Can the ZBA Document be signed electronically?

Yes. Electronic signatures are generally enforceable under the ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided the parties demonstrate intent, consent, attribution, and retention capabilities.

Does the bank ever require original signatures?

Some banks require original or notarized signatures for account authorizations or corporate resolutions; confirm the bank’s policy before relying solely on electronic copies.

Is notarization commonly required?

Notarization is sometimes requested for corporate resolutions or signature cards; this varies by bank and jurisdiction, so verify with the bank relationship manager.

What if an authorized signer leaves the company?

Update the document promptly, obtain replacement signer approvals, and resubmit to the bank to avoid unauthorized sweeps or processing delays.

Which signNow plan supports bulk or high-volume signing?

Business Premium and Enterprise tiers include bulk send and advanced workflow features; Site License offers usage-based pricing for high-volume signature invites.

How do I revoke or cancel a ZBA authorization?

Follow termination steps in the document, notify the bank in writing, obtain bank confirmation of cancellation, and retain proof of the bank’s acknowledgment.

Business ZBA Document

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Business ZBA Document

This Business ZBA Document (the "Agreement") is entered into between the parties identified below as of the Effective Date set forth in the Term and Termination section. The parties intend by this Agreement to set forth the terms under which business services described herein will be provided and compensated.

Parties

Party A Name: Party A Entity Type:

Individual Corporation LLC Other

Party A Address: Party A Contact Email / Phone: Party B Name: Party B Entity Type:

Individual Corporation LLC Other

Party B Address: Party B Contact Email / Phone:

WHEREAS

WHEREAS, Party A is engaged in lawful business activities and seeks professional services and/or deliverables described in this Agreement; and

WHEREAS, Party B represents that it has the experience, personnel, and capability to provide the services described below in a commercially reasonable manner; and

WHEREAS, the parties desire to set forth the terms, payment schedule, confidentiality obligations, and other provisions governing their relationship and the services to be provided under this Agreement.

Scope of Work

Party B shall perform the services and deliver the work product described below. All services will be performed in a professional manner consistent with industry standards and applicable laws.

Describe Services, Deliverables, Milestones and Acceptance Criteria:

Payment Terms

In consideration for the services rendered by Party B, Party A shall pay fees in accordance with the following terms. Party B shall submit invoices in accordance with the schedule below and Party A shall remit payment within the agreed payment period.

Total Fee (USD): Payment Schedule / Milestones: Invoices Due (days after invoice): Late Fee / Interest:

All payments shall be made in United States Dollars unless otherwise agreed in writing. Party A may withhold payment for nonconforming work until such nonconformance is remedied. Party B shall bear responsibility for taxes imposed on fees received under this Agreement, except for taxes based on Party A's net income.

Term and Termination

This Agreement shall commence on the Effective Date and shall continue until the End Date specified below, unless earlier terminated in accordance with this section.

Effective Date:

End Date:

Termination Notice Period (days):

Either party may terminate this Agreement for material breach by the other party if the breaching party fails to cure the breach within the notice period specified above. Termination for convenience by either party shall require the giving of the notice period and payment for services performed and reimbursable expenses incurred through the effective date of termination.

Confidentiality

Each party (the "Receiving Party") shall hold in confidence and not disclose to any third party any nonpublic, confidential, or proprietary information received from the other party (the "Disclosing Party") in connection with this Agreement. Confidential information does not include information that: (a) is or becomes generally known to the public through no wrongful act of the Receiving Party; (b) was rightfully known to the Receiving Party prior to receipt from the Disclosing Party; (c) is independently developed by the Receiving Party without use of the Disclosing Party's confidential information; or (d) is required to be disclosed by law, provided the Receiving Party gives prompt written notice to the Disclosing Party and cooperates in any efforts to limit such disclosure.

