Cash Management Page 2

Cash Management

As a business owner, you want to get the most out of your time and money. after all, those are your two most important business resources. With our wide array of cash management services, we can help you collect and disburse funds more efficiently, improve funds availability, and maximize your cash flow.

Debra Leone 
AAP, Assistant Vice President, Cash Management
(413) 206-5618
dleone@pncu.com

Cash Management

Cash Management
  • Remote Deposit Manager. Deposit checks easily and securely right from your desktop and enjoy improved funds availability and extended deposit times.
  • ACH Manager. Take advantage of a smart, secure, and easy way to pay your employees and suppliers with ACH Collections and Payments.
  • Wire Manager. Send money in the U.S. – and around the world – right from your office with our Wire Manager Service. Control access with approval features and create templates to transmit recurring wire transfers more easily.
  • Zero Balance Accounts (ZBAs). Consolidate funds from multiple accounts into your main operating account to maximize investment opportunities and reduce fees.

Online & Mobile Banking

Online Banking

Monitor and control your business cash flow and everyday banking right from your desktop or mobile device with Online Banking. You can access and manage multiple business banking accounts to:

  • Get up-to-the-minute account balances and transactions.
  • See what checks have cleared.
  • Pay bills to virtually anyone.
  • Arrange to have recurring payments, such as your lease made automatically.
  • Set account alerts to help you monitor your account more easily.
  • Establish access levels to delegate banking responsibilities to employees.
Mobile Banking

Put the power to manage your money in your hands anywhere your business takes you with Mobile Banking. You can do all your routine banking – monitor account balances, transfer funds plus deposit checks – easily and securely with free Mobile Deposit Capture.

With Mobile Deposit you can conveniently deposit checks directly into your Polish National Credit Union savings or checking account, without going into a branch, and by simply taking a picture of a check using your smartphone. Mobile Deposit is available to both personal and business members of the Credit Union.

Available on the Apple App StoreGet it on Google Play

Click Here if you want to learn more about ten cybersecurity tips for small businesses.

Debit & ATM Card

MasterMoney™ Business Debit Card

Enjoy a secure and convenient way to make purchases worldwide – at any merchant that displays the Mastercard,® Cirrus, or Plus logos.

With a MasterMoney Business Debit Card, you can enjoy great benefits including:

  • Funds are deducted right from your checking account each time you make a purchase.
  • You can request cards for your employees and set access levels and spending limits.
  • Fast cash. You can also use your card to get cash – free from surcharges – at PCU ATMs as well as any non-PNCU ATM that displays the SUM® or MoneyPass®logo.1
  • With MasterCard’s free SecureCode,TM you get an added level of security when making purchases.
  • Instant card replacement. If you have a lost, stolen, or damaged card, we can replace it immediately at any PNCU branch.

PNCU Business ATM Cards

With a PNCU ATM Card, you can get cash wherever your business takes you at any ATMs that are part of the SUM® or MoneyPass® logo.

How to avoid ATM Surcharges

Click for SUM locations.SUM ATM®
As a member of the SUM Network, our members can avoid ATM Surcharges by looking for the SUM logo. Click here to find a participating  ATM near you.

Click for MoneyPass locations.MoneyPass®
Tens of thousands of surcharge-free ATMs coast to coast.
Click here to find a MoneyPass ATM.

Branch & Account Services

Branch Services
  • The following services are provided at our branch locations (as noted below):
    • Free Notary Public services for members are available at all offices.
    • Money Orders are provided to our members at a nominal fee at all branch locations.
    • Treasurers Checks are provided to our members when withdrawing funds from a Polish National Credit Union account. They are available at all branch locations.
    • Coin Counting is available in our Wilbraham and Southampton offices.
    • Safe Deposit Box Rentals are available in our Chicopee Falls, Granby and Wilbraham offices.
Account Services
  • Overdraft Protection
    Overdraft Protection is a courtesy program that pays items presented to a member’s account when sufficient funds are not present to cover the amount of the withdrawal. Have peace of mind knowing your card will not be declined.
  • 24/7 Telephone Banking
    Dial our toll-free number 888-592-PNCU(7628) and follow the menu prompts to check balances, transfer funds, make loan payments, review checks paid and also review recent ATM deposits and withdrawals.*
  • Wire Transfers
    Polish National Credit Union offers wire transfer services on both a Domestic and International level. Signature verifications are required.

Relationships Built to Last

For more information about accounts and services, visit a credit union branch in Western MA near you, use our Contact Form, or call us at (413) 592-9495.

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