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Optimize your payments and take control of the business funds.  Send funds to anyone, anytime.

  • Conduct a number of payments 24/7 via Business Online Banking
    • Payroll, pension, expense reimbursements and dividends
    • Payments to vendors
    • Pay state and federal taxes and more
  • Same Day ACH allows you to complete payments on your terms including the same day the ACH is originated
  • Schedule one-time or recurring outgoing payments
  • Eliminate manual check preparations and reduce costs associated with issuing and reconciling
  • Reduce fraud losses related to stolen checks, counterfeit checking, altered and forged checks
  • Efficient and accurate processing, providing more visibility to your cash position
  • Improve cash flow
  • Increase productivity by automating processes

Making International Business Payments?

Regardless of the size of your business, reviewing how you send money internationally is more important than ever.  Whether it’s buying merchandise from overseas suppliers or paying foreign employees, working with overseas partners is easier than ever – except in one area.  While other areas of business have evolved at rapid speed, sending international payments can still be time-consuming and costly.
Peoples National Bank is making things simpler for your business. Our online international payments service allows you to send more than 130 different currencies to over 200 countries and territories.

You’ll receive near real-time exchange rate quotes prior to submitting a payment order. This gives you full transparency and control over your cash flow. The funds are exchanged into the recipient’s local currency and the transfer can take as little as two days.


  • Send money by wire transfer, direct credit or draft in a total of over 130 currencies
  • Depending on your size, we offer a user-friendly online platform that can allow you to send payments in minutes
  • Near real-time exchange rate quotes
  • No surprise fees
  • We can track your payments
We offer a wide array of international payment capabilities to keep your business moving. Our foreign exchange services make transactions efficient helping you to save you and your recipients time and money, protecting your bottom line and improving your business relationships.
Help to transform your business today.

With our partner Paycom®, Peoples National Bank is able to offer options for your business. Discover a complete solution for payroll and other human resource tasks. These options help save you time and effort so you can focus on your business. You are able to manage the entire employee experience from one application.

Contact us to see how Paycom® can help your business.

Benefits for Employers

  • Saves businesses money by eliminating need for paper payroll checks, postage, and reconciliation
  • Reduces businesses’ need to store large quantities of cash
  • Streamlines payment processes by auto-loading employees’ payroll cards
  • Simplifies the account reconciliation process by reducing the number of payroll debits

Benefits for Employees

  • Simplifies the withdrawal process – employees can withdraw from any ATM
  • Freedom to use the card at any establishment that accepts Visa®
  • Support available 24/7 through a toll-free phone service for lost/stolen cards
  • Convenience of not having employees searching where to cash their payroll checks

Simplify Payment and Reduce Costs with the One Card!

The One Card combines benefits of travel and purchasing cards into one card program. It’s an expense management solution that allows your clients to pay for everything with a single card — from airfare, to fuel, to supplies.

The card's customizable spending functionality is designed to meet each employee's requirements and manage all of your spending. Your organization can create multiple user profiles to fit each cardholder's needs, such as frequent business travelers and purchasing managers. One Card is a non-revolving, non-interest bearing charge card, typically with an annual spend greater than $250,000.

Manage Your Card Online

With the One Card, your organization can have real-time management with Access Online. This is a proven, integrated payment and card management system that is ideal for corporate clients and public sector organizations.

In addition to comprehensive card program management, reporting and virtual payment capabilities, it also supports cash management strategies, risk management and advanced systems integration. Key system features include:

  • Online Access 24/7: US based support team that provides easy access to manage transactions, statements, cardholder profiles and cardholder account features.
  • Transaction Management: view transactions for up to the last 6 billing cycles and add client specific details to transactions, such as purchase receipts, tax information and route for approval; download statements for the last 18 months.
  • Payment Plus: extends commercial card payments to higher value transactions typically paid by check; provides Accounts Payable (A/P) with the flexibility, float and rebate of a commercial card, along with control and security of a "virtual" card account.
  • Reporting & Statements: choose from a variety of standard and ad-hoc reports dashboard reporting, which provides summary performance "snapshots" and report scheduler for standard and ad hoc reports.
  • Financial Extracts: select from standard, general ledger and payment data extracts to integrate into your organizations existing financial systems.

Virtual Pay

Complement your program with the convenience of virtual card account capabilities delivered by Virtual Pay.

  • Reduce fraud and gain greater control by establishing set credit limit and validity periods.
  • Gain processing savings when you eliminate costly manual, paper-based processes.
  • Leverage improved data, reporting and reconciliation to support vendor negotiations and simplify reconciliation.
  • Improve revenue streams by increasing your rebate opportunity and extend your float.

Three Easy Steps

  • Submit payments via form- and file-based payment instruction options.
  • Pay suppliers securely with virtual card accounts or simply deposit funds directly into your supplier's account with straight-through processing.
  • Monitor payments with Access Online, reporting and financial extract options.

Contact us to see if the One Card is right for your organization!

One Card Features How Your Organization Can Benefit
No annual card fees Experience no hidden charges with rebates available for qualifying companies
Visa Liability Waiver Protection program1 Receive $100,000 protection, per instance, from misuse by employees
Cost savings Decrease costs associated with the processing of checks, invoices and purchase orders
Flexible authorization system and cardholder spending controls      Manage where cards are used and limit company exposure
Easy integration with accounting and financial systems Eliminate many manual processes such as data entry and filing
Acceptance around the world Obtain unparalleled purchasing access
Detailed transaction data and full reporting for complete expense management Get all the data that is needed to measure card program performance and streamline expense reporting
Account setup and maintenance Manage and control accounts online in real time
Corporate Billing with flexibility for Individual Billing all under the protection of corporate liability Manage corporate expenses while holding employees accountable for prompt payment
Experienced implementation project managers and relationship managers to help with end-to-end program management strategies Achieve the greatest cost savings and improved efficiencies from your card program
Tax and compliance management support        Eliminate most issues associated with 1099 reporting 
Supplier management solutions Identify and develop opportunities with strategic suppliers
Automatic travel accident insurance and emergency travel services Provide added security for employees
24-hour customer service Receive assistance whenever it is needed
  • Quick and secure same day movement of funds
  • Direct connectivity with the Federal Reserve for domestic wires
  • Initiate domestic and international (USD/FX) wire transfers within Business Online Banking, visiting a branch or electronically
  • Schedule one-time transfers or create recurring templates for future use in Business Online Banking
  • Only authorized individuals are able to initiate wires
  • Multiple layers of security are utilized
    • Dollar limit
    • Passwords, tokens and alerts
    • Personal Identification Numbers (PINs) and call recording
  • Confirmation available for incoming and outgoing transactions

Here, the Golden Rule still applies.