Confidentiality Duration (years):

Indemnification and Limitation of Liability

Each party shall indemnify, defend and hold harmless the other party from and against losses, damages, liabilities, and expenses arising from third-party claims to the extent caused by the indemnifying party's gross negligence or willful misconduct. Except for liability arising from a party's indemnification obligations, neither party shall be liable for consequential, incidental, special, or punitive damages. The parties' aggregate liability for claims arising under this Agreement shall not exceed the total fees paid by Party A to Party B under this Agreement during the six (6) months preceding the claim.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the jurisdiction specified below without regard to its conflicts of law principles.

Governing State / Jurisdiction:

Entire Agreement

This Agreement, including all exhibits and attachments hereto, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals, representations, and understandings, whether written or oral. Any amendment or modification of this Agreement must be in writing and signed by authorized representatives of both parties.

Miscellaneous

Neither party may assign its rights or delegate its obligations under this Agreement without the prior written consent of the other party, except that either party may assign to an affiliate or in connection with a merger or sale of substantially all assets. Headings used in this Agreement are for convenience only and shall not affect interpretation.

Additional Provisions / Notes:

Party A Printed Name:

By:

Date:

Party B Printed Name:

By:

Date:

What the Business ZBA Document Is and when it’s used

A Business ZBA Document (Zero Balance Account authorization) is a bank agreement and internal authorization that directs automatic sweeps between a master account and one or more zero-balance subsidiary accounts. It defines sweep rules, limits, signatory authority, file formats for ACH/ADIs, and reconciliation procedures. Companies use it to centralize cash, reduce idle balances, automate payroll or disbursement funding, and document banking and treasury controls between the business and its financial institution.

Why a clear Business ZBA Document matters for treasury controls

A concise, accurate ZBA Document reduces operational errors, prevents unauthorized transfers, and clarifies bank obligations and corporate signatory limits. It also supports auditability and compliance with banking and tax recordkeeping requirements.

Who typically prepares and approves a Business ZBA Document

The document is most often prepared by finance or treasury and routed for legal and bank acceptance before execution.

Final execution typically requires corporate signatories and any bank-required supporting documents such as a corporate resolution, taxpayer identification, or account signature card.

Core sections to include in a professional Business ZBA Document

A complete ZBA Document combines legal authority, precise bank instructions, operational details, monitoring provisions, and dispute processes to ensure predictable funding behavior and clear audit trails.

Account Owner

Identify the legal business name, DBA if applicable, EIN, and registered address; include the exact account title the bank uses to avoid mismatched records.

Bank Details

List bank name, branch, routing number, master account number, subsidiary account numbers, and any bank reference codes used for sweeps or ACH origination.

Sweep Rules

Define trigger conditions, target zero balance level, buffer thresholds, maximum transfer amounts, timing (e.g., EOD sweeps), and exception handling for insufficient funds.

Authorization & Signatures

Name authorized signers, provide title and specimen signatures, specify whether signatures require notarization, and reference any corporate resolution or board approval.

Reporting & Reconciliation

State frequency and format of bank reports, timing for reconciliation, exception reporting, and responsibility for resolving discrepancies.

Liability & Dispute Terms

Clarify bank liability limits, indemnities, notice procedures for contested transfers, and the governing law for the agreement.

Step-by-step: completing the Business ZBA Document

Follow these sequential steps to prepare, approve, and submit the ZBA authorization so the bank can implement sweeps without interruptions.

01

Draft terms: Define accounts, sweep triggers, and limits in writing.
02

Internal approvals: Obtain controller/CFO and legal sign-off and any required board resolution.
03

Bank review: Send the document to your bank relationship manager for technical acceptance.
04

Execution: All authorized signers execute and return the signed form to the bank.

How to configure the ZBA workflow for online completion

Map each workflow field to the online form and specify authentication, conditional fields, and delivery for signers and the bank.

Field	Configuration
Authorized Signer	Require name, title, and signature; optional signer authentication
Effective Date	MM/DD/YYYY field with calendar picker
Sweep Amount/Threshold	Numeric field with validation and currency symbol
Bank Attachment	Allow PDF upload for bank account verification or specimen

Where to submit the completed Business ZBA Document

Deliver the signed document to the bank and retain copies for internal control and audit; confirm bank-specific submission preferences.

