Why does my All-in-One checking account always show a $0.00 balance?

The All-in-One checking will always show a $0.00 balance at the beginning of each day because the “sweep” between your loan and your checking account occurs at the end of the prior day.

At the end of each day, your aggregate deposit or spent balance is determined.  If you deposit more than you spent in a day, funds are moved from the checking to the loan to pay down the loan balance.  If you spend more than you deposit in a day, the opposite occurs - funds are moved from the loan to the checking.  As a result, at the end of each day, the checking account balance will be $0.00. (NOTE: This does not apply to All-in-One loans on a primary residence in the State of Texas)