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Zero Balance Account

A single cash management account that lets you consolidate funds from other business accounts to make your cash management efforts more efficient. It's not too good to be true. It's the Zero Balance Account (ZBA) from Ameris Bank.

  • Consolidate cash from assorted deposit accounts 

  • Make accounting easier and clearer 

  • Automate funds transfers 



The Zero Balance Account (ZBA) from Ameris Bank is designed to add simplicity to your complex business life. It functions as a master cash management account, the hub for all your business banking activity.  

Our ZBA is exactly what it sounds like. It’s a business checking account with a $0 balance. When you need funds, we automatically transfer the exact amount of money required from a central or master account. We also sweep deposits into that master account daily.  

You can use your ZBA to ensure funds are readily available for different departments.  Or to eliminate excess balances from separate business accounts and maintain greater control over the disbursement of funds. You can also use this account to handle your payroll, petty cash, and other business needs.  

You’ll gain greater risk mitigation and control over cash balances and unauthorized spending.  

With an automated ZBA, you can limit clerical errors and increase operational efficiency as you monitor and reconcile bank statements. In addition, you can limit your account’s activity to the processing of payments without maintaining a running balance. 

  • Make accounting more accurate and efficient with a monthly statement detailing all transfers 

  • Avoid overdrafts with a reliable account structure  

  • Move funds nightly to cover all disbursements  



We're here to help every step of the way.


We're here to help every step of the way.

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Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Customers can benefit from Ameris Bank products and services through online account opening. Ameris Bank has full-service locations in Alabama, Florida, Georgia, North Carolina, and South Carolina and mortgage-only locations in Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland, and Tennessee.