Cash Management Tools for Local Businesses

Smarter Cash Flow. Better Control. Fewer Headaches.

Managing cash flow is one of the most important—and time-consuming—parts of running a business. At Peru Federal Savings Bank, our cash management tools help local businesses simplify payments, accelerate deposits, and maintain better visibility over their finances.

Whether you’re managing payroll, collecting customer payments, or planning for future growth, our cash management solutions are designed to save time, reduce risk, and support smarter financial decisions.

Why Cash Management Matters

Built for the Way Local Businesses Operate

Effective cash management keeps your business moving forward. Our solutions help you:

• Improve cash flow and liquidity
• Reduce manual processes and errors
• Enhance fraud protection
• Gain real-time visibility into your business finances

With local support and decision-making, you’ll get tools tailored to your operation—not a generic package.

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Cash Management Solutions

Flexible Tools That Work Together

We offer a full suite of cash management and treasury services that can be customized to your business needs.

ACH Origination

Streamline payments and collections with secure ACH solutions.

• Direct deposit payroll
• Vendor payments
• Customer collections
• Reduced check handling and processing time

ACH Blocks & Filters

Protect Your Business from Unauthorized ACH Activity

Electronic payments are fast and efficient—but they also require strong controls. ACH Blocks and Filters add an extra layer of protection to your business accounts by helping prevent unauthorized electronic withdrawals and reduce the risk of fraud.

At Peru Federal Savings Bank, our ACH fraud-prevention tools give local businesses greater control over who can debit their accounts and under what conditions.

Express Deposit (Remote Deposit Capture)

Deposit checks quickly—without visiting a branch.

• Scan and deposit checks from your office
• Faster access to funds
• Improved recordkeeping

Online & Mobile Business Banking

Access your accounts anytime, anywhere.

• Real-time balances and transaction history
• Transfer funds and approve payments
• Mobile access for busy business owners

Merchant Services

Accept payments the way your customers prefer.

• Credit and debit card processing
• Point-of-sale solutions
• Faster access to funds

Wire Transfers

Move funds securely and efficiently.

• Domestic and international wires
• Fast settlement times
• Dedicated local support

Sweep Accounts

Put idle cash to work automatically.

• Optimize liquidity
• Reduce manual fund transfers

Improve earnings on excess balances

A Local Approach to Cash Management

Real Support. Real Relationships.

At Peru Federal Savings Bank, cash management isn’t just about technology—it’s about people. Our local bankers work closely with you to understand your cash flow cycle, seasonal needs, and growth plans.

We’ll help you:

• Select the right tools for your business
• Implement services smoothly
• Adjust your solution as your business evolves

Who We Serve

Our cash management tools support:

• Small businesses
• Manufacturers & distributors
• Agricultural operations
• Municipalities and local organizations

Get More Control Over Your Cash Flow

Let’s build a cash management strategy that works for your business today—and grows with you tomorrow.