Get Started With Easy Business Banking Options

Tools to Help Manage Your Cash Flow More Efficiently

 

Bank when and where you want at a time that's right for you.  

Online Banking

Save Time and Access Account Management Tools

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

PNC Online Banking & Bill Pay

Save time, save money, with the convenience and security of PNC Online Banking and Bill Pay. Enjoy the efficiency of managing your cash flow when you want and where you want.

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

Cash Flow Insight®

Manage Your Business’s Cash Flow with Efficiency, Control & 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 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 pay vendors securely without the need to share bank information.
  • 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®, QuickBooks Online®, Xero®, Inacct®, NetSuite® and more.[2]

A business checking account and enrollment in Online Banking are required to enroll.

Enroll in Online Banking

Already enrolled? Login Now »

How to enroll in Cash Flow Insight:

New customers to Online Banking are eligible to enroll in Cash Flow Insight for a free 30 day trial period[3]. Don't miss out on your free trial period to see how well it could work for you.

Enhance Cash Flow Insight by adding Payables, Receivables, and Accounting Software Sync at no cost for the first 60 days[3].
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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.

PNC Mobile App

Download the App to Get Started

Stay on the move while you check balances, view pending and posted transactions, pay bills, and receive mobile alerts. Our mobile app[4] also allows you to transfer funds[5] and make check deposits with Mobile Deposit when and where you want – no need to visit a branch. The Cash Flow Overview shows you your monthly net cash position of your business checking account, and with Cash Flow Insight® enrollment you can view your spending by business category.

If you prefer to visit a branch or ATM, check out our PNC locations.

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 [4].

Download the PNC Mobile App:

    

Alerts

Get Fast Notifications of Account Activity to Keep You in Charge of Your Acount

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.

Online Bill Pay

Get Enrolled to pay and receive bills in a single site.

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.

Enroll in Online Banking

Already enrolled? Login Now »

PNC Remote Deposit

Get Paid Faster Without More Trips to the Bank.

Start depositing customer checks from your business location — and stop wasting time running to the bank. PNC Remote Deposit is easy to use and connects seamlessly with your PNC business checking account[8].

Did you know?

  • You can save time by making check deposits without having to go to the branch.
  • Use our no-cost single feed remote deposit desktop scanner[9] or compatible mobile device[10] to deposit checks from wherever you are.
  • Customers can access and apply for PNC Remote Deposit directly through PNC Online Banking.

A PNC business checking account and PNC Online Banking are required to use this service. Not all accounts or account types may be eligible for PNC Remote Deposit. Eligibility for PNC Remote Deposit is subject to bank approval.

Apply for PNC Remote Deposit

Already enrolled? Login Now »

Your application can take up to five business days for a decision. We may be in contact, if needed, to gather more information to finalize your application.

How to apply for remote deposit service through PNC Online Banking

Once approved, businesses will be sent their scanner hardware. Instructions for installing your scanner and getting started are included in the Users' Guide.

  1. Sign in to PNC Online Banking.
  2. Click the Business Tools tab. The Business Tools Summary will appear.
  3. Click Enroll Now on the PNC Remote Deposit tile.
  4. This opens the How it Works page. The PNC Remote Deposit product overview will display.
  5. From the How it Works page, click on Begin Enrollment to start the application. Follow the on-screen instructions.

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 »

PNC Merchant Services®

We help you streamline incoming payments by providing solutions for authorizing, clearing and settling credit and debit card transactions.

Learn More »

Are You Just Starting Up a Business? 

Explore our useful tips, tools, calculators, as well as key business solutions to help get your small business off the ground.

Browse our Resources »

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®. 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.  

  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 Checking Plus 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. 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. 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.

  5. You may not make more than a total of six (6) transfers each statement cycle from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of-sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Business Money Market account being changed to a Business Checking account, which will be subject to the features and fees as described in the Business Checking Account and Related Charges in effect at that time.  We reserve the right to suspend enforcement of these transaction limitations, at our discretion.

  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 a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. 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.

  8. Funds may not be available for immediate withdrawal. Please see the applicable funds availability policy for your PNC business checking account to determine when your funds will be made available.

  9. PNC provides a single-feed scanner but customers may purchase a compatible, multi-feed scanner if they desire. Monthly service fees may apply.

  10. A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.

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.

Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.

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.

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

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.

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.