Zero Balance Account Structure

With the Zero Balance Account Structure, you can reduce your borrowing costs by automatically using balances from surplus accounts to fund accounts with deficits. Your credit balances and overdraft positions in participating accounts can be automatically swept, or transferred, to or from a header account at the end of the business day.

Zero Balancing involves actual movement of funds. Interest is automatically posted to the header account on a monthly basis.

Zero Balancing is commonly used to reduce overdraft costs. It increases the efficiency of your intra-company funding and concentrates liquidity to facilitate investment management, thereby increasing your yields.