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Sweep Services

Sweep Services

Vision Bank-Texas offers two Sweep Service products, Loan Sweep Accounts and Zero Balance Accounts. Each product helps to keep your money working for you at all times – even when you're off duty.

A Loan Sweep Account links your business checking account and Line of Credit to work to your benefit. This account structure advances to your checking account to pay incoming items, and transfers to your Line of Credit to pay down balances. The Loan Sweep Account is a push-pull system that ensures you minimize administrative and operating costs.


Loan Sweep Account Details
  • Keep your money working for you, automatically
  • Maintain target balances while eliminating manual internal transfers
  • Linked to any VBT business checking account:
  • Set predetermined account limits to remain in account and cover expenses
  • Excess funds automatically swept to a Line of Credit for pay down or to a centralized operating account
  • Automatic sweep transfers reduce administrative expenses
Zero Balance Account Details

Zero Balance Accounts (ZBAs) are designed for companies that uphold a main operational account and separate accounts for payroll, petty cash, wires, or other purposes. ZBAs concentrate all of your company's funds into one operating account, all other accounts remaining at a zero balance.

Each day, the total for all checks presented against each ZBA is offset by a debit to the centralized operating account. This account system allows companies to have increased investment opportunities and reduces administrative and operating expense.