Banks and credit unions partner with ZSuite to attract commercial clients in high-value verticals, generate low-cost core deposits, drive operational efficiency, and grow their commercial portfolios.

• ZSuite Technologies provides a digital commercial escrow and subaccounting platform that helps financial institutions grow sustainable, low-cost commercial deposits and deepen business relationships.
• ZEscrow serves commercial verticals that depend heavily on escrow and subaccounting, including property management, law firms and IOLTA, municipalities, title companies, 1031 exchange facilitators, and nonprofits, each with distinct compliance and interest-handling requirements the platform is built to manage.
• Banks and their commercial clients manage everything through a single online portal: opening, funding, and tracking subaccounts, with automated statements, interest calculations, and IRS reporting replacing manual, paper-based processes.
• Subaccounts are managed on the ZSuite platform, ZEscrow, rather than the bank's core, so institutions can support high-volume commercial relationships at scale and integrate easily into their existing tech stack.
• Commercial escrow relationships open the door to broader wallet share: treasury management, lending, and other commercial services grow naturally from these value-added deposit relationships.

Core Capabilities/Product Features

• Digital subaccount management: ZEscrow lets bank teams and commercial clients open, close, fund, and organize escrow subaccounts through a self-service online portal, with 24/7 access and no accounts added to the core.
• Flexible interest configuration: ZEscrow calculates, splits, and distributes interest at the subaccount level, including beneficiary splits, third-party arrangements, and rate structures.
• Automated compliance and reporting: ZEscrow replaces manual reconciliation and paper-based recordkeeping with built-in statements, interest tracking, IRS reporting, and audit logging, plus configurations that facilitate state and vertical-specific requirements.
• Multi-vertical support from one platform: A single ZEscrow implementation serves specific commercial clients like: property management, legal/IOLTA, municipalities, title, 1031 exchange, nonprofit, and other escrow-heavy verticals.
• Core-friendly architecture: Funds stay in accounts the bank owns while subaccounting happens on the ZEscrow platform, enabling fast implementation with minimal IT lift and easy fit into the existing tech stack.

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