Zero Balance


Easily manage separate business accounts

Manage separate bank accounts for each of your company's locations or for various accounting purposes. BBVA’s Zero Balance Account (ZBA) allows independent operating accounts to be funded from – or concentrated to – a single account. With our ZBA structure, you will have improved control over disbursements, collections, and cash flow.



When you establish your Zero Balance Account, you establish an automated disbursement or cash concentration system while maintaining separate disbursement and depository functions on each sub-account.

Cost Effective

A ZBA can reduce bank fees by eliminating repetitive and costly funds transfers. This structure also minimizes idle cash in multiple checking accounts and concentrates cash for improved funds usage.


You can eliminate the manual tasks of monitoring and transferring account balances.

Details you need to make a smart decision

All accounts and credit are subject to approval including credit approval.