Treasury Enterprise Plan
For businesses with higher cash deposit
and transaction needs.
Features & Benefits
The Business Banking and Treasury Management package for your Analysis Business Checking account for optimal money management.
Avoid Monthly
Account Maintenance Fee
Speak to a PNC Banker to learn more about product features that help avoid the Monthly Account Maintenance Fee.
Treasury Management to
Fit Your Business
Designed to work as part of a suite of PNC tools to best serve your business.
- The Treasury Enterprise Plan is a Business Banking and Treasury Management checking package for Analysis Business Checking accounts.
- No charge for up to 2,500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received
- $50,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge
- The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts. You have the option to add more than four beneficiary accounts for an additional $10.00 Monthly Account Maintenance Fee for each beneficiary account over four. The monthly average collected balance, transaction, and cash deposited volumes are aggregated for the master and all beneficiary accounts to determine Earnings Credit, Master Monthly Account Maintenance Fee, transaction, and cash deposit fee amounts.
- Link multiple PNC Bank business checking accounts together to help consolidate balances, simplify bookkeeping and service charges
- An earnings credit[1] is applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.
- Two investment options for excess cash: Premium Business Money Market account or MMDA Sweep with no Monthly Account Maintenance Fee
- More online banking options – Free Online Banking[2] and Bill Pay[3]. For a more critical level of account detail, reporting and options, move up to PINACLE® Express or PINACLE®.
- No charge for online or paper statements
- No ATM transaction fees at PNC Bank ATMs
- No set-up fee for Overdraft Protection
- Free PNC Bank Visa® Business Debit Card
- Earn cash with PNC Purchase Payback®[4] for making everyday purchases
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Not sure if Treasury Enterprise is right for you? Compare features with other PNC Business Checking Accounts.
Earn a $500 Cash Reward
When you open a Treasury Enterprise Plan
by 12/31/22 and maintain a minimum average
cycle balance of $30,000 for each of the first
three statement cycles.
How to Offset the Monthly Account Maintenance Fee:
Each month the PNC business checking account will be automatically reviewed to see if it qualifies for an account maintenance fee offset by meeting the condition below:
Maintain $30,000 in combined accounts*
* Average Monthly Collected Balance is combined for the master and all additional beneficiary business checking accounts.
View complete Business Checking Account and Related Charges »
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. Choose Your Account »
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Monitor and 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.[2,3]
- Cash Flow Insight®[5]: 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.
- PINACLE Express® offers access to cash position information and to the treasury management tools needed 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 and Accelerate Receivables
- Cash Flow Insight® – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.[6]
- Cash Flow Insight® – Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.[6]
- Cash Flow Insight® – 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.[6,7]
- 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[8]: No Annual Fee. (Excludes PNC BusinessOptions® Visa Signature®). Use your card to make payments and better track your expenses.
- PNC Merchant Services®[9]: Next business day funding[10] on payment processing transactions when deposited to your PNC Analysis Business Checking account.[11]
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.
To start an application, we will need:
- Your business's Tax Identification Number
- A valid e-mail address if applying online
- Access to a printer if applying online (optional)
What you need to take to the branch:
- A government-issued photo ID and secondary form of identification from either of the primary or secondary ID lists below:
Two forms of primary ID, or one form of primary ID and one of secondary ID can be used.- Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card
- Secondary ID: US Visa, Paystub, home rental agreement, utility bill, major credit/debit card or vehicle registration
- Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card
- Documents verifying your business registration and your authority to act on behalf of and control, manage, or direct the business
Choose your business entity type to determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:
Sole Proprietorship
- SSN of owner who will sign on account
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
Partnership
- SSN of partners who will sign on 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
LLC or LLP
- 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
Corporation
- 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
Unincorporated Association / Organization
- SSN of officers or directors who will sign on 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
Non-Profit Organization
- 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 8:00 a.m. and 6:00 p.m. ET, Monday through Friday.
Have Questions? We're Here to Help.
Call 1-877-BUS-BNKG »
(1-877-762-2365)
Associated Products & Services
Important Legal Disclosures & Information
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 PNC Online Banking Service Agreement.
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.
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.
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.
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.
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.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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 subject to application, credit review of the business and its owners, and approval.
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.
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.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
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 and 9,965,808, and others patents pending
QuickBooks® is a registered trademark of Intuit®, Inc.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
All other trademarks are the property of their respective owners.
Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. 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.
