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Make your funds work harder for your business with a Zero Balance account from UTB. Our Zero Balance accounts ensure your expenses are covered while eliminating idle funds. They work by consolidating capital in a linked master account where your money earns higher interest by maintaining a higher minimum daily balance. And because the transfers are automatic, you can spend your time focusing on your business, not on where your money is.


  • Perfect for companies with multiple divisions, stores, or operating units
  • More than one ZBA can be linked to the primary account
  • Multiple account balances are concentrated into one, centralized account
    • Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
  • Concentrate funds, eliminating idle balances and simplifying account management
  • Maintain required balances for disbursements while maximizing excess balances
  • Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
  • Eliminate the need for manual transfers between bank accounts
  • Receive separate statements for each account

Maximize your money’s earning power with a UTB Zero Balance account. To learn more about our Zero Balance account, talk to an experienced cash management specialist today by calling 972-239-7000.

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Daily business activities are easy to handle with flexible checking accounts.