Whether you prefer to use your phone, tablet or computer, we provide the tools to manage your finances when you want. We have many ways for you to bank with us.
With Hins Joint Finance Bank, you can bank anywhere, anytime. So whether you have a quick banking need in the middle of the night, or you just don’t have the time to stop by a branch, Hins Joint Finance Bank gives you another convenient option.
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We’ve grown. Technology has advanced. Banking looks a lot different. But one thing that hasn’t changed is the pride we have in our roots.
Who would want to have an account with a zero balance? Actually, it’s really clever. These accounts are designed to reduce the time and costs of banking. They also free up your cash for investments, while taking away the risk of overdrawing an account. Record keeping is simplified, with easy tracking of transfers and reconciliation by crosschecking account numbers on your statements. A Zero Balance Account (ZBA) is designed for businesses that maintain multiple accounts for separate divisions, functions or locations and would like to simplify their cash flow management. Here’s how it works: Your ZBA maintains a zero balance. At the end of each day, funds are transferred from your main account to your ZBA to cover any debits. If deposits have been made into your ZBA, they are transferred into your main account, consolidating your cash and providing a clear record of where the money came from.
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