two business people smiling while looking at a laptop computer

Zero & Target Balance Accounts (ZBA/TBA)

Citizens Independent Bank helps businesses keep cash exactly where it’s needed. Zero Balance Accounts (ZBA) and Target Balance Accounts (TBA) simplify daily cash management by automatically concentrating funds into a central account while still supporting daily activity across multiple operating or location-specific accounts.

Centralized Control With Simplified Account Management

 
ZBA/TBA structures automatically sweep funds between linked accounts at the end of each day. Whether your goal is to end the day at a $0 balance (ZBA) or maintain a specific target amount (TBA), the sweep moves money to or from your master account to keep each ZBA/TBA at its designated balance.
 
This automation eliminates manual transfers, supports cleaner reporting across divisions or store locations, and helps ensure cash is always positioned where it can be used most effectively. 

Benefits

  • Ideal for companies with multiple divisions, stores, or operating units.
  • Concentrates funds into one centralized account for improved visibility.
  • Automatically funds individual ZBA/TBA accounts only when checks or debits need to clear.
  • Option to maintain either a zero balance or a designated target balance.
  • Helps eliminate idle balances while maintaining required disbursement levels.
  • Reduces or eliminates the need for manual account transfers.
  • Supports stronger cash control and visibility.
  • Minimizes exposure to fraud by limiting accessible balances in individual accounts.
 



Man using laptop in coffee shop
Shield icon

Protect your business from evolving fraud threats.

Unlock the power of proactive protection with tools and resources designed to help safeguard accounts, prevent unauthorized transactions, and strengthen payment security.

Explore Other Cash Management Solutions
Laptop icon
Money icon
Shield icon
Briefcase icon



























Businesses with multiple departments, retail locations, or operating accounts often struggle with idle balances, unpredictable cash flow, and decentralized spending. ZBA/TBA structures help:
  • Centralize cash for better control - Funds automatically sweep into a primary account, giving your team a clearer, consolidated picture of available cash.
  • Reduce idle balances - Keeping operating accounts at zero—or at a defined target—prevents excess funds from sitting unused in multiple accounts.
  • Improve cash forecasting - Because activity settles back to one central location, cash flow becomes easier to track, plan, and project.
  • Strengthen fraud prevention - Limiting funds held in individual operating accounts reduces exposure if a checkbook, deposit slip, or account number is compromised. Fraud attempts impact only the controlled subaccount—not your primary cash position.
  • Support accounting and audit clarity - Departments or locations can maintain separate accounts for tracking purposes, while all cash ultimately consolidates automatically.









We provide business banking, personal banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.