Commercial Online Banking
built for the way you work

Provide secure access to employees through teams and permissions

• Establish company administrators who can set up additional users and delegate access.
• Provide appropriate user access to accounts and services using customizable permissions or our predefined default permissions.
• Predefined default permissions include:
  • Admin 1 & 2– Has access to all functions for all accounts including managing user permissions, initiating, approving and viewing (established during set up of service).
  • Super User – Has equivalent permissions as the company’s delegated Admin 1 &2 users.
  • Initiator – Can view reporting and initiate payments and account transfers for all accounts.
  • Approver – Can view reporting and approve payments for all accounts.
  • Viewer – Can view reporting for all accounts.

Strengthen your internal controls through a combination of standard and optional features:

Dual Approval / Self-Approval

• Provide an added layer of security with our standard dual approval feature when sending payments.
• Or, utilize the self-approval option to initiate and approve your own payments with step-up authentication.

Token Passcodes

• Token passcodes are required for users accessing services with external money movement capabilities.
• Use PINACLE Pass^™ to easily generate a token passcode on your mobile phone.
  • Go to the App Store^® or Google Play^™
  • Search for “PINACLE Pass”
  • Download the PINACLE Pass^™ App

• Work on your PC, Mac, tablet or mobile device. PINACLE is ready to work wherever you are. 
• No need for an app when on your tablet or mobile device. PINACLE is mobile ready and can be accessed directly through your mobile browser. 
• Enhance your browsing security through Trusteer Rapport^® online protection software^[2]

Pay vendors, suppliers or individuals from anywhere with PINACLE’s robust online payment capabilities:

PINACLE Payments Service

PINACLE Payments harnesses the collective power of the Real Time Payment (RTP) network, Bill Payment service, and the Automated Clearing House (ACH) network to process your payments. Simply initiate your payment and decide who, when and how much to pay.

• Quickly and easily pay your bills with just a few clicks.
• Real-time and same day payment options available.
• Maintain and organize saved payees for easy future payment.
• Track your payment through the lifecycle of the payment.
• View historical payment details and audit reports.

Wire

• Securely send funds online (Domestic, International USD, International FX)
• Initiate payments via freeform entry or with easy-to-use templates.
• View wire transaction reporting including detail and summary information, audit reports, items pending approval, and future-dated transfers.

Streamline your deposits and help eliminate multiple trips to the bank:

Remote Deposit

• Create a new deposit by easily capturing images of consumer and business checks via a remote deposit scanner or on your mobile device.
• Submit your deposits several times a day or at the end of the business day.
• View the status of open and submitted deposit details and access deposit reporting.
• To find PNC's Deposit On-Site^® app:
  • Go to the App Store^® or Google Play^™
  • Search for “PNC Deposit On-Site Mobile”
  • Download the PNC Deposit On-Site^® Mobile App

Reverse Positive Pay

Manage fraud-related risk and respond quickly to suspicious transactions with PNC’s Reverse Positive Pay service.

• Review prior day’s paid checks. 
• Validate the list of paid checks, view check images and mark unauthorized checks for return—all through one online tool.

EDI Report

When vendors send electronic transactions with associated payment information, EDI reports can help you efficiently capture this data via secure online access to apply the payment accurately and efficiently.

• View your electronic (ACH, wire and credit card) receivables online. 
• The amount of remittance information reported is based on the type of transaction delivered to the bank by your vendors and may include ACH, wire and/or credit card transactions.  For ACH transactions, you can also receive reporting based on Standard Entry Class (SEC) codes, as well as ACH credits and/or debits.

See your business accounts, loans and cards and view balances in a single dashboard view or drill into specific transactions with robust filtering and search capabilities:

Statements

Manage your cash flow by viewing all your account activity on a monthly basis.

• View up to 7 years of your account statements online.
• Gain insight by viewing all of your services on your analysis statements.

Reports

Reconcile accounts faster by viewing account detail online instead of waiting for your statement to arrive in the mail.

• View daily balances, float, returns, and pending and posted transactions with summary and detail level information.
• Create custom reports with robust filtering and search capabilities which can be exported to PDF, XLS, or CSV or synch this information directly with your QuickBooks^® desktop or online software.
• Review detailed remittance and/or addenda information received from the Automated Clearing House (ACH) network or see EDI Transactions received directly from your business partners.

Event Notifications

Stay on top of important account activities, transaction approvals and more.

• Customize which event notifications you want to view and when.
• Maintain flexibility with event notifications delivered within PINACLE, by email or by text message.

Securely Transfer funds online between your PNC business accounts:

• Manage your time effectively by creating and saving recurring instructions or utilize free-form instructions for one-time transfers.
• View the status of your pending, completed, and future dated transfers.

Make informed decisions and efficiently initiate transactions.

Loan Information, Transactions, and Statements

• Review your balances, availability, and transaction history.
• Download your statement in PDF or CSV format.

Loan Payments

• Pay loan invoices or make additional principal payments.
• Pay today or schedule for a future date.
• Set up recurring principal payments.

Loan Advances 

• Request advances and receive your funds immediately (or immediately following a review by a PNC representative when necessary), providing quicker and easier access to funds when you need them most.

Maximize the benefits of your PNC Commercial Rewards Card^® program with easily accessible online access that can help you optimize cash flow, control expenses, and reduce time spent on back office tasks.

Card Information, Transactions, and Statements

• Manage your program in real-time by setting spend limits and restricting cash access on cards.
• Order cards and grant online access to employee cardholders.
• View detailed transaction information for all cards including the ability to download into QuickBooks^®.
• View and pay your monthly balance due.

Training

• PINACLE offers online drop-in training classes to help orient you to your new online banking services.
• Daily tasks on the home page will alert you to activities that require your immediate attention.
• Tool Tips are placed strategically throughout the experience to provide additional information about a service.

Support

Our Treasury Management Client Care team is available to assist you with all of your PINACLE services wherever you may be. Speak with one of our qualified representatives via phone, email, or through PINACLE live messaging.