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Zero Balance Accounting is a basic cash management mechanism designed to be used as either a concentration or disbursement system. An Integra Bank Zero Balance Account operates like a normal checking account. All transactions (either debits or credits) post to the account each day. At the end of the processing day, a transfer is automatically generated to or from the concentration account to bring the account balance back to zero.

As a disbursement system, ZBAs allow your company to segregate the various disbursement functions, such as payroll, yet eliminate balances and the time consuming tracking and pre-funding of separate accounts. Each disbursement account generates a separate month-end banking statement for easy reconciliation. Daily reporting of Zero Balance Account transactions is reported at both the concentration account and subsidiary account level by way of BankNET or your monthly bank statement.

Benefits:

• Maximizes investment capabilities by making idle balances available for investment or debt reduction
• Eliminates the manual transferring of funds
• Eliminate over-funding and overdrafts
• Enables your company to have one centralized account with control over disbursements made by branch offices, operating divisions, or subdivisions. Individual locations maintain disbursing autonomy.