Zero Balance and Cash Concentration Accounts

Zero Balance Account (ZBA)

With a First County Bank ZBA, you can customize the structure to match the specific needs of your business. Once you establish a master operating account, you can set up as many subsidiary ZBAs as needed. Checks can be written just as you would with any other business account. The total of all checks presented against the ZBA is offset from the linked operating account, bringing the ZBA balance back to zero.

Cash Concentration Account (CCA)

A First County Bank CCA allows you to customize the structure of your accounts to match the specific needs of your business. Deposits are automatically centralized in one account for better cash management. This way, you can have separate accounts for daily business activities but pool the funds in one master account.

You may be ready for a First County Bank ZBA and/or CCA if:

• Your business has multiple accounts, for different locations or functions
• You're transferring funds to cover incoming checks in multiple accounts
• Your find timely transfer are crucial to covering checks
• You're spending significant time mianually monitoring balances

For additional information, please contact Mark D. Rosenbloom, Assistant Vice President, Business Development Officer, Cash Management Services at (203) 462-4356 or mrosenbloom@firstcountybank.com.

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