Put your working capital to work
Maximize returns on idle cash. Minimize interest expense. Simplify cash accounts. We offer flexible liquidity and investment solutions that work hard for your business. We’ll help you save valuable time, maintain more control and manage risk.
Automated Investment Sweep
Automated Investment Sweep manages your business cash more effectively for you - without additional time or effort. Automatically invest surplus funds from idle accounts to enhance your profits, or transfer investment funds back to maintain liquidity for operating expenses.
- Maximize use of overnight excess cash and eliminate idle funds
- Maintain liquidity for operating purposes with next-day access to invested funds
- Reduce risk of losing value or missing opportunity to invest in needed capabilities

How it works
At the end of each business day, we’ll determine your available combined balance from all sources of funds.
If exceeds your target…then excess funds are automatically transferred or “swept” into an investment account earning interest at market rates.
If below your target…then funds are automatically transferred from your investment account into your main checking account to cover expenses.
Zero Balance Accounting
Consolidate funds from multiple linked business checking accounts through automatic transfers to and from your central concentration account.
- Simplify the management of cash balances
- Avoid overdrafts
- Eliminate manual transfers
- Reduce idle balances

How it works
At the end of each business day, we’ll bring your checking sub-accounts to a zero balance by automatically transferring funds to or from your centralized account through automated funding or debiting of multiple checking accounts. You can add or remove sub-accounts at any time.
Loan management
Borrow what you need, when you need it. Reduce expenses and save time with automatic transactions against your commercial line of credit.*
Disclosure
*Credit approval required.
More solutions for your business
On April 2, 2022, People's United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People's United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.