Zero Balance Account

We understand you have unique needs based on your company’s business plan and goals. Our Business Checking Account solutions provide flexibility in functionality, while cultivating the growth of your operation.

ZBA Advantages

  • No longer have to manually make transfers to fund accounts
  • It will automatically concentrate all funds in the accounts at the end of the business day
  • Gathers funds from multiple locations or branches and concentrates them all in one
  • Avoid idle fund balances
  • View corporate liquidity from one account
  • Establish a secondary account for your company’s plants, stores, and offices that need the flexibility to make deposits and write checks
  • Assign each secondary account a target balance
  • Establish a primary concentration account to pool funds
  • At the end of each day, funds are swept into or out of the primary account based on each secondary account’s target level

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and Saturday 10AM - 2PM CT

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ZBA Features

Detailed Records

Check and deposit records are still available for each account

Control Over Balances

Target balances can be set at any amount, usually zero

Account Flexibility

Multiple secondary accounts can be tied to the primary funding account

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Schedule an appointment with a business services expert, or apply online. We'll make sure you understand what a business checking account is, assist you in signing up, and make sure you are familiar with the tools CUTX can bring to your fingertips.


Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.
I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.

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