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Savings & Liquidity Management
For business cash that's not needed for your day-to-day operations
PNC Business Banking can provide money market demand accounts, sweep accounts, or certificates of deposit to help ensure your hard-earned money is working for you until it's needed.
Save for Planned Expenses or Create an Emergency Fund for Unplanned Expenses
PNC offers a variety of accounts to help you build cash reserves for your business.
Premium Business Money Market Account
Our Premium Business Money Market account offers interest-earning potential in one convenient account, with tiered rates based on account balances, your interest rates can increase as your balance grows.[1]
Put your excess operating cash to work for your business. You’ll continue to have easy access to your funds via your PNC Bank branch, ATM, check or online transfer.[2] Plus, you’ll have the security of knowing that your funds are insured by the FDIC up to the maximum allowed by law.
Features and Benefits
- Increase earnings - Put excess operating cash to work for your business until needed
- Easy access - More ways to get your cash when you need to - make a withdrawal at a PNC Bank branch or ATM, make an online transfer or write a check[2] - it's up to you
- Tiered rates - Earn a variable interest rate based on your daily account balance. Contact us for current rates and tiers at 855-762-2365.
- Up to six transactions paid per month drawn on this account are allowed by federal regulation[2]
- Easy to use day or night online access to account balances and activity plus same-day transfers to or from your eligible PNC Business or Personal deposit accounts[2]
- Funds insured by the FDIC up to the maximum allowed by law
Ways to Avoid Monthly Account Maintenance Fee
No monthly account maintenance fee if you maintain a minimum average monthly collected balance of $2,500.
Otherwise, the monthly account maintenance fee is $12.
Minimum amount to open account: $100
Ways to Apply
- By phone: 855-762-2365 (Mon – Fri: 8 a.m. – 6 p.m. ET)
- In person at a branch
How Will My Savings Grow Over Time? Use our calculator.
Looking for how much you need to save to achieve your goals? Use our calculator to estimate how your business savings could grow over time.
Business Sweep Checking
A Business Sweep account can be a smart business choice if your checking account balance typically significantly exceeds your daily operating expenses. At the close of each business day, excess cash above a specified balance is automatically transferred, into an interest earning account[1] where they stay invested until needed in the checking account. Sweep funds are automatically transferred back into the checking account as needed to maintain the account at the specified balance.
Increase your returns on idle cash balances and make your money work for you
Business Sweep Checking automatically links your checking account to an FDIC-insured PNC money market deposit account. PNC Bank's Business Sweep Checking is an automated cash management tool that can help you make the most of your idle cash. You can manage daily liquidity and enjoy immediate access to investment balances.
Establish a maximum and minimum target balance in your checking account. On a daily basis, balances above your pre-determined maximum target balance are swept into your money market deposit account. As transactions are posted and your checking account balance falls beneath your specified minimum target balance, funds are swept from the money market deposit account back into your checking account.
Business Sweep Checking enhances your earning power on idle cash balances while facilitating instant liquidity. A statement of sweep activity is included with your checking account statement.
Learn more about PNC Bank's Business Sweep Checking »
Contact Us
For more details, or help deciding if a Sweep service is right for your business, contact a PNC Business Banker near you or call 855-762-2365 (Mon – Fri: 8 a.m. – 6 p.m. ET).
Certificates of Deposits
If your business has cash on hand pegged for future business use, and you don't need immediate access to the funds for unexpected expenses, put them to work for you earning interest for your business.
Certificates of Deposit (CDs) are bank issued interest-bearing deposits that are FDIC-insured up to legal limits. With CDs, you generally earn higher rates than with other savings products depending on the length of time your money can remain on deposit. You cannot make early withdrawals without an interest penalty, and you cannot write checks against the balance.
Variety of Terms
PNC offers CDs with a variety of maturity terms, ranging from several days to several years, to match the time your cash is investable. Use CDs as a cash flow management tool to get the most from the funds you have, while you have them.
Wide Range
Businesses come in all sizes. So do Certificates of Deposits. When you're ready to invest $1,000 or more, there's a PNC Bank CD for your business.
Reinvestment Options
When your CD nears maturity, you'll have the opportunity to reassess your cash flow needs and decide the best next course to take. Let the funds automatically reinvest for the same maturity term at the new renewal rate, reinvest for a different term that better fits your current cash flow needs, or have your proceeds deposited into your PNC Bank business checking account or Premium Business Money Market Account for immediate use. It's easy to let us know what works best for you.
Contact Us
For information and current rates on PNC Bank Certificates of Deposit, call us at 855-762-2365 (Mon – Fri: 8 a.m. – 6 p.m. ET).
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Associated Products & Services
Important Legal Disclosures and Information
See our Business Checking Accounts and Related Charges disclosure for further information.
Federal regulations prohibit you from making more than a total of six transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market savings account to a business checking account and will be subject to the features and fees as described in the Business Checking Account and Related Charges in effect at that time. See our Business Banking Account Information — Business Checking Accounts and Related Charges disclosure at pnc.com/accountservices for further information.
Banking 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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