BUSINESS CHECKING
Zero Balance Checking (ZBA)
Centralize your cash management with a master account and unlimited sub-accounts that automatically sweep to zero — improving control, reducing fees, and simplifying reconciliation.
Decision Basics
Minimum to Open
$100
Monthly Fee (Master)
$30
Transactions
Unlimited*
Sweep Feature
Automatic
Ideal For
Multiple Deposit Accounts? Simplify with ZBA.
Perfect for businesses that need to manage payroll, payables, or departmental spending separately.
Payroll Account
Keep payroll funds separate. Automatically sweep to cover checks on payday, zero the rest of the month.
Accounts Payable
Centralize vendor payments. Fund the ZBA only when invoices are due, reducing idle balances.
Departmental Spending
Open sub-accounts by location or department. Control budgets and track spending by function.
*Transactional items defined as checks, credits, debits, and deposited items.
How It Works
How Zero Balance Checking Works
Open a Master Account
Your master account holds all operating funds. It's the central hub for your business cash management.
Create Sub-Accounts as Needed
Open ZBA sub-accounts for payroll, payables, or departments. Each requires a $100 opening deposit.
Automatic Daily Sweeps
At day's end, funds automatically transfer from master to sub-accounts to cover debits, returning each sub-account to zero.
Why ZBA with BRB?
Control, Efficiency, Local Support
Unlimited Transactional Items
Process unlimited transactional items* — checks, credits, debits, and deposited items — every month.
Improves Cash Flow
Keep your operating account balance at zero while funds automatically sweep from your master account to cover checks as they clear.
Account Masking
Protect your main operating account by masking its number on checks and transactions — only the sub-account number is exposed.
Free Digital Banking
Manage all accounts online or via mobile app. Includes eStatements, mobile deposit, and real-time alerts.
Treasury Management Support
Every ZBA account is managed by a dedicated Treasury Management Officer who understands your business.
Enhanced Security
Reduce fraud risk by limiting access to your primary operating account. Sub-accounts can be restricted by function or department.
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
Ready When You Are
Simplify Your Business Cash Management
Open a Zero Balance Checking account and gain centralized control over your business finances — with unlimited transactions and dedicated treasury support.