Zero balance accounts can be used for a single, stand alone account or as a master account with multiple zero balance accounts attached. The master account can also be linked to a VNB Sweep account for investment purposes or to the Credit Line Sweep to reduce short term borrowings. All daily transfers to and from zero balance accounts are handled through the Bank's automated systems, with no steps by the customer necessary. Based on customer preference, zero balance accounts can offer the same features but be set to maintain a target balance at any level above zero.