Liquidity Management

Zero Balance Accounts (ZBA)

Get more control over your accounts.

Designed for companies that have fluctuating account balances, ZBA accounts automatically transfer funds between accounts based on your preset balance and timing preferences. Maintain subsidiary accounts such as a payroll account at a zero balance while concentrating your funds in a central cash account for disbursements or investments.

Line of Credit Sweep

Pay down loans and reduce monthly interest.

Use excess funds to automatically pay down loan balances and reduce monthly interest. We will automatically transfer funds from your line of credit back to your account if your account balance falls below your preset target level.

Certificate of Deposit Account Registry (CDAR)

Insure your CD investments.

A term certificate offered through the Promontory Interfinancial Network of FDIC-insured banks, enabling member banks to place your funds under additional FDIC coverage. Your deposits will be placed with one or more banks up to the maximum FDIC limit to ensure you have full coverage. CDARs are placed once per week and can be invested for terms of four weeks, 13 weeks, 26 weeks, 52 weeks, two years, three years, or five years.

 

Insured Cash Sweep (ICS)

Work with one institution. Get coverage from many.

A sweep program that gives you the peace of mind that comes with access to multimillion-dollar FDIC coverage for the funds held in ICS. When we place your deposit through the ICS service of the Promontory Interfinancial Network, that deposit is divided into amounts below the standard FDIC insurance maximum and is placed in accounts at multiple banks. As a result, you can access coverage from many institutions while working directly with just one. Two sweep options are available, demand deposit accounts or money market deposit accounts.

 

Business Credit Cards

Your business deserves a better credit card.

Payables

Improve your cash flow.

Receivables