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. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. 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 (Receivables, Payables, and Accounting Software Sync). 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.
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.
Cash Flow Insight®[1,9] Receivables
Manage what's coming in, create invoices, and keep an electronic archive of invoices - all in one place.
Offset Account Fees
An Earnings Credit is 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[3,4], or for a more critical level of account information, move up to PINACLE® Express or 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[5]
- Free PNC Bank Visa® Business Debit Card
- No annual Fee Visa® Business Credit Card[6]
- Optional Check Safekeeping
- PNC Purchase Payback®[7] – 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
Business Checking Account Selector Tool
Use this tool to compare PNC's business checking accounts side-by-side and find one that fits your business needs.
Pricing
What you need to know.
Required Minimum to Open: $100
Monthly Account Maintenance Fee: $25*
*Then, pay per-item fees for the activity levels and services your business actually uses. An Earnings Credit is applied to reduce or offset a 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.[3,4]
- Cash Flow Insight®[1]: Tools and insights to help operate your business confidently. Monitor, plan and budget your spending with business transaction categorization in Spend Analysis, get a calendar and graphical view of your upcoming transactions and balances with Timeline, plan for the future by comparing it to past performance with Trend, and forecast the money you expect to receive and payments you expect to make with Cash In and Cash Out. Cash Flow Insight is included with all eligible business checking accounts.
- Overdraft Protection - Get optional overdraft protection for this account from a qualified PNC Bank Premium Business Money Market Account, a PNC business credit card[6] or PNC Bank Small Business Line of Credit.[8]
- PINACLE® Express offers access to cash position information and to the treasury management tools to move your business forward. With a single sign-on, PINACLE® Express offers time saving tools that can help you work more productively and make better business decisions.
Improve Payment Practices & Accelerate Receivables
- Cash Flow Insight® – Payables[9]: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.
- Cash Flow Insight® – Receivables[9]: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.
- Cash Flow Insight® – Sync[9,10]: 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.
- 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[6] - (excludes PNC BusinessOptions® Visa Signature® ) No Annual Fee. Use your card to make payments and keep better track of your expenses.
- PNC Merchant Services® [11]- Next business day funding[12] on payment processing transactions when deposited to your PNC business checking account.[13]
- PNC Remote Deposit[14] - 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.
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:
- SSN of owner who will sign on the account
- Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- SSN of partners who will sign on the account
- Partnership Agreement
- Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of members, managers or partners who will sign on account
- Operating Agreement
- Limited Partnership Agreement (LLP only)
- Certification of Formation/Organization (LLC) or Certificate of Limited Partnership (LLP)
- Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of officers or directors who will sign on account
- By-laws
- Articles of Incorporation and any amendments
- Certification of Formation/Organization
- Board of directors meeting minutes (signed and dated).
- Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of officers or directors who will sign on the account
- By-laws
- Certification of Formation/Organization
- Board of directors meeting minutes (signed and dated)
- Authorization letter on company letterhead
- Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed name Registration.
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- Review the entity type above associated with your Non-Profit Organization to determine which documents to provide (Partnership, LLC, Corporation)
- A 501(c) tax form or state Non-Profit registration may be needed for certain product eligibility
You may also want to review our current Service Charges & Fees before applying.
To start your application, please call us at 1-855-762-2365 between the hours of 8:30 a.m. and 8:00 p.m. ET, Monday through Friday.
Have Questions?
We're here to help.
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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.
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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 PNC Online Banking Service Agreement.
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Online Bill Pay is a free service within PNC Online Banking to residents within the US, a qualifying checking account to use this service. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
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The fee for cash deposited at an ATM is still applied
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Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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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.
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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
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Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees starting at $20. Transactions and additional user fees may apply. Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.
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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.
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PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc. Merchant Services are not deposit products. PNC Merchant Services does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are provided by PNC Merchant Services Company and are subject to application, credit review of the business and its owners, and approval.
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Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.
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A qualifying PNC Merchant Services processing deposit is an electronic deposit made by PNC Merchant Services directly into this checking account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement.
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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. PNC provides at no extra cost a single-feed scanner, and length of use may be extended, modified, or withdrawn at any time without notice, and may vary by market. Customers may also choose to purchase a non-PNC provided, compatible, multi-feed scanner. Monthly fees may apply. If service is cancelled within six months of enrollment, an early termination fee of $225 may be applied. Regardless of when service is cancelled, the scanner must be returned. Please refer to your Remote Deposit agreement for full details
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. U.S. Patent Nos. 10,402,910, 9,965,808, and 11,074,660, and other patents pending.
All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.
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 BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
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.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.