Maintain Liquidity | Cash Management | HSBC Business Banking

Maintain liquidity

Zero Balance Accounts

Zero Balance Accounts (ZBA) enable you to put your money to work, freeing up capital to maximize your cash positions.

Engineer inspecting machinery | HSBC Zero Balance Accounts

Reduce idle balances and maintain greater control

Improve operating efficiency

Help maximize your investment potential and/or minimize borrowing costs by funding your account at the end of the day. ZBAs are completely automated, resulting in reduced administrative costs and significantly simplifying the transfer of funds between accounts. Movement of your cash occurs as the last transaction of the banking day.

A simple solution
  • Enhance your ability to manage liquidity centrally while improving control over your US dollar balances
  • Fund your U.S. accounts and move excess balances daily to a master account
  • Achieve better control over your cash position with more accurate funds forecasting
  • Optimize your funds to maximize returns, eliminating idle account balances
  • Reduce risk of overdraft

Interested in an HSBC Business account?

How to apply

United States persons (including entities) may be subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons and entities should consult a tax advisor for more information.

1 Customer service hours of operation are Mon-Fri 8:00AM to 9:00PM ET and Sat 8:00AM to 4:30PM ET.

Talk to us

Call our dedicated Business Banking Customer Service1 at



The HSBC advantage

With more than 140 years in business, HSBC provides a powerful mix of global reach and local knowledge. We bring together the expertise, security and fiscal strength of one of the world's leading financial institutions with the personalized service of your local bank.

Business banking advice

Have a question?

Call our dedicated Business Customer Service Center at

We're here Mon-Fri 8:00AM to 9:00PM ET and Sat 8:00AM to 4:30PM ET

TTY/TTD: 800.898.5999


Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.


我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。


我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We are here to help. For service in all other languages, call us today toll free at 800.975.4722. For collect calls outside the U.S., contact us at 716.841.7212.

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