Security Deposit Advantage

From first key to final disbursement. One connected workflow, built within ZEscrow.

Tenant Security Lifecycle Management 

Security Deposit Advantage transforms ZEscrow from a deposit holding tool into a complete lifecycle management platform from first key to final disbursement. 

 

Attract New Business

Become the bank that does more than hold funds. Offer PM clients a full deposit workflow they can't get anywhere else.

Retain Existing Clients

Property managers stay where they're most efficient. A holding account is easy to replace. A connected workflow that runs their business isn't.

Deposit Transparency

Complete audit trails protect your institution and clients from first deposit to final disbursement.

Generate Non-Interest Income

Every PM client you onboard brings deposits, deepens the relationship, and adds a new non-interest income stream. One product, three wins for your institution, all within ZEscrow.

SDA B2B (2)

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Your clients win.

Provide property managers with full move-in and move-out workflows where they already bank. No new platform to learn, no spreadsheet to maintain, no paper trail to reconstruct after the fact. Just a clean process from start to finish — and the documentation to back it up if a dispute arises.

You win.

Security Deposit Advantage transforms a holding account into an essential business tool. It deepens commercial client relationships, reduces compliance exposure, and gives your institution a competitive edge in every PM conversation — while generating new non-interest income all within ZEscrow.

FAQ

What exactly are we adopting - a new product, or new features on our existing ZEscrow account?

Security Deposit Advantage is a set of new capabilities added on top of your existing ZEscrow account. There's no new account structure or migration required.

How does this handle state-specific security deposit rules, like Massachusetts's signature and acknowledgment requirements?

The Statement of Condition workflow has an option to select signatures as required, so Property Managers who are in states with stricter signature requirements can have their document go through the required e-signature flow rather than a simplified acknowledgment step. The responsibility will be on the landlord or the PM to handle this step.

If we're audited, what does our documentation trail look like?

Every subaccount has a continuous record of documents like Statement of Condition, notification letter, interest calculations, and deduction reports — time-stamped and stored together, so audit preparation doesn't require reconstructing records from separate systems.

How does this affect the FI's role as the escrow account holder?

Your institution continues holding the underlying deposit accounts. Security Deposit Advantage adds a lifecycle management layer on top, strengthening the audit trail and documentation for accounts you already hold.

Does this change our (FI) interest calculation or payment obligations?

No, the interest calculation continues to follow the same configured rates and rules your institution already applies. Anniversary Interest Checks automate the tracking and verification of that process rather than changing the underlying obligation.

How does this help us retain and grow property manager relationships?

It gives your institution a differentiated offering beyond a subaccount, positioning your escrow product as full lifecycle deposit management rather than a commodity account service.

Who do we contact with questions after go-live?

Your dedicated Client Success Manager and support contacts remain the same as your existing ZEscrow relationship.

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