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People's Bank of Commerce

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Treasury Management

Improve your funds management, cash flow and your bottom line with Treasury Management solutions from People’s Bank. With cutting edge products like mobile banking, business online banking, and Remote Deposit Capture, you can manage your cash quickly and easily from the comfort of your own home or office.





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Merchant Services

Expand your customer payment options.  Adding the convenience of taking Visa, MasterCard, Discover and American Express cards makes sense in today’s electronic age.  People’s Bank looks forward to providing you with a Free custom cost analysis to evaluate the benefits merchant services can bring to your business.  If you have a current provider, we invite you to come talk to us so we can show you just how competitive People’s Bank fees really are.

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ACH Origination

With People’s Banks Automated Clearing House (ACH) Origination services you can take care of business electronically and significantly save your business time and money. You’ll spend less time processing invoices and payments received and have more time to focus on growing your business!

Here are just a few features of ACH Origination that will provide you freedom from paperwork:
  • Make payroll direct deposits to individual checking or savings accounts at various financial institutions
  • Make payments - including transmission of Treasury Tax & Loan payments
  • Receivables and recurring payments can be collected from your customers
  • Create dual control for added security (one employee initiates ACH/another employee approves)
  • Be better prepared to forecast cash flow
  • Reduce exposure to fraud due to lost or stolen checks
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Remote Deposit Capture

Remote Deposit Capture (RDC) is safe, secure, and simple.  RDC utilizes a desktop scanner that connects to your PC and the Internet.  With it, you can scan checks received from customers and make deposits electronically to your People's Bank accounts, anytime day or night.  It's the quickest way to turn check deposits into cash.

Deposit checks right from your desktop:
  • Save time preparing deposits:  Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
  • Streamline cash flow:  Deposit checks into a central corporate account regardless of remote office or storefront locations.
  • Reduce risk of check fraud:  Faster check clearing may allow you to act sooner on returned checks, increasing collection opportunities.

Is Merchant Capture for you? 

Does your business:
  • Have multiple locations?
  • Make deposits
If you answered YES to any of the above questions, then Merchant Capture may benefit your company. It's like having a 24-hour teller right in your office.

  • Get faster funds availability - With electronic deposits, checks can be deposited into your account sooner, so your money is working smarter for you.
  • Make deposits anytime - Enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week, even weekends.
  • Save time preparing deposits - Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
  • Save time and money - Electronic deposits can reduce trips to the bank and eliminate costly courier fees.
  • Streamline your cash flow - Check deposits can easily be made from any remote office or storefront. This makes it easy to consolidate deposits from multiple locations into a single bank.
  • Reduce risk of check fraud - Faster check clearing may allow you to act sooner on returned checks, increasing your opportunities for collection.
  • Work more securely - Multiple layers of security include password protection, Internet firewalls, and 128-bit encryption - the highest level of security commercially available.

What you will need.

Merchant Capture is easy to set up and use. All you need is:
  1. A PC with an open USB 2.0 port and a current version of VIsta (32 bit or 64 bit) Windows 7 (32 bit or 64 bit), or Windows 8 and Internet Explorer® 9 or newer.
  2. A properly installed desktop check scanner.
  3. An Internet connection.
  4. An account with People's Bank of Commerce.
     

How does Merchant Capture work?

Using Merchant Capture is easy:

  1. Scan checks from a Web-connected computer - Using a desktop check scanner, simply scan both sides of the checks in a single pass.
  2. Prepare the deposit - View images of the scanned checks right on your PC. The dollar amounts for the checks are automatically read, and the deposit is totaled.
  3. Electronically send the deposit to the bank - After you save the deposit, go to the Pending Items tab and click the deposit's submit link. The deposit is sent to the bank through a secure Internet connection. Funds are deposited into your account - Funds may be available sooner than traditional deposits. 
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Wire Manager

A scalable, next-generation solution, Wire Manager expedites wire transfers for your organization by providing a quick and secure method for moving funds between banking accounts.

Here is an overview of how Wire Manager can be a powerful business banking tool right at your fingertips:

Wire transfers are growing in volume, especially among businesses who rely on the same-day availability of transferred funds. A browser-based solution, Wire Manager simplifies wire origination and processing, so you can complete transfers more quickly and easily than ever.

Predefined templates greatly enhance the experience, and an automated workflow guides requests through processing and approvals. Each transfer file is validated to meet Federal Reserve standards, and email notifications keep you updated about the real-time status of transfers as they are processed. For enhanced security, you can limit the number and dollar amount of wires originated as well as the users.

When you submit transfers through Wire Manager in our online banking, the transaction is automatically sent to the Federal Reserve, eliminating any other transfer processing. This allows you to view the real-time status of wires online immediately after they’re submitted.

Features:
  • Convenient email notification: Once a transfer is submitted, Wire Manager sends a confirmation email. The system can also provide you with updates about the status of transfers moving through processing.
  • Automated processing: An automated workflow and streamlined approval process replace tedious, inefficient and time-consuming tasks, so your staff can manage wire transfers in less time.
  • Built-in security controls: To enhance risk management, Wire Manager enables your organization to set limits governing the number and dollar amount of transactions originated.
  • Real-time reporting: Wire Manager offers online access to real-time wire status information and extended transfer history.
  • Safe and secure 
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Sweep Accounts

Maximize your earnings with a sweep account!  This account will pull funds from your designated account, or line of credit on an as needed basis.  This leaves your funds in your interest bearing account until they are actually needed to cover expenses, increasing your interest earnings. If your funds are coming from a line of credit, your sweep account will help to reduce finance charges.  Your People’s Bank account officer will help you set-up your sweep accounts to best fit your situation.

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Fraud Protection Tools
Check Positive Pay & ACH Filter
Fraud protection services for your business accounts.
Check Positive Pay and ACH Filter are two of People’s Bank’s fraud protection services for your business. They allow easy detection of fraudulent attempts on your accounts.

Not sure which service is right for you? Depending on your business’ behaviors both ser­vices can protect you. Check Positive Pay protects any checks that you write on your account. Whereas, ACH Filter protects ACH transactions.

Key Benefits

  • Minimizes the potential of fraudulent check activity
  • Searches for paid checks that do not have a match
  • Check Positive Pay service simplifies month-end reconciliation by making it quicker and easier
  • Your business’ deposit balancing will be more accurate and improved
How Check Positive Pay Works
Check Positive Pay matches the account number, check number and dollar amount of each check presented for payment against a list of checks authorized and is­sued by you. If any of these components don’t match, you will be notified to review the exceptions to either return or pay.

How ACH Filter Works
ACH Filter helps protect your funds by allowing only ACH transactions from the parties you authorize, within the dollar limits you designate, to post to your account. An email notification listing the exceptions will be sent to you.

Easy to use and simplifies end-of-month reconciliation since mismatched items have been previously identified.   

 


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BILL PAY

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QUICKBOOKS/QUICKEN

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CREDIT CARDS

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