Segregate the collection and disbursement of cash, eliminate the need for internal bank account transfers, and maximize funds available for investment or overdraft protection.

A Zero Balance Account consolidates balances from multiple collection and disbursement accounts (sub accounts) into a single master account.  During the nightly posting of transactions, excess funds are either swept from the sub accounts to the master account, or from the master account to the sub accounts to restore sub accounts to a zero balance.