Enrollment in any combination of additional non-DDA Payment Service Solutions (including Treasury Management and Merchant Services) will result in service fees. Subscription, transactions and user fees may apply. Certain additional non-DDA services are billed 2 months in arrears. You may see two months of trailing fees after cancellation of these additional non-DDA services.
Welcome to PNC Treasury Management for Business
We are excited to serve as your treasury management provider and to work alongside you during this transition
As a Top-Four Treasury Provider in the United States, PNC® Is Excited To Welcome You to Our Organization.
For detailed PNC Treasury Management information, download and save the following document on transitioning Treasury services to PNC.
What to Expect
- You will receive emails with important information about your new PNC Treasury Management services at PNC and next steps.
- From June 22 through September 20, 2026, monthly service charges - including Treasury Management and other Account Analysis fees - will be waived. During this waiver period, please review your statements to understand which services have transitioned and what fees may apply after the waiver ends.
- Your Account Transfer Communication(s) letter will include your new deposit account details, which will be important for future billing cycles.
- PINACLE® and PNC Online Banking offers training resources to help through the transition.
For Your Security
For your security during this transition, it's important to note the following:
- PNC will never call you or send an email or text message requesting your login credentials, including security codes or token passcodes. PNC will also never ask you to have a second user log in from your computer for any reason.
- Never use a search engine to locate the PINACLE login page. Always access PINACLE using a saved bookmark, favorite, or desktop shortcut.
If you suspect a communication is not from PNC:
- If you receive any communication that appears to be from PNC but seems suspicious, do not respond or click any links. Please notify Treasury Management Client Care immediately at 800‑669‑1518.
- If a suspicious text message or email appears to be from PNC, send an image of the message to the PNC Abuse mailbox at abuse@pnc.com. How to Verify if PNC Bank Contacted You.
- If you receive an email requesting payment or a change to payment routing instructions—even if it appears to come from a known supplier or company executive—always verify the request verbally using a known telephone number. Do not use contact details provided within the email to confirm the request.
Online or Digital Tools
Internet Cash Management will convert to PINACLE, PNC Online Banking or both platforms. We’ll let you know which platform you’ll use and provide demos, training, and login instructions.
PNC Online and Mobile Banking supports many everyday business banking needs, including:
- Account management and bill payment
- Cash flow insights and self‑service tools
- PNC to PNC and external account transfers
- Sending and receiving payments with Zelle®
- Mobile check deposits
- Accepting card payments with PNC Mobile Accept®
These features are available 24/7 via desktop and mobile.
PINACLE is PNC’s online and mobile banking platform for business and commercial banking services. It provides 24/7 access to features such as:
- ACH, Same Day ACH, Instant Payments, and wire payments
- Disbursement and receivables activity
- Remote Deposit Capture
- Balance and transaction reporting
- Account transfers and customer support
You’ll be set up with PINACLE services that most closely match what you used at FirstBank.
Note: PINACLE is limited to Business Accounts.
For customers who used Internet Cash Management at FirstBank, many common tasks can be completed through PNC Online Banking, PINACLE, or both. It’s important to review business communications on how to get started with these services.
You can visit Treasury & Cash Management Solutions for Small Businesses to learn more. After conversion, your Treasury Advisor or Relationship Manager can help you add or update tools and services as needed.
| PINACLE | PNC Online Banking | |
|---|---|---|
| Online Deposit Account Statements | Yes | Yes |
| View Deposit Account Transaction Reporting & Transaction Details | Yes | Yes |
| Review Account History | Yes | Yes |
| View PNC Business Credit Card information | No | Yes |
| QuickBooks connection option | Yes | Yes |
| Data Export (.csv or PDF) | Yes | Yes |
| PNC to PNC Deposit Account Transfers | Yes | Yes |
| External Account Transfers | No. (Yes via ACH, PINACLE Payments, or Funds Transfer (Wire) services | Yes |
Payment Types
| PINACLE | PNC Online Banking | |
|---|---|---|
| Bill Pay | Yes | Yes |
| ACH, Same Day ACH or Instant Payments | Yes | No |
| Domestic Wire | Yes | Yes |
| International Wire | Yes | No |
Receiving Deposits
| PINACLE | PNC Online Banking | |
|---|---|---|
| Remote Deposit capture | Yes | Yes |
| Mobile Deposit | Yes via Deposit On Site® Mobile | Yes via PNC Mobile app |
| ACH Debit Origination | Yes | No |
PINACLE
- Early access begins June 1st.
- A preview period allows you to review converted information before the full conversion.
- Transactions can be submitted once conversion is complete.
