What is a primary benefit of using a zero balance account?

The choice highlighting the benefit of using a zero balance account correctly focuses on the ability to hold multiple subaccounts while concentrating funds in a single main account. Zero balance accounts are designed to maintain a balance of zero, meaning that any funds deposited into these accounts are automatically transferred to a primary operating account at the end of each day. This setup allows businesses to efficiently manage funds, as they can maintain multiple subaccounts for specific purposes (such as payroll, expenses, etc.) while keeping overall liquidity centralized in one main operating account.

This aggregation helps streamline cash management, reduces idle balances across multiple accounts, and enhances visibility and control over the cash position of the business. By concentrating funds, businesses can optimize their cash flow and potentially reduce costs associated with maintaining several accounts. The other choices, while related to different features of banking accounts, do not effectively capture this primary functionality and advantage of zero balance accounts.