Cash Flow Insight®

A suite of cash flow management tools
available in PNC Online Banking.

How to help transition your business from physical to virtual

Cash Flow Insight is designed to help you monitor and plan your cash flow, send invoices via email, get paid online and digitally manage payables. Learn more about how Cash Flow Insight can help you navigate the current environment remotely.


Manage Your Business’s Cash Flow
with Efficiency, Control & Insight

See Your Business Performance


  • Monitor your cash flow throughout the month and year
  • Quickly view your total incoming and outgoing cash to see your cash position 

Plan for What's Coming


  • Schedule payments online and see how they impact your projected balance
  • Know about your cash shortfalls ahead of time and take action by scheduling bill payments, sending invoice reminders, and making transfers

Track Your Expenses


  • See where you're spending your money and compare to prior months
  • Analyze your checking and credit card transactions by business category

Plan & Manage

Key Features & Benefits of Cash Flow Insight Base[1]

Forecast and Plan

  • Visualize the impact of your actual and projected transactions.
  • Manage your short-term forecast and set a threshold to identify potential shortfalls.
  • Scenario plan for this year and next year, track how you're doing, and build future plans to achieve your goals.
  • Compare your cash position month to month and year over year.

See Expenses on the Go

  • Track Spending activities for all of your PNC business checking accounts and PNC business credit cards.
  • View Spending by Business Category, month over month.
  • Monitor employee spending through their business checking and business credit card expenditures.
  • Track and export your business checking and business credit card transactions for business purposes and financial planning.

Forecast Credit Card Statement

  • Cash Flow Insight will automatically forecast your PNC Business Credit Card payment when your statement is available
  • Set up your preference to forecast minimum due, statement balance, or an amount of your choice.

Try Cash Flow Insight at No Cost for up to 60 Days.

Get Started »

Pay & Get Paid

Add-On Features & Benefits[2,3]



  • Clear bills from your desk with online document management and unlimited storage.
  • Manage payment decisions with organized approval processes.
  • See the impact to your cash flow with each payment decision.
  • Connect with your vendors online and pay them electronically.


  • Spend less time creating invoices with customized templates.
  • Know your cash position with each invoice and scheduled payment.
  • Get paid online through a website branded with your logo.
  • Stay connected with customers through auto-reminders and online messaging.

Secure Payments

  • Pay any vendor via ACH.
  • No need to share bank information, invite your vendors to join the payment network.
  • Or, we can print and mail a check for you – masking your account information with positive pay review built in.


  • Customize or choose a pre-set invoice template.
  • Set up recurring invoices and automatic reminders.
  • Customers can authorize you to automatically charge their bank account or credit card with PNC Merchant Services® integration.


  • Set up users to route bills for approval, set up approval policies, and review & approve bills online.
  • Email notifications are sent when bills are ready to be approved and when ready to pay.

Branded Payment Portal

  • A branded payment website allows your customer to see their invoice history, make payments, view shared documents, and send messages.
  • Customers can review and pay invoices from any device and set up auto-pay for recurring invoices.

Accounting Software Sync

  • Save time by syncing vendor, customer, bill, invoice and payment information between Cash Flow Insight and your accounting software like QuickBooks®, Xero®, Intacct®, NetSuite® and more.[4]

Document Management

  • Store bills, receipts, contracts, photos, or other business documents and access conveniently, all in one place.
  • Organize documents by vendor, customer or within folders.
  • Email, scan and upload, or drag & drop documents from your computer to your document inbox.


Discover the Best Online Experience for Your Business

Online Banking & Bill Pay

Cash Flow Insight

Cash Flow Insight
with Payables Receivables

Compare Online Experiences

Frequently Asked Questions

Get Started

Already Using PNC Online Banking?

Login to Online Banking and select Business Tools to add Cash Flow Insight to your Business Checking experience.

Login & Enroll »

Schedule an Appointment

Pick a time that is convenient for you to talk to a cash flow expert.

Schedule a time »

Call us

Speak with a Cash Flow Insight consultant.
Mon-Fri. from 8:00 a.m. to 9:00 PM ET.


News & Insights

Insights and ideas to help you get the most out of your day and keep your business moving forward.

Manage Business Finances

Adapt and Accelerate Your Business - Webcast

Hear how other businesses have applied these insights to maximize their business in the new operational reality, and think through how to do the same.

47:35 min video

Manage Business Finances

How to Stay Viable in Uncertain Times - Webcast

Gain applicable tips for forging new business relationships, overcoming operational challenges and gaining control of your cash flow.

55:38 min video

Manage Business Finances

Business Resiliency in Today's Economy - Webcast

Looking ahead to define what the new normal might mean for your business can be tough to navigate, as new priorities and customer needs change how you run your business.

58:47 min video

Associated Products & Services

Small Business Checking Accounts

Every business needs a good foundation, starting with a PNC business checking account. Browse our accounts and use our selector tool to find the account that fits your business needs.  

Browse Accounts »

PNC Business Credit Cards

Points. Travel Rewards. Cash Rewards. Lower Rates. No matter what you're looking for in a card, we've got you covered.

Learn More »

PNC Merchant Services®

We help you streamline incoming payments by providing solutions for authorizing, clearing and settling credit and debit card transactions.

Learn More »

Important Legal Disclosures & Information

  1. Additional fees may apply. Eligibility based on Customer’s checking relationship. Customers with a Business Checking Plus account have access to Cash Flow Insight (not including the additional tools: Payables, Receivables, and Accounting Software Sync) at no monthly fee for all of their eligible PNC business checking accounts in Online Banking. All other eligible accounts are subject to a $10 Cash Flow Insight Fee. This $10 fee is waived if you are enrolled in any combination of Payables, Receivables, or Accounting Software Sync.

  2. Additional fees apply. Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and  Accounting Software Sync) will result in monthly subscription fees starting at $15. Transactions and additional user fees may apply. The $10 fee for Cash Flow Insight is waived if you are enrolled in any combination of Payables, Receivables, or Accounting Software Sync.

  3. Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.

  4. Your Receivables and/or Payables data within Cash Flow Insight can sync with the following supported accounting software: QuickBooks® for Windows, QuickBooks® Online, Intacct®, NetSuite® and Xero®. There is a fee for this syncing service. Users of other accounting software, such as Sage 50 and Microsoft Dynamics® GP, can use the import/export functionality within Cash Flow Insight at no additional cost. Must sign up for this service. Standard message and data rates may apply.

* Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. Free trial offer is valid for Cash Flow Insight for 30 days beginning with enrollment in Cash Flow Insight. The monthly and transaction fees for the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync) are waived for 60 days beginning with enrollment in any combination of the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync). One offer per customer per experience (Cash Flow Insight and additional tools (Receivables, Payables, and Accounting Software Sync).   For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit  Offer may be extended, modified or discontinued at any time without notice and may vary by market.  No purchase necessary. See full offer disclosure.

Account statements may be accessed up to 7 years on deposit accounts and up to 48 months on credit cards. Online statement history will not be available for accounts that have been closed.  A fee may be charged if a paper statement is requested in addition to the online statement for an account.

Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc.

Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.

All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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