Treasury Management
& Fraud Mitigation

Cash flow is the lifeblood of your business. Make the most of it.

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Overview
Treasury Management Solutions
Fraud Mitigation Tools

What is Treasury Management?

Harness the Strength of Our Cash Flow Solutions.

We know that there is no such thing as “one size fits all.” That’s where a cash flow conversation comes in for businesses under $5 million in revenue.

Let's learn more about your situation – how your business operates, where you want to take it, the opportunities and challenges you face, your aspirations and what drives you – to fulfill your everyday cash flow needs.

For businesses over $5 million in revenue
Treasury Management helps commercial businesses make the most of their cash flow.

Treasury Management Solutions

Take control of incoming cash and make payments convenient for your customers, while mitigating risk.

Cash Flow Insight® Receivables

Help you to monitor and plan your cash flow, send invoices via email, get paid online and digitally manage receivables.

Learn more about Cash Flow Insight® Receivables

PNC Remote Deposit

You can now deposit checks securely 24/7 from your office using a desktop scanner. With an included scanner you can now save time, enhance cash flow, and streamline bookkeeping processes.

Learn more about PNC Remote Deposit

Integrated Receivables

Reduce the time and labor involved with check payments from your clients. You can conveniently see all customer payments via an online portal. No need to make trips to the bank to deposit checks.

ACH Debit

Use electronic debit to initiate transactions to collect funds from your customer and supplier accounts.

Gain more control over your cash flow which can improve payment terms and reduce risks.

Cash Flow Insight® Payables

Monitor and manage your cash outflow through digital payout options.

Learn more about Cash Flow Insight® Payables

ACH Credit

ACH credit allows you to initiate secure electronic payments to employees and suppliers.

Wire Transfer Services

Wire Transfer Services allows you to pay expenses securely in both US and foreign currency.

PNC BusinessOptions® Visa® Signature Card

Get account options to control employee spending and manage cash flow. It’s a convenient all-in-one card program for purchasing, fleet, travel and entertainment spending, with the added benefits of a Visa Signature card.

Learn about PNC BusinessOptions® Visa® Signature Card

Gain insight and access anytime – it’s available when you want, where you want it.

PINACLE®

The all-in payment solution for your business puts you in control of your finances with automated billing. Pay electronically and fight fraud to ensure money stays with the business that earned it.

Cash Flow Insight®

Get more from your PNC Online experience by using Cash Flow Insight to help forecast and plan cash flow decisions. Send invoices, manage bills, pay and get paid electronically by enhancing with Payables, Receivables and automatically sync with your account software. Spend less time managing your finances and more time growing your business.

Learn more about Cash Flow Insight

With a variety of accounts, get competitive rates on a variety of short-term investment opportunities.

Money Market Deposit Account

Our Premium Business Money Market Account offers interest-earning potential in one convenient account.

Certificates of Deposit (CD)

PNC offers CDs with a variety of maturity terms, ranging from several days to several years, to match the time your cash is investable.

Sweep Accounts

Link your checking account to a variety of investment fund options to generate returns on idle cash balances.

Learn more about PNC Savings & Liquidity Management

Fraud Mitigation Tools

Our comprehensive approach combines advanced technologies and security tools designed to help you identify and thwart attempts to compromise your financial accounts, including fraudulent checks and electronic transactions if presented for payment. 

Help you protect your account from unauthorized activity, whether initiated electronically via ACH, or manually via paper check.

Stop Fraud in its Tracks

Mask and protect your information with UPIC.

Universal Payment Identification Code® (UPIC) masks your PNC bank account information so you can offer your customers the option of sending ACH payments, while protecting your sensitive bank account information from being displayed on customer-facing billing material or documents.

Helping Your Business

  • Accelerate funds availability
  • Reduce check processing costs
  • Eliminate returned checks and stop payment
Helping Your Customers
  • Eliminate check printing and mailing costs
  • Know the timing of cash flows
  • Protect sensitive account information that would be printed on a check and mailed

PNC offers fraud protection tools for checks and electronic payments, enabling you to choose the detection tool that’s right for your business’.

Positive Pay Solutions

With Positive Pay, you provide PNC with the details of your checks you have issued, so PNC can match it against the checks presented for payment. The checks that match will automatically clear your account.

With Reverse Positive Pay, you review the items daily with PINACLE via the prior day’s paid check report so you can match checks presented for payment against the checks issued. 

ACH Debit Authorization Solutions

ACH Debit Block prevents all ACH debits from posting to your account. You may also decide whether checks that are converted to ACH debits should be automatically returned.

ACH Debit Authorization allows you to establish rules for filtering only those ACH items you want to post (e.g., known trading partners), while returning any suspect items to the originator as unauthorized.

PINACLE®

With PINACLE, you’ll gain access to:

  • Information reporting
  • Account transfer
  • Stop payments and check inquiry
  • Image On-Demand
  • Event Notification
  • Online client support

In addition, optional services include Online Statements, Transaction initiation (ACH, Wire), Integrated Receivables and Fraud Mitigation Tools.

laptop showing PNC pinnacle account balances screen

Stop Fraud in its Tracks

Universal Payment Identification Code (UPIC) masks your checking account number so you can accept ACH credits without having to provide your PNC account number to the payment sender.

This service can help your customers

  • Eliminate check printing and mailing costs
  • Know the timing of cash flows
  • Protect sensitive account information that would be printed on a check and mailed

This service can help your business

  • Reduce check processing costs
  • Eliminate returned checks and stop payments
  • Accelerate funds availability
Contact Us To Learn More

Insights

Manage Business Finances

Staying Safe and Secure: Avoiding Business Scams

Cybercrime Evolves: From phishing to AI-powered schemes. Learn key defenses against cyberattacks and internal fraud to safeguard your business

2 min read

Manage Business Finances

Treasury Management: An Untapped Source For Profitability

Need more cash, faster? Here’s how you work smarter, not harder.

4 min read

Manage Business Finances

Insights for Small Businesses to Integrate Flexible Payment Options

Customers now have more choices and increased leeway in their payment options.

2 min read

View More Insights

Contact Us

We're available to help.

Call Us

Mon - Fri: 7 a.m. - 10 p.m. ET 
Sat - Sun: 8 a.m. - 5 p.m. ET

1-866-874-3675

Visit Us

Find a location and
stop by to see us.

Find a PNC Branch or ATM

Start Your Cash Flow Conversation Today

Share a few details with us and a PNC Treasury Management representative will contact you shortly.

If you have questions or would like additional information, please fill out this short form so we can get in touch with you. By completing this form, you are authorizing us to contact you (via email and/or phone) to answer your questions and provide information about our products and services.