Page 24 - HPB.Commercial tabbed brochure

ZERO BALANCE ACCOUNTS The HPB Zero Balance Account product is designed for companies that maintain a general operating account and separate accounts for payroll, petty cash or other purposes. With Zero Balance Accounts in place, all of your funds are concentrated into one operating account. Disbursements are made from subsidiary accounts, which always maintain a zero balance. This account system allows the you increased in- vestment opportunities and reduces administrative expenses.