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 more, 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.

​M&T Bank’s Zero Balance Account service is provided subject to M&T Bank’s standard Master Treasury Management Services Agreement and Treasury Management Services Product Terms and Conditions for that service.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.