Automated Balance Sweeps

Put your idle cash to work automatically

Move money between your business accounts on autopilot¹ — no manual transfers required.

Two ways to automate your transfers. Which solution is right for your business?

Both sweeps move money between a primary account and a linked one, automatically, every day. The difference is what balance they leave behind. Use the guide below to determine which approach best matches your treasury needs.

How businesses use balance sweeps

Balance sweep solutions help organizations centralize liquidity, reduce manual cash management, and maintain better visibility into operating funds across accounts.

Multi-Location Businesses

Consolidate balances across branches, departments, or operating units while maintaining separate transaction activity.

Payroll & Accounts Payable

Fund payroll and disbursement accounts automatically without maintaining excess balances.

Property Management Firms

Monitor activity by property or entity while centralizing cash management.

Seasonal Businesses

Keep target operating balances while automatically moving surplus cash to interest-bearing accounts during peak periods.

Franchise Operations

Maintain separate operating accounts while achieving centralized treasury oversight.

Healthcare & Professional Services

Manage multiple business functions and balance requirements from a centralized treasury structure.

Zero Balance Accounts

Want to manage multiple business accounts without managing multiple balances? Zero Balance Accounts (ZBAs) can automatically pull funds from — or deposit funds into — your main business account.

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Automated transfers

Eliminate manual transfers by auto-sweeping funds between accounts to cover payments.

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Centralized control

Manage disbursements and collections from one place with greater visibility.

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Reconcile & report

Keep activity organized by account while maintaining a consolidated balance.

Target Balance Sweeps

Set an ideal balance for an account. Funds move in automatically to maintain it, and anything above it sweeps into a higher-interest account.

Hit your target

Set a desired balance for your account, and funds automatically move to keep it there.

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Allocate idle cash

Funds above your set balance sweep into an interest-bearing account automatically.

Cover the dips

If your balance falls below the target, funds are automatically transferred back.

A Zero Balance Account is a business account that uses automated transfers to or from a primary account, so the ZBA’s balance returns to zero at the end of each day. This lets you centralize cash and oversight where it’s most valuable, while still using separate accounts for different business functions.

A Target Balance Sweep automatically maintains a set balance in your business checking account by moving funds to or from a linked account.

That balance can be whatever you need it to be — enough to cover expected payments, or tuned to optimize interest earned. Excess funds transfer out to earn more in a higher-interest account, and additional funds are pulled back in if your balance falls below the target.

Payments to and from the account process normally throughout the day.

At the end of the business day, the sweep runs: funds paid out are covered from your main account, and funds paid in are moved over to it. A ZBA lands at zero; a Target Balance Sweep lands on your target. Either way, the manual transfers disappear.

Yes. Because funds are automatically transferred to cover transactions, sweeps help ensure the exact amount needed is available when payments process, which reduces the risk of overdrafts and the fees that come with them.

Sweeps are commonly used for specific functions like payroll, accounts payable, or individual locations and departments. That lets you track activity separately while keeping funds consolidated in one place.

A ZBA fits if you manage multiple accounts, locations, or payment types and want cash concentration with clean separation of activity. A Target Balance Sweep fits if you want to hold consistent operating balances while earning on the surplus — a good match for predictable cash flow, recurring payments, or seasonal swings.

Once either is set up, transfers happen automatically in the background. If you’re still unsure, our Treasury Management team would be happy to review your accounts and recommend a structure.

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