Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc.
Analysis Business Checking
For businesses who want multiple checking accounts and earnings credit for all balances.
Features & Benefits
The solution that helps you simplify things by linking multiple checking accounts for easier bookkeeping, where you pay for the banking services you use.
Receivables[1]
Manage what's coming in, create invoices, and keep an electronic archive of invoices - all in one place.
Offset Account Fees
An Earnings Credit can be applied to reduce or offset a monthly account maintenance fee and certain transaction fees.[2]
Treasury Management to Fit Your Business
Designed to work as part of a suite of PNC tools to best serve your business.
- Checking that can pay for itself - Earnings Credit on deposit balances help reduce or offset the cost of banking services[2]
- Save money - Pay only for the banking services you use each month
- More online banking options – Free Online Banking and Bill Pay[3] or for a more critical level of account information, move up to PINACLE for enhanced detail and more options (fees apply)
- Simplify your account management - Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
- No charge for Online Statements, or get Paper Statements for a small fee
- No ATM transaction fees at PNC Bank ATMs and non-PNC Bank ATMs[4]
- Free PNC Bank Visa® Business Debit Card
- No annual Fee Visa® Business Credit Card[5]
- Optional Check Safekeeping
- PNC Purchase Payback® [6]– Earn cash back for purchases at some of your favorite places.
Not sure if Analysis Business Checking is right for you? Compare features with other PNC business checking accounts
Reduce the Monthly Fee
Ways to reduce: $25 Monthly Account Maintenance Fee which can be reduced or offset by an Earnings Credit applied towards your monthly account maintenance fee and certain transaction fees.[2]
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Monitor & Project Cash
- Online Banking & Bill Pay - Free online access to deposit and loan account balances, activity and recent history, paid check and deposit ticket images, transfer funds between PNC deposit and loan accounts, and pay or receive business bills electronically.[3]
- Cash Flow Insight®[7]: Tools and insights to help operate your business confidently. Monitor, plan and budget your spending with business transaction categorization in Expense and Income Report, get a calendar view of your posted and upcoming transactions with Calendar, plan for the future by comparing it to past performance with Trend, and forecast the money your expect to receive and payments you expect to make with Pay and Get Paid. Cash Flow Insight is included with all eligible business checking accounts.
- Overdraft Protection - Get optional overdraft protection for this account from a qualified PNC Business deposit account, PNC business credit[5] card or PNC Bank Small Business Line of Credit[8]
- PINACLE® offers access to cash position information and to the treasury management tools to move your business forward. With a single sign-on, PINACLE offers time saving tools that can help you work more productively and make better business decisions.
Improve Payment Practices & Accelerate Receivables
- Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.[1]
- Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.[1]
- 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.[1][9]
- PNC Bank Visa® Business debit card - Save money when you reduce the number of checks you need to buy and write.
- PNC business credit card [5]- No Annual Fee. Use your card to make payments and keep better track of your expenses.
- PNC Merchant Services® [10] Next business day funding [11]on payment processing transactions when deposited to your PNC business checking account.[12]
- PNC Remote Deposit [13]- PNC offers a choice of remote deposit solutions for businesses that are convenient and easy to use, and can help you optimize your cash flow. Deposit checks, day or night, without leaving your business.
How to Apply
We know you’re busy.
We offer more ways to apply to make it easy to get started.
- Ways to Apply
- What You Need to Apply
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Choose Your Business Entity Type
Determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:
You may also want to review our current Service Charges & Fees before applying.
Need Help Finding the Account that Fits Your Business?
Have Questions?
We're here to help.
Enrollment in any combination of Pay Receive Sync will result in monthly subscription fees. Transactions and additional user fees may apply. Pay Receive Sync functions and data are only available for as long as enrollment in the service is maintained.
The earnings credit rate on Analysis Business Checking or Treasury Enterprise Plan accounts is subject to change without notice. Please call 877-BUS-BNKG (877-287-2654) for current rate and balance tier information or for an example of how the earnings credit is applied to the balances in your account.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the Digital Services Agreement.
The fee for cash deposited at an ATM is still applied.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer. See PNC Purchase Payback Rewards Program Terms and Conditions for additional details and limitations.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. Pay Receive Sync are available for enrollment exclusively within PNC Online Banking. The monthly and transaction fees for the Pay Receive Sync are waived for 60 days beginning with enrollment in any combination of Pay Receive Sync. Fee waiver period is offered to each customer one time only in a single continuous set of 60 days for Pay Receive Sync (any combination of the three tools).
For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit pnc.com/cashflowinsight. Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.
All loans, lines of credit and PNC Bank credit cards are subject to credit approval. Requires automatic deduction from a business checking account. Other fees and charges may apply. May be subject to a property appraisal.
Your Payables and/or Receivables data within Pay Receive Sync 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 Pay Receive Sync at no additional cost. Must sign up for this service.
Merchant Services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
Except as is otherwise set forth in your agreement for payment processing with Tempus Technologies, Inc., your funds for card transactions will ordinarily be transferred to your PNC business checking account within two business days from the time your batch (an electronic file containing your card transactions) is received. If a batch is received after the cut-off time, or on a day that is not a business day, those transactions will generally be processed on the next business day. Business day means Monday through Friday, excluding Federal holidays.
A qualifying deposit is an electronic deposit made directly into this checking account by PNC of funds associated with your Merchant Account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement. Eligible Merchant Account means an active merchant payment processing account with PNC Merchant Services® Company or Tempus Technologies, Inc., Subsidiaries of PNC Bank N.A., including PNC Mobile Accept®.
Eligibility for Remote Deposit is subject to bank approval and requires a PNC business checking account. Funds may not be available for immediate withdrawal. Please refer to your Remote Deposit Service Agreement and applicable funds availability policy for your PNC business checking account to determine when your funds will be available.
QuickBooks® is a registered trademark of Intuit®, Inc.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC Mobile Accept and Mobile Accept are registered marks of The PNC Financial Services Group, Inc.
Tempus Technologies is a registered mark of Tempus Technologies, Inc.
All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.
Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.
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