# Cash Management

### Grow your capabilities.

## Optimize Business Cash Flow

Keep your bottom line growing with cash management solutions that put your cash to work for your business every day. Penn Community Bank’s data-driven money management tools are built on the financial technology that business owners like you need.

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## Empower Your Business’s Financial Growth

Penn Community Bank’s cash management services have been crafted to streamline your business’s daily operational requirements. We present tailored solutions to simplify collections and disbursements.

Our seasoned team of cash management professionals is committed to ensuring your success by adding efficiencies to your business’s banking processes.

### Collections

#### Remote Deposit Capture

A fast, efficient, and secure way to make deposits 24/7 without running to the bank. Next-day availability of funds for deposits made on a business day by 5 pm. Various reporting capabilities are available via the secure web-based program.

#### ACH Services

Initiate ACH collection files to a single payor or group of payors for a secure, convenient payment method. Dual control is required to verify payments for an additional layer of security.

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### Disbursements

#### Wires

Transfer funds securely between your Penn Community Bank business account and other external bank accounts – including domestic and international wire transfers – directly within online banking. Dual control is required to verify payments for an additional layer of security.

#### ACH Services

Give your employees and vendors a faster, safer way to access their money by initiating direct deposit payments through Automated Clearing House (ACH) services. Import a file or create a template to send payments. Dual control is required to verify payments for an additional layer of security.

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### Fraud Protection

#### ACH Positive Pay

Review ACH debit and credit transactions to confirm that all items are authorized.

#### Check Positive Pay

Matches the payee, check number, and dollar amount of every check presented for payment against a list of previously authorized checks.

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### Sweep Accounts

#### Sweep Account

Automatically transfer cash that exceeds a set threshold into an interest-bearing account at the end of each business day to maximize your earning potential.

#### Zero Balance Account

Create a master business operating account and automatically disburse funds as needed to linked accounts. At the end of the business day, funds are automatically moved from disbursement accounts back to the master account.

#### Commercial Line of Credit Sweep

Seamlessly integrate your operating accounts with a flexible line of credit. Gain increased cash flow and greater control over your finances while maximizing liquidity and minimizing interest expenses.

Improves cash flow and reduces interest expenses.

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## Ready to Grow Your Business?

Our cash management solutions empower business owners by offering valuable insights and a thorough understanding of their financial condition. Additionally, we provide them with the essential expertise and resources required to facilitate business growth.

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## Business Online Banking

Penn Community Bank provides the flexibility, responsiveness, and efficiency you need to grow your business. Our Business Online Banking can help guide your next level growth by providing you the tools and streamlined solutions to make your banking tasks virtually seamless, including:

- A robust business mobile banking app for Android and iPhone
- Direct connect for QuickBooks
- Customized alerts and notifications
- Advanced reporting
- E-Statements

## News & Highlights

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2025-12-16 12:09:53 BY Penn Community Bank

#### Penn Community Bank Named to Newsweek’s Best Regional Banks for Third Consecutive Year

PERKASIE, PA (December 2025) – Penn Community Bank, the largest independent mutual bank in eastern Pennsylvania, has once again been recognized as […]

blog

2025-12-11 09:20:20 BY Penn Community Bank

#### Fueling Your Business Story with Commercial Banking Services | Penn Community Bank

As a business owner, you know that growth isn’t just a goal—it’s a journey. Whether you’re launching a new idea, […]

blog

2025-11-12 09:00:58 BY Penn Community Bank

#### Remembering Jan Bacchi

It is with profound sadness that we announce the passing of our colleague and friend, Jan Bacchi. Jan was our […]