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Businesswoman smiling with male coworker sitting at table in background.

Zero Balance Account (ZBA)

​Streamline your workload and increase productivity by automatically funding multiple disbursement accounts (child accounts) with a single concentration or master account (parent account). ​​

_

 

 

​​​How It Works

Each business day, M&T will ​post all deposits, checks and other debits and credits to the ZBA parent and child account(s). After the ending balances are calculated, any available child account funds that exist in excess of a predetermined amount (target balance) will be automatically transferred to the related parent account. Conversely, when funds are needed to meet daily child account requirements, the necessary funds will be automatically transferred from the related parent account to the child account.

​ZBA service can be used in conjunction with M&T's Automated Investment Sweep​​ and/or Automated Loan Sweep​ services.

​How to Enroll

To find out m​​ore, or to set up the Zero Balance Account service, please contact your dedicated M&T Relationship Manager or the Commercial Service Team at 1-800-724-2240, Monday–​Friday 8am–6pm ET.​

 

​DIS-222*-DIS

 

 

 

 

 

 

 

 

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