Zero Balance Accounts

With our Zero Balance Account (ZBA) solution, a balance of zero is maintained by automatically transferring funds from your account in an amount only large enough to cover checks presented. This solution eliminates the need to manually transfer funds between United Bank & Trust accounts. At the end of your business day, final balances are calculated and all funds are electronically transferred to or from your master account.


  • Avoid overdrafts on your subsidiary accounts
  • For businesses with multiple accounts to monitor
  • Eliminate excess balances in separate accounts
  • Maintain greater control over disbursements

Contact Us