Get Started with Business Banking

Tools to Help Manage Your Cash Flow More Efficiently

Bank when and where you want with Online Banking, Cash Flow Insight®, Mobile Banking, Alerts, and Online Bill Pay.

 

Enroll in Online Banking

Enroll your eligible accounts in Online Banking[1] to view your activity! To get started, make sure you have the following:

  • Employer Identification Number (EIN) or Social Security Number (SSN)
  • PNC Online Banking PIN – received by mail approximately 8 days after account opening
  • PNC business checking account number

Did you know?   

The Online Banking Security Pledge and Bill Pay Guarantee is one of the many services PNC offers through PNC Security & Privacy to help protect you from fraud and identity theft.

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Cash Flow Insight℠

Get more from your online experience by using Cash Flow Insight to help forecast and plan your cash flow decisions.  Cash Flow Insight is integrated with all of the key features of PNC Online Banking – Online Bill Pay, Transfers, Account Activity, Alerts – and gives you access to our Timeline and Trend tools. You can also track spending activities by business categories for your PNC business checking and all your PNC business credit cards.

Did you know?

You can enhance your Cash Flow Insight experience by including the Payables and/or Receivables tools.

  •  Payables: Store bill documents online, route bills for approval, and connect with your vendors to pay electronically.
  •  Receivables: Send invoices and get paid online through a website branded with your logo.

Then, save time by automatically syncing your data with accounting software like QuickBooks®, Xero®, Inacct®, NetSuite® and more.[2]

Enhance Cash Flow Insight with Payables, Receivables, and Accounting Software Sync at no cost for the first 60 days[3].
Get Offer Details »

How to enroll in Cash Flow Insight:
New customers to Online Banking are automatically enrolled in Cash Flow Insight for a free trial period[3]. If you are not enrolled in Cash Flow Insight already, select the Cash Flow Insight banner on the business checking Account Activity screen and choose the Cash Flow Insight experience that is right for your business. A business checking account and enrollment in Online Banking are required to enroll.

Download the PNC Mobile App

Stay on the move while you check balances, pay bills, and receive mobile alerts. Our mobile app also allows you to transfer[4] and add funds with Mobile Deposit when and where you want – no need to visit a branch.

Did you know?

The PNC Mobile App is available for a wide range of supported devices. It’s convenient to use and the app is absolutely FREE [5].

Download the PNC Mobile App:

    

Set Alerts

Tell us the notifications you want and if you prefer email or text. You can set alerts[6] to get daily balances, see deposit and payment activity, and monitor card transactions. Choose to get faster notification of overdrafts, and receive security alerts about other important activity.

Did you know?

You can keep business partners informed of account activity by adding their email addresses and mobile numbers to your Alerts.

How to Set Alerts:
Login to Online Banking and select the “Alerts” tab to set your preferences for notifications.

Pay with Online Bill Pay

Manage, pay and receive bills all from a single, secure site. Schedule your cash out in just minutes! Enrollment is required before using Online Bill Pay [7].

Did you know?

Online Bill Pay is free and flexible. Set payments for the next day or schedule them months in advance. It’s up to you.

How to enroll in Online Bill Pay:
Login to Online Banking and select the “Pay Bills” tab. Have your business and account identification information ready to create your payees.

Associated Products & Services

Switching Made Easy

Once your new business checking account is opened, it's time to switch over recurring payments, notify contacts & close old accounts. The PNC Quick Switch Kit guides you through the process with tips & templates.

Learn More »

Remote Check Deposit Solutions

Enhance your PNC experience! With DepositNow you can process receivables faster and deposit checks into your PNC business checking account, any time of the day or night. It’s easy – simply scan, transmit and deposit.

Learn More »

PNC is Always Open for Your Business

PNC is making it easy for you to bank how and when you want to, providing solutions that enable you and your business to bank on your terms.

Learn More »

Important Legal Disclosures and Information

  1. 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.

  2. 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®. 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.

  3. Eligibility based on Customer’s checking relationship and whether or not they have experienced Cash Flow Insight or Cash Flow Insight with Payables, Receivables, and Accounting Software Sync (in any combination of the three tools) before.  Customers with a Business Enterprise Checking, Industry Solutions Checking, Business Checking Plus, or Business Checking Preferred account have access to Cash Flow Insight (not including the additional tools: Payables, Receivables, and Accounting Software Sync) at no monthly fee for all of their eligible PNC business checking accounts in Online Banking.

    Free trial and fee waiver periods are offered to each customer one time only in a single continuous set of days: 30 days for Cash Flow Insight and 60 days for Cash Flow Insight with Payables Receivables and Accounting Software Sync (any combination of the three tools). Offers may be extended, modified or discontinued at any time without notice and may vary by market.

    Cash Flow Insight 30 day risk free trial includes enrollment in Cash Flow Insight for 30 consecutive calendar days starting the day after the customer enrolls.  Enrollment is automatic for first time users of PNC Online Banking with eligible business checking accounts. At the end of the 30 calendar day period, the customer will be prompted to choose the online experience which best suits their business needs.  If the customer chooses not to make a selection within 7 days of the end of the 30 day period, the customer will be moved to PNC’s standard Online Banking experience and will not have access to Cash Flow Insight without enrolling for the service. Following your trial period, if you choose to remain as a customer of Cash Flow Insight, you will be charged on a monthly basis for the tool(s) you are enrolled in and the transactions completed using the tool(s). If you do not want to continue with Cash Flow Insight, or any of the additional tools, you may opt out of Cash Flow Insight, or opt out of an additional tool or tools, on your Preferences page within Cash Flow Insight.

    Cash Flow Insight with Payables, Receivables and Accounting Software Sync’s 60 day fee waiver includes Cash Flow Insight, any combination of the three tools (Payables, Receivables, and Accounting Software Sync), additional sub-users, and transaction-based fees for Cash Flow Insight transactions that occur during the 60 day fee waiver period. Following the fee waiver period, unless you terminate the services, you will be charged the monthly subscription, additional user, and transaction fees on your next applicable statement.  Please note Cash Flow insight Payables, Receivables, and Accounting Software Sync charges are billed a month in arrears - for example June subscription and transaction fees are part of your July statement.

    Following enrollment, you can change your enrollments or the account to be charged (service fee account) by visiting the Preferences page, which can be accessed via the gear icon on the right side of the Cash Flow Insight toolbar or by selecting the choose your experience link from the yellow bar available on screen during any free trial or waiver period.

    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®. 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.

    The graphs and tables in Cash Flow Insight include customer added information. Therefore, PNC does not represent the information presented is accurate and is not liable for any reliance placed on the materials presented. Cash Flow Insight is provided for informational purposes only.

  4. 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 or 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.

  5. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  6. PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

  7. Online bill pay is 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.

All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

Offers, products and pricing subject to change.

Apple, and iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone is a trademark of Apple Inc.

Android and Google Play™ store are trademarks of Google Inc.

Cash Flow Insight is a service mark of The PNC Financial Services Group, Inc.

All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Bank deposit products and services provided by PNC Bank, National Association (N.A.). Member FDIC