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Treasury Management Solutions
Cash flow is the lifeblood of your business. Make the most of it.
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Help Optimize Your Business’s Cash Flow
Harness the Strength of our Cash Flow Solutions
Personalize your cash management experience by having a cash flow conversation with one of the top treasury management providers in the country. Tell us about the key relationships involved with your business: customers, vendors, suppliers, employees and you, the business owner. We’ll share our knowledge of how receiving, paying and managing cash flow are fundamental to optimizing these relationships today and into the future.
We know that there is no such thing as “one size fits all.” That’s where a cash flow conversation with a PNC Treasury Management Officer comes in. By learning 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 – we can help identify treasury management solutions tailored to fulfill your everyday cash flow needs.
Treasury Management Solutions That Can Help Your Business
Accelerate Your Receivables
Gain better control over incoming cash
Accelerate Your Receivables to Help Improve Cash Flow
By gaining better control over incoming cash, you can help mitigate risks associated with managing customer payments and add online efficiency by transitioning from paper to electronic receivables processes. PNC treasury management services can help you accelerate your receivables, which may help you improve your cash flow, and delight your customers, by offering them a variety of convenient payment options.
Cash Flow Insight® Receivables
Spend less time creating invoices, know your cash position, get paid online, and stay connected with customers. Learn More »
PNC Remote Deposit
Deposit checks from your business, without making a trip to the bank, with our remote deposit solutions for your business. Scan checks with a no-cost desktop scanner, or use your compatible mobile device. Learn More »
Integrated Receivables
Our image-based lockbox solution combines all electronic payment formats used by your customers, including ACH, EDI and wire transactions, with traditional paper checks. The result is a single stream of remittance information that can help provide you more efficient reporting, timely cash application and information management.
ACH Debit
Use the Automated Clearinghouse (ACH) to initiate transactions to collect funds from your customer and supplier accounts.
Cash Concentration
Automatically concentrate funds from operating locations with non-PNC depository accounts.
Deposit Reconcilement
Recap deposit information either daily or monthly for each of your PNC deposit locations.
Speak with a PNC Treasury Management representative today about your business needs: 1-866-874-3675
Monitor and Manage Your Financial Activities
Be informed - as well as agile
Leverage Online Tools
With PNC Online Banking you can enjoy the efficiency of managing your cash flow when you want, where you want. It’s secure and available when you are. As your business needs grow, we have you covered with online tools available through PINACLE® Express and Cash Flow Insight®.
PINACLE® Express
A secure online and mobile banking access point for your essential treasury management services: receivables management, funds transfer (wire transfer & ACH), information reporting and data analytics, payments, fraud mitigation tools, investments, foreign exchange, personalized online client service tools and more. Use it at your desktop, or on a mobile device. Learn More »
Cash Flow Insight®
See and manage your business's cash flow with an innovative suite of online tools that provide efficiency, control and insight. Visualize the impact of your actual and projected transactions, manage your short-term forecast, scenario plan and compare your cash position.
Add Payables, Receivables and/or Sync to bring your paper and online processes, banking and accounting data, customer and vendor payments together so you can spend less time managing your finances and more time growing your business. Learn More »
Speak with a PNC Treasury Management representative today about your business needs: 1-866-874-3675
Streamline Your Payables Process
Get Cash Where it Needs to Go
Increase Efficiency and Lower Costs
Increased visibility and control over your outgoing cash can help you streamline your payment processes and better manage your relationships with suppliers and vendors. Get cash where it needs to go with increased efficiency and at a lower cost when you leverage tools such as:
Cash Flow Insight Payables
Organize payment and approval processes, set up your vendors to be paid electronically, know what is due when — and the impact on your cash flow if you pay now or later. Learn More »
ACH Credit
Use the Automated Clearinghouse to initiate payments to employees, suppliers and taxing authorities.
Wire Transfer Services
Wire transfers provide effective same-day or future-dated settlements in both U.S. dollar and many foreign currency denominations. Multiple levels of security options can help you protect your transfers and deposit account balances.
