DNB First's Cash Management Services are designed to help you manage your funds efficiently, effectively and automatically. We can do this by gaining access to your cash more quickly, by keeping it longer, and by investing it in the interim. As a result, your business will gain a substantial new source of profit. We provide you with a full line of choices to help you spend less time on your books and more time concentrating on your business. DNB First's Cash Management Officers will review your present deposit relationship or Cash Management program, prepare a cash management study based on your recent history and propose a program tailored to your business at no charge.

Government Services
Looking for a bank that can give you special technology and expertise to help meet your unique needs and challenges? Then you’ve come to the right site.

• Cash Management
• Special products & services for your employees
• Corporate Trust
• Public Finance – We can help you with structuring tax exempt financing.
  • Tax Revenue Anticipation Note (TRANs)
  • Tax Anticipation Note (TAN)
  • General Obligation (GO)

Contacts:

Laura Boysen
484-359-3037
lboysen@dnbfirst.com

Non-Profit Super Now & Government Services Super Now
DNB First's Super Now account is an interest bearing checking account that was especially created for Non-Profits, Townships, Boroughs, Municipalities and School Districts. All balances in a Non-Profit Super Now account over and above a special formulated target balance will earn interest daily at current market rates, thereby eliminating idle balances. Further, we can combine your Super Now account with a Zero Balance Account such as payroll, thus eliminating the need to transfer funds. All Super Now deposits are deposits of DNB First; therefore, the funds are reinvested within the community.

DNB First's Cash Management Officers will review your present deposit relationship or Cash Management program. Then they will prepare a cash management study based on your recent history and propose a program tailored to your business at no charge.

Contacts:

Laura Boysen
484-359-3037
lboysen@dnbfirst.com

Line of Credit Sweep
DNB First's Line of Credit Sweep will relieve you of making the decision on when to transfer funds to or from your Line of Credit. Each day after all debits and credits are posted, excess available funds over and above a predetermined target balance in your commercial checking are automatically used to pay down your line. If funds are insufficient in your checking account to cover check presentments, funds are automatically drawn from your Line of Credit. Further, when your business makes a deposit, DNB First gives next day credit to pay checks.

Getting Started
All you need is a commercial checking account and a Line of Credit approval. DNB First can also tie a Zero Balance Account to the line sweep, such as a payroll account.

Benefits to your business:

• Reduced interest expense by using excess cash to pay down your Line of Credit
  
  
• Eliminate the guesswork of when to transfer funds from or to your Line of Credit

Contacts:
Laura Boysen
(P) 484-359-3037
(E) lboysen@dnbfirst.com

Sweep Accounts

Investment Sweep
NOT INSURED BY THE FDIC, ARE NOT GUARANTEED BY THE U.S. GOVERNMENT OR ANY AGENCY THEREOF, AND MAY LOSE VALUE.

DNB First's Investment Sweep will relieve you of making the decision on when to transfer funds to make the most of your idle cash. Each day after all debits and credits are posted, excess available funds over and above a predetermined target balance in your commercial checking are automatically invested into a Daily Repurchase Agreement investment vehicle. Further, when your business makes a deposit, DNB gives next day availability to pay checks.

How it Works:
Increased Income - idle balances are automatically invested into your choice of three competitive money market funds.

Ease of Use - all transfers back and forth to checking or investment accounts are done automatically, thus eliminating the need to transfer funds from one account to another. In addition, we can tie as many zero balance accounts to this service that you require to enhance your return.

Information Tracking - real-time account information is available 24/7 through our on-line banking solutions.

Easy to establish - Please contact Laura Boysen 484-359-3037 or email lboysen@dnbfirst.com

A Daily Repurchase Agreement is in compliance with the Commonwealth of Pennsylvania Act 72 of 1971 (P.L. 281)
Other alternatives are available through our Trust and Investment Group.

Zero Balance Accounts (ZBA's)
Zero Balance Accounts (ZBAs) will enable your business to maintain separate checking accounts for bookkeeping purposes while eliminating idle balances and eliminate the need to make manual transfers.

How a ZBA account works:

• Your DNB First Cash Management Officer will work with your business to link multiple disbursement accounts to your main operating account/concentration account or your Sweep Account. Examples are payroll or other operating accounts.
  
