How A Zero Balance Account (ZBA) Works

A ZBA is a checking account designed to maintain a zero balance even as checks and electronic payments get cleared against it. Funds are only transferred into the ZBA to cover checks and cleared electronic payments. As long as your Analyzed Business Checking Account has enough funds, you won't have ZBA overdrafts. You can link more than one ZBA to your Analyzed Business Checking Account. Popular uses include payroll, benefits, petty cash, lockbox collections, and multiple store locations.