Zero-Balance Accounts

Streamline Your Cash Flow, Boost Your Bottom Line¶

A Zero-Balance Account (ZBA), also known as a Sweep Account, is a specialized business checking account designed to optimize your cash management. It's linked to your main operating account and automatically maintains a balance of zero at the end of each business day.

How it works¶

Set up a ZBA for specific expenses (e.g., payroll or travel)

When transactions occur, funds are automatically transferred from your operating account

At day's end, leftover funds sweep back, leaving a zero balance

It's that simple!

Unlock the Power of Zero-Balance Accounts¶

Maximize Earnings—Keep your cash working harder for you! Instead of funds sitting idle in multiple accounts, concentrate your money in one place to boost potential interest earnings.

Reduce Overhead—Say farewell to overdraft worries. With automatic transfers covering exact transaction amounts, you'll minimize or eliminate overdraft fees.

Gain Valuable Insights—Access detailed transaction reports through Commercial Online Banking.

Save Precious Time—No more manual fund transfers! Let automation handle the heavy lifting, freeing up your staff to focus on growing your business.

Ask an Expert¶

Bobby Boyes¶

First Vice President, Banking Relationship Manager

Send E-mail
805 730 7864
NMLSR: #1484454
Location: Santa Barbara

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Heidi Cummings¶

First Vice President, Regional Branch Manager

Send E-mail
805 296 1771
NMLSR: #1038237
Location: Paso Robles

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Dustin Reese¶

Vice President, Branch Manager

Send E-mail
805 540 6243
NMLSR: #1097395
Location: San Luis Obispo

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Sweep Accounts¶

No more manual transfers or constant account monitoring. Let automation do the heavy lifting while you focus on growing your business.

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Treasury Information Reporting¶

A crystal-clear view of your company's financial landscape at your fingertips. Our state-of-the-art reporting tools offer a treasure trove of features to help you manage your daily financial ope…

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Zero-Balance Accounts

Streamline Your Cash Flow, Boost Your Bottom Line¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

How it works¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Unlock the Power of Zero-Balance Accounts¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Ask an Expert¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Bobby Boyes¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Heidi Cummings¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Dustin Reese¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Related products¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Sweep Accounts¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Treasury Information Reporting¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Customer Testimonial¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Streamline Your Cash Flow, Boost Your Bottom Line¶

How it works¶

Unlock the Power of Zero-Balance Accounts¶

Ask an Expert¶

Bobby Boyes¶

Heidi Cummings¶

Dustin Reese¶

Related products¶

Sweep Accounts¶

Treasury Information Reporting¶

Customer Testimonial¶