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Zero Balance Accounts (ZBA)

Some companies prefer to maintain multiple disbursement accounts. Cardinal's Zero Balance Account (ZBA) service simplifies this process while eliminating idle balances by providing an efficient, centralized use of available funds. Each day, funds are automatically transferred between subsidiary accounts and the master account, eliminating the need to monitor balances or manually initiate transfers.


  • Automatic Daily Funding
    All deposits made to the subsidiary accounts are automatically transferred to the master account at the end of the business day. Subsidiary accounts are forced to a zero balance unless a floor (minimum balance) has been established on the account.
  • Reporting
    Your monthly Cardinal Bank statement will clearly reflect all automatic transfers resulting from the Zero Balance Accounts.
  • Access
    Balances and account information available 24 hours a day with Business Online Banking and Telephone Banking. Or, for more complex online needs, consider Cardinal Cash Management Online


  • Improved use of cash
  • Enhanced control with individual statements

Get Started

  • A Cardinal Bank Cash Management representative will assist you in setting-up your ZBA accounts linking the disbursement accounts to your master funding/cash concentration account.
  • Call us at 703.584.3400 or 1.800.473.3247.
  • Minimum opening deposit $100.00