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Treasury Enterprise Plan
For businesses with higher cash deposit and transaction needs.
You have more volume and variety in your transactions and want more tools to help track and manage cash flow. You want easier booking for multiple checking accounts, or a sweep account to earn interest on excess balances.
Still not sure which account?
Earn $200
when you open a qualifying PNC business checking account by 09/30/19.
It's Easy to Get Started. Apply Online or Request a Coupon to Apply at a PNC Branch.
The Treasury Enterprise Plan is a Business Banking and Treasury Management checking services package for Analysis Business Checking accounts.
Features and Benefits
Higher Limits
More combined transactions and cash deposited activity without charge.Avoid Monthly Account Maintenance Fee
Let a PNC Banker show you product features that help avoid the monthly maintenance feeTreasury 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 services 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
- Up to 4 additional business checking accounts. The monthly average collected balance, transaction, and cash deposited volumes are aggregated for the master and the 4 additional accounts to determine total maintenance fee, transaction and cash deposit fee amounts.
- Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
- Two investment options for excess cash: Premium Business Money Market account or Business Sweep account with no monthly account maintenance fee
- More online banking options – Free Online Banking[1] and Bill Pay[2]. For a more critical level of account detail, reporting and options, move up to PINACLE® Express or PINACLE®. PINACLE Express base is included at no charge.
- No charge for online or paper statements
- No ATM transaction fees at PNC Bank ATMs
- No set-up fee for Overdraft Protection
- Free Visa® Business Debit Card
- Earn cash with PNC Purchase Payback®[3] for making everyday purchases
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Pricing
Required Minimum to Open: $100
Monthly Account Maintenance Fee: $50
No monthly account maintenance fee for the first three statement cycles.
How to Avoid Monthly Account Maintenance Fee:
Maintain $30,000 in combined accounts*
*Average Monthly Collected Balance is combined for the master and up to 4 additional business checking accounts.
Account Balance Fee: Varies
Assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit.
Earnings Credit:
An earnings credit[4] is applied only to the average monthly collected balances in excess of $50,000 to reduce or offset the monthly account maintenance fee, account balance fee and certain transaction fees.
View complete Business Checking Account and Related Charges »
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Accelerate Receivables
- 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, all for $15 per month.
- PNC Merchant Services®[5] - Next-day funding[6] on payment processing transactions when deposited to your PNC Analysis Business Checking account.[7]
Improve Payment Practices
- 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.
- Cash Flow Insight℠ – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically and sync with your existing accounting software[9], all for $15 per month.
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.[1,2]
- Cash Flow Insight℠ – Base (Spend Analysis Timeline, Trend, Cash In, Cash Out) Make more informed financial decisions and turn seeing into doing, for $10 per month.
- Cash Flow Insight℠ – Spend Analysis: When you enroll in Cash Flow Insight℠ our Spend Analysis tool will automatically assign business categories to your posted PNC business checking account transactions. This will help you monitor where you and your employees are spending and plan and budget for future business needs.
- 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.
- By phone: 1-855-762-2365 (Mon - Fri: 8 a.m. – 6 p.m. ET)
- In person at a branch
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
What you need to take to the branch:
- Your business's Tax Identification Number
- 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
- 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
- SSN of officers or directors who will sign on account
- By-laws
- Certification of Formation/Organization
- Board of directors meeting minutes
- 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.
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 if you have any questions.
Associated Products & Services
Important Legal Disclosures & Information
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.
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.
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.
Next-day funding on card transactions processed by PNC Merchant Services when deposited into a select PNC Bank business checking account. Certain restrictions may apply.
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.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Cash Flow Insight is a service mark of The PNC Financial Services Group, Inc.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PINACLE® is a registered trademark of The PNC Financial Services Group.
Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association (N.A.), a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.
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