Maintain liquidity | HSBC Business Direct

 
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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.

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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
  • Fund your U.S. accounts and move excess balances on a daily basis to a master account
  • Achieve better control over your cash position and ensure balances are optimized with more accurate funds forecasting
  • Use your funds efficiently to maximize returns, eliminating idle account balances
  • Reduce risk of overdraft

Interested in an HSBC Business Direct checking account?

How to apply
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1 Customer service hours of operation are 6:00AM ET to 12:00AM ET.

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.

HSBC Business Direct is a trademark of HSBC Bank plc used under license by HSBC Bank USA, N.A.

Learn more about Business Direct today

How to apply

Business accounts

Business account tools

Have a question?

Call our dedicated Business Customer Service Center at
877.472.2249

We're here from 6:00AM to 12:00AM ET

TTY/TTD: 800.898.5999
Mon - Fri (6am to 10:30pm ET)
Sat & Sun (7am to 10:30pm ET)