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.
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.
PNC Merchant Services®
Get next-business-day funding on payment transactions while giving your customers more ways to pay with credit cards, debit cards and attractive gift card programs.
Cash Management Solutions
Gain better control over incoming cash, help mitigate risks associated with managing customer payments, and add online efficiency by transitioning from paper to electronic.
Improve Payment Practices
Better manage your relationships with suppliers and vendors by streamlining your payment processes—through increased control and visibility over outgoing cash.
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.
Card Payment Solutions
A comprehensive suite of payment cards to help you better manage spending and increase efficiencies.
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.
Cash Management Solutions
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..
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.
PINACLE® 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.
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.
Business Sweep Checking
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.
Premium Business Money Market Account
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.
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.
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.
We're Here For Your Business
Our wide array of products, services and solutions can help your small business to achieve more.
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.
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. Please share a few details with us and a PNC Business Banker will contact you.
Cash Management Services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ACH services require credit approval.
PINACLE® is a registered trademark of The PNC Financial Services Group, Inc. Transaction fees may apply. ACH services require credit approval.
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.
Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc. U.S. Patent Nos. 10,402,910, 9,965,808, and 11,074,660, and other patents pending.
PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc. Merchant Services are not deposit products. PNC Merchant Services does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are provided by PNC Merchant Services Company and are subject to application, credit review of the business and its owners, and approval.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")