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Cash Management and Treasury Services

Plan for the Future of Your Business Now

Our Cash Management and Treasury Services are supported by our team of professionals that can assist you and your business with managing deposits and investments, payroll solutions, and payment fraud. We can tailor these services to fit your specific business while allowing you greater flexibility in managing your day-to-day operations.

Our experts are here to help.

Reach out to your relationship banker, call us at 1.844.PSBT.NOW or CHAT with us today to find the right solution for your business.

Collection & Deposit Services

Take advantage of our payment and collection services, so you can easily accept and receive payments. Enjoy the ease of collecting rent, membership dues, payments and more from the convenience of your home or office or on the go with our mobile app.

ACH Collections
Remote Deposit Capture
Mobile Deposit Capture
Merchant Services
LockBOX
Auto Books

Cash Flow Optimization

Seamlessly integrate sweeps into your business. Maximize cash flow by providing funds to various accounts as they are needed and investing excess cash daily.

Investment Sweeps
Line of Credit Sweeps
Zero Balance & Target Balance Accounts

Payment Solutions

Save time and money by paying vendors, processing payments and transferring funds with these payment solutions.

ACH Payments
Payroll/Direct Deposit ACH
Wire Transfers
Online Bill Pay
Interbank Transfers

PCard

The Peoples Security Bank &Trust Visa® Business Purchasing Card (PCard) offers additional functionality and reporting to effectively manage your business payables and earn a cash rebate.

Fraud Detection

Take full control of checks and ACH debits to prevent fraudulent transactions before they post to your account.

Payee Positive Pay
ACH Positive Pay

Vault Services

Working in conjunction with armored courier service, vault services can allow you to handle cash more securely and increase your cash flow.

Deposit cash without leaving your business
Receive daily credit for cash deposits without ever having to go to the bank
Your currency and coins needs can be fulfilled easily through phone or standing order deliveries

Todd Quann

The thing that stands out most about PSBT is their customer service. They’re very proactive and ahead of us on some of our questions and concerns; offering answers and solutions to questions that we didn’t even ask yet.

- Todd Quann
Lehigh-Northampton Airport Authority

Product Spotlight: POSITIVE PAY

QUICK FACTS

Your business may be writing less checks today than years past, however mail theft remains on the rise. Bad actors steal checks directly from mailboxes, and there have been instances of stolen mail trucks. With a check in hand, criminals simply wash and modify the payee’s name.
A third of commercial payments globally are still made by check. Using Positive Pay, the details on a check are matched to the details on a file to ensure validity. The same system can be used for an electronic transaction generated by the Automated Clearing House (ACH).
In 2022, Q2, our technology partner, identified and stopped $720 million of fraud via positive pay. In 2023, that number doubled to $1.4 billion.

FEATURES & BENEFITS

Automatically receive an alert set up through the online banking system when items are ready to view; decision items between 6am - 12noon EST
Streamlines the process for more efficient handling of fraudulent checks and ACH items
Easy sign up; training provided
No need to open a new account or order new checks; no affidavit forms, no waiting for provisional credit to your account
You control the payment of checks and ACH items
Stop fraudulent items from ever posting to your account
Effectively validate checks presented to the banker in the branch, reducing fraudulent cash withdrawals
ACH Positive Pay lets you safeguard against fraudulent activity by filtering and blocking unauthorized electronic transactions.

DISCLOSURES

For Treasury Management Services Terms and Conditions, please click here.

Cut-Off Time for Cash Management and Treasury Services:

ACH - ACH transactions originated through Online Banking must be sent no later than 4:00 pm EST on the business day prior to the effective date of the file and funds must be available in the account used for transmittal at this time in order for the transaction to be processed.
Wires - In order for wire transfer funds initiated through Online Banking to be sent on the business day of the request, the request must be sent to the Bank through the Online Banking Portal no later than 1:00 PM EST for International wire transfers and 3:00 PM EST for Domestic wire transfers. Any Wire submitted after these times will be processed on the following business day.
RDC - RDC transactions must be sent to the Bank prior to 4:05 pm Eastern Time for the transactions to be processed the same business day. Bank may amend cut-off deadlines from time to time.
Positive Pay (ACH & Check) - All exception items for Positive Pay must be worked by 12 PM EST to ensure proper processing.