Bank Relationship Manager: Primary recipient for acceptance and technical setup.
Treasury Operations: Internal copy for reconciliation and controls.
Bank Portal Upload: Some banks require upload through their treasury portal.
Email or Physical Mail: Follow bank instruction—some banks insist on original signatures.

Digital signing and eSubmission considerations

Determine the bank’s acceptance of electronic signatures, required authentication, and whether originals are needed before eSubmission.

Authentication: Use email, SMS, or stronger KBA per bank policy
File formats: PDF and DOCX typically accepted for uploads
Integrations: Connect to systems like NetSuite or Google Workspace where supported

If the bank requires originals or notarization, complete those steps before relying on a signed electronic copy for funding or treasury control.

Comparing eSignature providers for filling and signing a Business ZBA Document

Summary feature and price comparison for common eSignature vendors. signNow is listed first per platform comparison conventions.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial	Varies by vendor	Varies by vendor	Varies by vendor	Varies by vendor
Bulk Send	Yes	Varies	Varies	Varies	Varies
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Varies by vendor	Varies by vendor	Varies by vendor	Varies by vendor

Security and compliance details relevant to ZBA eSignatures

Encryption: TLS 1.2/1.3 in transit

Data at rest: AES-256 encryption

Regulatory certifications: SOC 2 Type II available

Health data: HIPAA-compliant with BAA

Signature law: ESIGN and UETA compliant

Accessibility: WCAG 2.0 Level AA

Key risks and consequences of incorrect ZBA documentation

Bank refusal: Bank may decline setup

NSF & fees: Overdraft and returned-item fees

Operational gap: Missed payroll or vendor payments

Audit findings: Control exceptions during reviews

Legal dispute: Contract interpretation risk

Tax exposure: Incorrect reporting or withholding

Common preparation mistakes to avoid

Using informal or inconsistent account titles that do not match the bank’s records, causing delays or rejected setup requests.
Failing to list or verify authorized signers and specimen signatures, which can block execution or require re-submission.
Leaving sweep rules vague (for example, 'sweep to cover payroll') rather than stating explicit thresholds, timing, and exceptions.
Not confirming the bank’s required submission method (originals, notarized copies, or electronic upload), resulting in extra processing time.

Typical timelines and processing expectations for ZBA setup

Timing varies by bank and complexity; confirm processing windows and cutoff times with your bank relationship manager.

Preparation lead time:

2–10 business days to draft and obtain internal approvals

Bank review window:

3–15 business days for bank acceptance and technical setup

ACH origination cutoffs:

Dependent on bank ACH rules; confirm daily cutoff times

First sweep execution:

May occur on the next business day after activation

Reconciliation period:

Monthly reconciliation recommended to detect exceptions

Frequently asked questions about the Business ZBA Document

Answers address common execution, submission, and compliance questions encountered when preparing ZBA Documents.

Need help? Contact support

Can the ZBA Document be signed electronically?
Yes. Electronic signatures are generally enforceable under the ESIGN Act (15 U.S.C. ch. 96) and UETA in most states, provided the parties demonstrate intent, consent, attribution, and retention capabilities.
Does the bank ever require original signatures?
Some banks require original or notarized signatures for account authorizations or corporate resolutions; confirm the bank’s policy before relying solely on electronic copies.
Is notarization commonly required?
Notarization is sometimes requested for corporate resolutions or signature cards; this varies by bank and jurisdiction, so verify with the bank relationship manager.
What if an authorized signer leaves the company?
Update the document promptly, obtain replacement signer approvals, and resubmit to the bank to avoid unauthorized sweeps or processing delays.
Which signNow plan supports bulk or high-volume signing?
Business Premium and Enterprise tiers include bulk send and advanced workflow features; Site License offers usage-based pricing for high-volume signature invites.
How do I revoke or cancel a ZBA authorization?
Follow termination steps in the document, notify the bank in writing, obtain bank confirmation of cancellation, and retain proof of the bank’s acknowledgment.

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