People's United Bank Treasury Management provides the products and services to quickly and efficiently manage your company's payables. The ability to schedule and pay your vendors electronically through ACH or Wire Transfer is only part of our approach to maximizing your payable needs.

Please scroll down for more details on our Payable products and services.

To contact a Treasury Management Representative to learn more, call 1-888-280-4635.

For questions on existing Treasury Management Services, including Online and Mobile Banking support, please contact 1-866-831-5717

Automated Clearing House (ACH)
Convenient, efficient and secure means for incoming and outgoing payments

Automated Clearing House (ACH)

Using eTreasury+, our state-of-the-art Web-based treasury management system, you can streamline the transfer of funds and reduce the number of paper checks you write. Use ACH services for T&E reimbursement, vendor payments, direct deposit of payroll, pre-authorized payments, tax payments, and more.

Same Day ACH is effective September 23, 2016. Click here to learn more.

Electronic Data Interchange (EDI)

An EDI item is a special type of ACH payment that has an addenda record attached to the financial transaction. The addenda record contains various pieces of information relating to the dollar amount being sent (an example of information included in an addenda record is the invoice number(s) that should be credited for the payment sent). People's United Bank is able to interpret this information and provide you with a same-day report of information the sender put in the addenda record.  

Features and Benefits:

  • Improve productivity
  • Increase accuracy and reduce errors
  • Improve funds availability by avoiding delays created by invoicing and mailing of checks
  • Reduce your carbon footprint by eliminating the use of paper and ink


Account Reconciliation
Facilitates reconciliation of business checking accounts

Account Reconciliation 

Account reconciliation can help simplify and streamline your monthly reconciliation efforts.  With Full Reconciliation, your company sends us a file containing check issue information and we match checks-issued with checks-paid and balance the activity to your bank statement.  Any discrepancies will be researched and resolved by People’s United prior to providing your monthly recap reports.   Reports include a paid and outstanding item report as well as exception reports for items like stop payments, voids and deletes.  Reports are conveniently made available to you via eTreasury+, our internet banking platform.

Features and Benefits:

  • Fast and reliable way to reconcile accounts
  • Automated reporting
  • Save time reconciling high volume accounts
  • Search and view check images anytime


Positive Pay
Protect your company against check fraud

Check Positive Pay

For comprehensive protection against check fraud, Check Positive Pay is the best solution.  Your Company transmits check issue data (i.e. check number, dollar amount, issue date, etc.) to the bank which is then matched against each check presented for payment.  Items that do not match are rejected and presented for further review and decisioning by your Company.  Check Positive Pay is integrated with our eTreasury+ (our internet banking platform) to provide single login access to positive pay protection. File uploads, manual additions and deletes, online decision making of exception items, and reconciliation reports are available online for quick and easy access through your single, eTreasury+ login.

  • Payee Positive Pay
    Working in conjunction with Check Positive Pay, Payee verification provides an additional layer of protection. As checks are presented for payment, the Payee name is matched against the Payee issue data from your check issuance file. Any exceptions will be reported within eTreasury+ for quick and easy decisioning.
  • Reverse Positive Pay
    Rather than providing a check issuance file we'll provide you with a list of checks presented for payment. This will allow you to compare all paid checks with your own records. Using eTreasury+, you simply need to review the items and decision if they should remain paid or returned.

Features and Benefits:

  • Online access is available through eTreasury+
  • View exceptions and issues daily online
  • Generate outstanding reports
  • Track user activity
  • Create a default decision for exception which are not decisioned
  • Increased account security
  • Reduced Fraud



Wire Transfer
Irrevocable transfer of funds

Wire Transfer Services

People's United Bank makes it possible to quickly and securely move money around the country or around the world.  Wires can be originated in any one of our convenient branch locations or by utilizing eTreasury+ (our online banking platform).

eTreasury+ Wire Origination

eTreasury+ puts the ability to initiate wire transfers right at your fingertips.  Domestic, International USD and Foreign exchange wires can be sent with just the click of a button.  Wire data can be housed in templates or imported directly from your system and can be initiated in a single or batch process.  For your convenience, FED reference numbers are provided right in eTreasury+.  You’ll also find robust security features that make it simple and easy to establish security parameters unique to each of your Company’s users. 


Payroll Services
Personalized payroll processing for your business

Thank you for interest in Payroll Services/Processing. We are currently offering Payroll ACH Direct Deposit and Payroll Card Services. Please contact us for more information on these Services and their benefits. As a result of the recent acquisition of Sage Payroll Services by iSolved HCM, we are not currently accepting payroll referrals at this time.

We continually evaluate and update our product and service offerings to meet the evolving needs of our customers. Any future additions or changes to our offering will be posted here and throughout

Thank you for your continued interest in People's United Bank.

Card Programs
Convenient and flexible payment solutions

People’s United offers several card program options designed to meet the payment and expense management needs of business clients. As a direct issuer of Mastercard products for nearly 50 years, we’ve helped thousands of businesses by offering solutions that help maximize cash flow, streamline operations and increase visibility into your spending practices.

We take a holistic, consultative approach that puts your business at the center of everything we do. As a result, each of our card programs offers optional features and benefits that can be tailored to fit your particular needs, and our experienced, onsite staff delivers in-person customer service for business cardholders.

A People’s United Card Program can help your business...

Maximize Cash Flow

  • Extend payment float
  • Maximize vendor discounts
  • Optimize rebates/rewards

Streamline Operations

  • Single vendor payment solution
  • Migrate from checks to electronic payments
  • Simplify the procure-to-pay process

Increase Visibility & Control

  • Increase visibility into spending; access data for budgeting, forecasting and vendor negotiations
  • Manage staff spending by setting individual card parameters
  • Improve fraud and audit controls

To learn more speak with your People’s United Relationship Manager today, 

or call us at 1-888-280-4635.


Cost effective payroll processing

People's United Bank and NetSpend are dedicated to providing a turn key solution to allow organizations to implement a cost effective payroll card program to achieve 100% direct deposit. The employer and employee both benefit from the paycard with the flexibility to issue the card instantly and it's acceptance nationwide

Features and Benefits:

  • Corporate Cost Savings
  • Online, real-time applications
  • Instant Issue MasterCard Branded Cards
  • Simplified enrollment and funding
  • Can be used anywhere MasterCard debit cards are accepted
  • Cardholders can access 100% of their funds free of charge
  • Can be used at ATMs nationwide


Controlled Disbursement 
Efficient cash flow management

With People’s United Bank’s Controlled Disbursement service, the presentment of checks to your account is regulated for the most efficient cash flow. Investments can be maximized and borrowing minimized when you know early in the day the exact amount of checks that will be debited. Using an alternate routing number, checks are presented each business day by 9:30 a.m. ET, allowing you to manage your funds and minimize excess cash in your disbursement account.

Features and Benefits:

  • By 9:30 a.m. ET, allows viewing of the total dollar amount of checks presented to clear that evening
  • Minimizes need for loan advancement and maximizes ability to invest excess funds, putting you in better control of cash resources and forecasting
  • Automatic or manually controlled funding available through eTreasury+, our web based online banking system
  • Can be combined with zero balance or sweep services




Related Information


2Insurance available through People’s United Insurance Agency, a subsidiary of People's United Bank. All accounts are subject to underwriting approval.

3People's United Merchant Services, LLC (PUMS) is a joint venture of People’s United Bank, N.A. and Vantiv, LLC. PUMS is an indirect subsidiary of People's United Bank, N.A. Vantiv and People's United Bank, N.A. are not affiliated companies. Credit approval required.


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