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Sweeps

Daily transfers between certain accounts can help businesses make maximum use of their funds. However, managing this continuous activity manually takes significant time and focus. So, why not let AbbyBank handle it for you?

These everyday moves can add up over the long run

Successful businesses turn idle hours into productive time. Doing something similar with your finances can yield substantial benefits. By setting up automatic Sweeps1 - or transfers - between your main operating account and other accounts, you position your funds to generate added interest income, pay down debt and improve overall cash flow.


Commercial Line of Credit Sweep

  • Your business determines a target balance for your checking account.
  • Excess funds are automatically swept each day from your main checking account to your line of credit.2
  • The extra payments help reduce interest charges on your debt.
  • Money is automatically moved from the credit line back into the checking account when that balance level is reached.

Savings/Money Market Sweep

  • Your business determines a target balance for your checking account.
  • Excess funds are automatically swept each day from your main checking account to your Business Savings or Money Market account.
  • Those extra funds earn interest.
  • Money is automatically moved from the savings or money market account back into the checking account when that balance level is reached.3

Zero Balance Account (ZBA)

  • Set up subaccounts for a variety of needs - such as payroll, petty cash, tax payments or authorized disbursements.
  • Those accounts maintain a $0 balance until payments are scheduled to be made from them.
  • Funds automatically move into those accounts from your primary operating account to cover the scheduled payments and expenses.1
  • Excess funds are then swept back into the main operating account, facilitating overall cash flow and eliminating idle funds in secondary accounts.

Overdraft Protection

  • Your business chooses another account to link to your main checking account - such as a line of credit2, savings3, or another checking account.
  • If your checking account becomes overdrawn, funds are automatically swept from the linked account to your checking account.
  • Transfers in $100 increments (based on available limit).
  • This prevents overdrafts, bounced checks, and declined payments, keeping your business operations running smoothly.
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AbbyBank is a full-service financial institution with Wisconsin locations in Abbotsford, Appleton, Gresham, Medford, Shawano, Wausau, Weston and Withee.

1Fees may apply
2All loans are subject to credit approval
3Certain account types have transaction limitations; please speak to a Business Banker to determine whether transaction limitations apply.