Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.
Cash Flow Strategies
Take control over what’s in, what’s out and what’s possible for your business.
Cash Flow Is the Lifeblood of Your Business. Make the Most of It.
This is a different kind of banking experience tailored by you. It starts with a one-on-one cash flow conversation to learn about you and your business in order to create a comprehensive banking relationship that can help you achieve your business and personal goals.
Accelerate Receivables
Giving your customers more ways to pay is good for business, and so is getting cash into your business faster. Consider all the opportunities to Accelerate Receivables by optimizing how you receive and direct incoming cash. Offers you the ability to effectively and continuously make the best use of your cash flow.
Featured Solutions
Cash Flow Insight®
Track money coming in and money you expect to receive. Automate invoicing, view payment activity and schedule reminders.
Learn More about Cash Flow Insight
Deposits Made Easy
Save yourself a trip to the bank with PNC Remote Deposit. Simplify your deposit process with DepositEasy℠ ATMs, mobile deposit and PNC Bank business deposit cards.
Learn More about Remote Deposit
PNC Merchant Services®
Get next-business-day funding[1] on payment transactions while giving your customers more ways to pay with credit cards, debit cards and attractive gift card programs.
Learn More about Merchant Services
Cash Management Solutions[2]
Gain better control over incoming cash, help mitigate risks associated with managing customer payments, and add online efficiency by transitioning from paper to electronic.
Learn More about Treasury Management
Improve Payment Practices
Better manage your relationships with suppliers and vendors by streamlining your payment processes—through increased control and visibility over outgoing cash.
Featured Solutions
Cash Flow Insight®
Stay ahead, in control and organized with an online To Do list to keep up with what you need to pay and when you need to pay it.
Learn More about Cash Flow Insight
Card Payment Solutions
A comprehensive suite of payment cards to help you better manage spending and increase efficiencies.
Learn More about Business Payment Options
Online Bill Pay
Stop writing checks, paying for stamps and making trips to the post office—start experiencing the ease and savings of Online Bill Pay for your business.
Learn More about Online Bill Pay
Cash Management Solutions[2]
Gain better control over outgoing cash, help mitigate risks associated with your payments to suppliers and add online efficiency by transitioning from paper to electronic..
Learn More about Treasury Management
Monitor & Project Cash Flow
Gain insight into your cash position and leverage detailed information to make better-informed decisions. An array of online cash management solutions is available specific to the needs of your business.
Featured Solutions
Cash Flow Insight®
Easily visualize and project your cash position with a suite of user-friendly online tools designed to help you learn from past performance and plan for what’s ahead.
Learn More about Cash Flow Insight
Mobile Banking
Stay in touch with your cash position and manage your cash flow from almost anywhere with PNC Mobile Banking.
Learn More about Mobile Banking
Online Bill Pay
Check on your cash, transactions and payment status anytime online — for self-service account management and knowing what’s possible every day.
Learn More about Online Bill Pay
PINACLE®[3] Express and PINACLE®
Secure, one-stop access to all of our online Treasury Management services. Sign on once to quickly and efficiently manage your cash management processes.
Learn More about Pinacle Express & Pinacle
Pursue Financial Well-Being
Capitalize on opportunities to effectively use your cash to help achieve your business and personal goals. Manage your cash flow to meet business needs without sacrificing liquidity. Plus we can refer you to PNC resources for your personal investment planning needs.
Featured Solutions
Cash Flow Insight®
Better understand current and projected cash flow available for your business, and your personal retirement.
Learn More about Cash Flow Insight
Business Sweep Checking[4]
Ensure daily liquidity and enjoy immediate access to investment balances with an automated cash management tool that can help you make the most of your idle cash.
Learn More about Business Sweep Checking
Premium Business Money Market Account[4]
Enjoy interest-earning potential in one convenient account. Plus, with tiered rates based on account balances, your interest rates can increase as your balances grow.
Learn More about Premium Business Money Market Account
Retirement & Investment Planning
Discover ways to effectively use cash for personal and employee retirement, and for reaching investment goals. Work with PNC resources for your planning needs.
Learn More about Retirement & Investment Planning
Ensure Access to Credit
Think strategically about your need to borrow and your larger capital needs. Leverage insight into your cash flow so cash shortfalls don’t slow you down. Ensure Access to Credit through financing solutions tailored to your business.
Featured Solutions
Cash Flow Insight®
Project cash shortfalls weeks before they happen. Cover them with our business line of credit options to meet your specific cash flow needs.
Learn More about Cash Flow Insight
Business Credit Cards
Payment card options packed with benefits—global acceptance, fraud and purchase protection, and the opportunity to earn valuable travel discounts, rebates and rewards.
Learn More about Business Credit Cards
Business Lines of Credit
We have options that can be tailored to your specific cash flow needs, offering a flexible way to help ensure you have access to cash during periods of growth or cash shortfalls.
Learn More about Business Lines of Credit
Customized Financing
Capitalize on business opportunities while staying mindful of your cash flow needs with installment and term loans, commercial real-estate financing and vehicle loans.
Learn More about Customized Financing
We're Here For Your Business
Our wide array of products, services and solutions can help your small business to achieve more.
Checking Solutions
Features and services tailored to your everyday transaction needs to provide the right foundation to take your business to the next level.
Cash Flow Insight®
An innovative suite of online tools for seeing your business’s cash flow like never before.
Accepting Card Payments
With PNC Merchant Services®, you have a dedicated team to help you discover the right payment acceptance solutions.
News & Insights
Insights and ideas to help you get the most out of your day and keep your business moving forward.