Streamline account balances. Put idle funds to work. Access extra capital. How can we improve your day-to-day?
Zero Balance Account
- Perfect for companies with multiple divisions, stores, or operating units
- More than one ZBA can be linked to the primary account
- Multiple account balances are concentrated into one, centralized account
- Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
- Concentrate funds, eliminating idle balances and simplifying account management
- Maintain required balances for disbursements while maximizing excess balances
- Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
- Eliminate the need for manual transfers between bank accounts
- Separate statements for each account
Sweep Account
- Linked to your CSB checking account(s)
- Predetermined amount remains in account to cover expenses
- Excess funds swept to a money market account, where they earn interest
- Funds are swept back into checking at any time to cover additional account activity
- Keep idle funds working for you, automatically
- Maintain target balances while maximizing interest earnings
Operating Lines of Credit
- Competitive rates for a wide range of ongoing business expenses:
- Seasonal fluctuations
- Capitalize on trade discounts
- Finance accounts receivable
- And more
- Funds available at any time without applying for a separate installation
- Transfer funds online or over the phone
- Revolving credit – as principal is repaid, more becomes available for use
- Only pay interest on the part that's used
- Convenient terms that work with your budget
- Quick, local decision-making and processing
- Dedicated, friendly service from start to finish