Optimize your business’s cash flow and improve productivity

At Union Bay Bank, we value the relationships we have built with local New York businesses. That’s why we are proud to offer a variety of cash management services that make it easier for you to manage your business.

Our cash management solutions help you accelerate collections, manage payments and transactions, and maintain control over your funds. Best of all, everything can be customized to meet your specific needs.

Payables Services

Take command of your cash flow and payments with our payables services. Our comprehensive services are designed to improve everything from efficiency to investment income.

Liquidity Services

Union Bay Bank’s Zero Balance Account (ZBA) service provides you with a means of automatically combining funds for disbursement or deposit to maximize the use of cash in your account. With the Flushing Bank ZBA service, you will gain control of your business finances using two types of accounts, master account and subaccount.At the end of the business day, funds are automatically transferred to or from the master account so the subaccount maintains a zero balance. As an option, you may elect to have a predetermined balance maintained instead of a zero balance.

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