Zero Balance Accounts - Cogent Bank

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Routing Number

Our Bank Routing and Transit Number is: 063114661

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Zero Balance Accounts

Fund your payroll, accounts payable, and other disbursement from your main operating account.  Or you can deposit funds to one or more subsidiary accounts and consolidate funds in your master account.  ZBAs give you the option to segregate your transactions, while eliminating the need to manually transfer funds back and forth.

  • At the end of each business day, excess deposits are automatically moved from the master account to fund the account(s) or from the accounts with the Zero Balance service to the master account, eliminating the need for internal account transfers
  • Multiple accounts with the Zero Balance service can be associated with each master account, which enables centralized control and monitoring

Multi-tiered relationships, where an account is both a master and an account with the zero balance feature, allows for a flow of funds throughout your account structure.