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 More »
Integrated Payables
Take your payment processing to the next level when converting from paper-based payments to electronic payments. A single transmission of consolidated payment files can produce check, card, ACH and wire transfers as needed.
Speak with a PNC Treasury Management representative today about your business needs: 1-866-874-3675
Simplify Liquidity Management
Maximize Your Short-term Cash Balances
Simplify Liquidity Management
PNC’s liquidity management tools can help you maximize the efficiency and velocity of short-term cash balances. Get competitive rates on a variety of short-term investment opportunities with money market deposit accounts, certificates of deposit and sweep accounts. Minimize manual tasks while maximizing earnings and improve return on investment while maintaining availability of funds. Learn More »
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.
Speak with a PNC Treasury Management representative today about your business needs: 1-866-874-3675
Mitigate Fraud
Tap into our Suite of Fraud Deterrent Tools
Fraud is everywhere. Is your business protected?
As the number and complexity of fraud schemes continue to grow, it’s vital for you to have tools in place to help mitigate your exposure to these types of activities. Monitoring your accounts within Online Banking is a good first step, but you can do even more.
PNC offers a variety of options to help you mitigate the risk associated with paper and electronic financial activity, and can be tailored to support a wide range of accounting and reporting systems. For example, when your business has these products all working together, you will be in a better position to identify and thwart attempts to compromise your financial accounts. Learn More »
PINACLE® Express
An all-in-one online banking solution that helps you maximize your cash flow and more efficiently manage, monitor and protect your accounts and transactions.
Positive Pay Solutions
Broaden and extend your internal fraud control measures by displaying your check presentment information online to help identify and respond to suspicious activity.
ACH Debit Authorization Solutions
Stop ACH debits from posting to your account or establish “rules” for filtering and decisioning which ACH items post, or are returned to the originator as unauthorized.
Universal Payment Identification Code (UPIC)
Mask your checking account number so you can accept ACH credits without having to provide your PNC account number to the payment sender.
Speak with a PNC Treasury Management representative today about your business needs: 1-866-874-3675
Gain Treasury Management Insights
In addition to our wide array of products, services and solutions to help your small business, we also offer you a variety of resources to keep you informed of trending topics and ideas to help your business grow.
Podcast: How to Recognize and Act on Trends
Duration: 4:50 min
We’re bombarded with information on a daily basis, but little of what comes our way is truly critical or relevant to our lives, professionally or personally. That said, significant and impactful long-term trends are relatively easy to spot and monitor. This podcast offers a few tips to help you recognize and leverage these lasting trends.
Podcast: 5 Common Culprits of Cash Flow Problems
Duration: 4:55 min
Poor cash flow is one of the most common reasons small businesses fail. But even if you’re churning out high revenue on the books, you must verify you have enough cash on hand to keep your business afloat. Safeguard yourself against this problem by avoiding these five cash flow mistakes.
Start Your Cash Flow Conversation Today
Whether you're a current customer and have a question, or you're a new one and want to learn more, we're available to help.
Call us at 1-866-874-3675 to talk with us about your business, or complete our contact form to have us contact you.
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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.
Associated Products & Services
Important Legal Disclosures and Information
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.
UPIC is a registered trademark of The Clearing House Payments Company, LLC.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")
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.
PNC BusinessOptions is a registered mark of The PNC Financial Services Group, Inc.
A supported mobile device is needed to use mobile banking. Standard message and data rates may apply.
Bank deposit, treasury management and lending products and services, foreign exchange and derivative products (including commodity derivatives), and investment and wealth management and fiduciary services, are provided by PNC Bank, National Association (“PNC Bank”), a wholly-owned subsidiary of PNC and Member FDIC.
PNC does not charge a fee for the mobile banking service. However, a supported mobile device is needed to use mobile banking. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.
Lending, leasing and equity products and services, as well as certain other banking products and services, require credit approval
BBVA is a registered trademark of BBVA, S.A. and is used under license.
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