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Cash Management
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Cash Management

Speed of Life^TM Cash Management

Products and Services

Today's business person expects accuracy and speed. Idle funds are expensive, and managing them can be time consuming. Speed of Life^TM Cash Management products can help your money make more money and make managing your money more efficient.

e-Business NetTeller Online Banking and Bill Pay

The "business day" is dead. You understand that managing a business and its resources in today's world requires 'round-the-clock and 'round-the-globe attention. Peoples e-Business Online Banking is the perfect tool. Imagine being able to check your balances, view cleared checks, pay bills online, transfer funds between accounts, transfer funds between Peoples and other banks electronically and more – all at your fingertips, any time, anywhere:

	24/7 instant access to account information and much more
	Convenient downloading of account information to Quicken^TM, Quicken^TM, and Money^TM software
	Time-saving, economical process to manage your cash flow
	Use of Peoples e-Business NetTeller Online Business Resource Center
	Dramatic savings of time and money from postage and mailing materials
	Ability to manage your idle funds proactively
	Latest technology insures increased security and protection from check and electronic fraud

Business Banking Merchant Card Services

Consumers and businesses alike expect payment choices including credit or debit card via PIN-secured or signature-based authorizations. Peoples offers a wide variety of options to fit your business collection needs. A Peoples Banker will work with your business to set up the customized program that's most responsive and efficient for you. Peoples Merchant Card Services program allows you to accept credit and debit cards with one system. Web-based or storefront, terminals or "knuckle-busters" – we have solutions to help. That means increased sales and shorter collection periods for you and more convenience for your customers:

	$500 if we cannot beat current pricing
	Competitively priced
	Customized programs that fit your needs and the needs of your customers
	Greater return on your investment
	Enhanced speed, security and efficiency in collection of your funds

NetTeller Payroll and Payment Solutions (ACH)

ACH payment processing is moving money electronically. Your business can use this system to process payroll, fees, transfers and more through the Federal Reserve System by ACH. Convenience, speed and accuracy all in one process – all at your fingertips:

	Collect payments on time by debiting your customer's account or crediting your employee's account, consistently and correctly every time
	Save precious time and money processing checks through an easy-to-understand, rapid, paperless system

ExpressLane^TM Remote Deposit
Streamline your deposit handling process with Speed of Life^TM convenience. Remote Deposit Image Capture uses a desktop scanner and PC-based software to scan checks for electronic deposit into your Peoples account from your own business office. The process uses a secure Internet connection:

	Deposits made quickly and conveniently
	Fewer trips to the bank
	View deposit amounts and images of all checks scanned front and back
	Multiple deposits per day along with a later cut-off time
	Your funds are processed almost immediately and deposited directly into your account

Money Market Sweep Investment Account

A Money Market Sweep Investment Account combines both a checking and an investment account. Your business can set a target balance for both accounts. It allows your money to make more money:

	Peoples Bankers provide advice on target or "peg" amounts that suit your needs
	Earn Money Market interest rates in the non-FDIC insured investment account
	Electronic e-Statements including images
	Automatic daily transfer of funds within accounts for highest yield
	Sweeping funds to a non-bank Money Market interest investment account creates earnings on surplus money

Business Debit Card

The Peoples Business Debit Card you outstanding ease and convenience. It speeds things along and provides you easy, accurate record keeping. Our card also makes once-cumbersome business transactions like payments and collections a snap. Business is tough enough as it is. Make things easier by securing a Peoples Business Debit Card today:

	Easy, convenient purchasing
	Complete and accurate records of your purchases
	Accepted at hundreds of thousands of locations worldwide
	Easy application process
	Cards available for use by you and your selected employees

QuickEarn^TM Lock Box Direct Invoice Payment Service

You can dramatically reduce the time and money your business spends processing checks. Your customers send their payments directly to your QuickEarn^TM Lock Box account at Peoples. Let us show you the many benefits of QuickEarn^TM.

Wire Transfers

Need to transfer funds from one place to another? Wire transfers enable your business to transfer money from your account to almost anywhere in the world.

Night Deposit Box and Other Services

Sometimes the little things count the most. You may not need them every day, but when you do, these services are here for you at Peoples. They include a secure night deposit box, notary service, coin counting and wrapping, traveler's checks, money orders and cashier's checks, Federal tax deposits, telephone banking and transfers, stop payments and check collections.

We are also pleased to provide references to experienced attorneys, accountants and other professionals with whom we have worked in the past.

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