Manage separate bank accounts for each of your company's locations or for various accounting purposes. Zero Balance Accounts (ZBA's) allow independent operating accounts to be funded from – or concentrated to – a single account. Create efficiency by eliminating repetitive and costly funds transfers. ZBA’s allow you to have improved control over cash flow, disbursements, and collections. Prevent fraud by issuing your payables out of your centralized operations account and fund your sub accounts as needed.