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Deposit Express

 Zero Balance Accounts 

With a Zero Balance Account (ZBA) from IBC Bank, your company can link one or more subsidiary accounts to a master funding account, allowing you to gain greater control over the use of your funds.


  • Multiple zero balance accounts can be tied to a single master funding account
  • The ZBA relationship can be simple or complex – requiring only two accounts – a master funding/operating account and a zero balance account – or as many subsidiary accounts needed by your business operation
  • The master account automatically transfers funds to the subsidiary accounts whenever needed to make a payment, and pulls the funds back when there are excess funds in the subsidiary accounts


  • Provides the ability to aggregate funds from several accounts to facilitate other business needs, such as investments and debt management
  • Provides greater control and may enhance account reconciliation

For more information, please contact an IBC representative or visit your nearest IBC branch.