  
• The ZBA account maintains a zero balance until all checks are posted at which time the ZBA account will be automatically funded from your operating/concentration account.
  
  
• Your DNB First statement will reflect all automatic transfers from your operating/concentration account to your ZBA Account.

Benefits:

• ZBA accounts provide an inexpensive way to concentrate all your funds into your main operating account/concentration account to maximize your return.
  
  
• Transfers are made automatically, eliminating the need to monitor balances and initiate transfers.
  
  
• Your business can control balances and funding of the operating/concentration account and its related ZBA accounts as if they were one large account.
  
  
• All deposits can be made to the operating/concentration account thereby eliminating the need to make deposits to multiple accounts.

Lockbox Service
By allowing DNB First to process your receivables, your business will benefit from improved availability, efficient processing, additional controls and reliability. As a result, you will enjoy faster, more productive use of your funds because your collections are deposited and cleared faster. Your payments are received and processed by the Bank, thereby establishing an audit trail outside your business while saving you valuable time.

How it works:

• Customer payments are directed to a DNB First P.O. Box.
  
  
• Early retrieval of mail.
  
  
• Payments received are processed and deposited to your account the same day.
  
  
• Images of your bills are sent back to you on a daily basis or per your instructions.
  
  
• As a bonus, for daily images, your business will receive a daily statement.

Benefits:

• Improves availability by reducing mailing and processing float time.
  
  
• Our automated lockbox processing provides much greater control over a manual system.
  
  
• Your business eliminates time and costs associated with processing your payments in-house. Your employees will now be able to dedicate their time towards your business rather than processing receivables.

Contacts:
Laura Boysen
(P) 484-359-3037
(E) lboysen@dnbfirst.com

Direct Deposit

ACH / DIRECT DEPOSIT / DIRECT CREDIT
Electronically debit your customers' personal or commercial bank accounts at the financial institution of their choice. The Direct Debit provides an efficient, fast and inexpensive way of handling automatic payment needs.

Benefits:

• Improve cash flow by knowing in advance the amount and the due date for receipt of payment.
  
  
• Increase efficiency with reduced number of checks to process, increased accuracy over customer written checks, simplified research due to internal processing and handling of
  returned items.
  
  
• Convenience for your customers knowing their bill is paid on time automatically.

ACH / DIRECT DEPOSIT OF PAYROLL
DNB First's ACH (Automated Clearing House) Direct Deposit of Payroll provides an efficient, fast and inexpensive manner of managing your payroll needs. In addition, your employees will enjoy many new benefits. Any employee can utilize Direct Deposit regardless of where they bank as long their bank or credit union is a member of Automated Clearing House.

Benefits to your business:

• Reduced costs - Fewer checks to purchase, reduced check distribution costs to employees and lower bank charges.
  
  
• Upgraded efficiency - eliminates the need to monitor disbursement float and reconcile checks issued to employees; no printing or signing checks; eliminates possibility of lost or stolen checks; reduced research time; simplified account reconcilement.
  
  
• Employee Satisfaction - simplifies payroll for sick or vacationing employees, confidential payroll payments.

Benefits to employees:

• Funds Availability - Funds are available to the employee on payday not the day after. Employee can withdraw funds that morning from an ATM or the bank.
  
  
• Convenience - Eliminates time spent at the bank waiting in line to cash payroll checks; option of splitting their pay into a checking and savings account automatically; no more lost or stolen checks.
  
  
• Confidential - eliminates merchants or fellow employees from viewing paychecks.
  
  
• Special benefits for employees who have or sign up for a DNB First deposit account. Call for details.

Contacts:
Laura Boysen
(P) 484-359-3037
(E) lboysen@dnbfirst.com

Cash Concentration Accounts / DTC
With DNB First, your business can have multiple disbursement accounts all flowing in and out of one concentration account automatically. Further, by using a DTC (Depository Transfer Check) your business can have funds transferred from multiple locations into your concentration account.

Contacts:
Laura Boysen
(P) 484-359-3037
(E) lboysen@dnbfirst.com

Wire Transfers
DNB First offers both domestic and international wire services virtually anywhere in the world. Please call or visit one of our branch locations most convenient to you for more details.