Zero Balance Accounts

Keep your money where it works best.

How it works: You establish a master account to maintain your balance and link it to subsidiary accounts for payroll, petty cash, other payables or collections. As items are presented for payment or deposits are made, the funds are transferred using automated software. The system can be used to keep deposits going to only one account and to help with accounting when funds need to remain separate.

The lowdown:

• Eliminates the need to remember to manually transfer funds
• Keeps your money in the account where it can earn the most

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