You’ll need a Company ID, User ID, and password to log in.
PNC Online Banking
Access details and setup instructions for Online Banking will be available through FirstBank’s digital transition content.
As FirstBank transitions to PNC, it's important to note that there is no such thing as 'one size fits all' for our Business customers.
Our suite of solutions can help you pay and get paid, manage cash, mitigate fraud, and integrate digital tools into your operation.
There are some services at FirstBank that may have previously only been available using the Internet Cash Management platform. At PNC, many of these needs will be met through PNC's Online Banking experience, including:
- Personal or Consumer services, including checking, savings, retirement, Credit Cards and lending solutions, and personal Bill Pay and Account Transfers
- FirstBank Business Credit cards
- Business Lending, Installment Loans or Lines of Credit
You will receive emails with important information about your new PNC Treasury Management services at PNC and next steps. You can learn more about Treasury Management at PNC within this site, via e-mails and welcome or training materials.
Depending on the services you used at FirstBank for your business, you may receive information on PNC Online Banking, PINACLE or both. Please review these materials carefully to stay up-to-date on your new Business tools and services.
PINACLE includes built‑in training tools such as:
- Help Center articles
- New User Checklist
- Guided tours
- Online drop‑in training classes
PNC Online Banking offers:
- Online Banking tutorials: Learn how to access features in our Online Banking experience using Online Banking Tutorials
- Topic‑specific training (e.g. Account Delegation, Remote Deposit, or Domestic Wire Transfer)
Making Payments at PNC
PNC makes sending payments simple, with reliable digital tools to help support your business.
PNC makes sending payments simple, with reliable digital tools to support your business.
If you currently use Internet Cash Management at FirstBank, you may be transitioned to the PINACLE ACH service or the PINACLE Payments service, PNC Online Banking, or a combination of platforms. Your conversion communications will explain:
- Which platform(s) you’ll use.
- How to access Bill Pay, ACH, and Wire services.
- Required setup steps, training, and credentials.
PNC offers multiple ways to make ACH payments including via file transmission and online. If you are using ACH (Automated Clearing House) services through Internet Cash Management at FirstBank, it's important to note that you may be converted to the PINACLE Payments service (which utilizes intelligent routing to route payments via the ACH, Same Day ACH, Bill Pay and Real-Time Payment networks) or the PINACLE ACH service.
Important Information about Making Payments:
- Please note that any recurring payments you have established will not migrate. You will need to initiate any payments in PINACLE that were previously set up as a recurring payment.
- PINACLE Administrators and Users with access to payment services will need a security token to use the ACH, PINACLE Payment, Bill Pay, and Wire initiation services within PINACLE as well as to access Administration within PINACLE. PINACLE uses the PINACLE Pass Mobile App for services that require token passcode authentication.
- PINACLE requires dual approval for all payee templates and initiated payments (this feature will always require a different user other than the initiator to approve). However, companies have the option to waive dual approval for payments initiated from a dual approved template for some services.
- ACH Credit Origination lets you securely send in one place, and is available through the ACH service or the PINACLE Payments service in PINACLE.
- PNC’s ACH service supports traditional ACH payments and allows clients to initiate, track and manage ACH transactions through PINACLE. PNC supports Same Day ACH for faster settlement and same-day effective dating, with timing dependent on cutoffs and banking days.
- PNC’s PINACLE Payments Service improves efficiency and automation by intelligently routing payments through either the ACH Network or the Real-Time Payment (RTP®) network, based on the payee’s instructions, payment amount, and selected settlement date.
- ACH origination is also available via direct transmission (Nacha formatted transmission files can be sent directly from your ERP, payment or payroll applications to PNC.)
Existing Internet Cash Management payees will be mapped to PINACLE. Please review and verify all converted user and payee information on PINACLE to avoid disruptions in making payments.
PNC will post the payment and PNC may send an ACH Notification of Change (NOC) requesting the originator update your account information. The originator may request confirmation from you on changes to the payment instructions.
PNC may send an ACH Notification of Change to the credit or debit initiator so they can update your routing and account information in their system. We also recommend reaching out to your payees directly to make sure your new account details are updated on their end.
If your account is automatically credited or debited via ACH:
- PNC will post the payment as received.
- PNC may issue an ACH Notification of Change (NOC) to the originator requesting updated routing or account information.
- Originators may contact you to confirm updated payment instructions.
If you originate ACH payments and receive an NOC:
- Review the NOC code to understand the issue.
- Update payee, employee, or customer details in PINACLE immediately.
- Use corrected information for all future payments to avoid returns, delays, or fees.
You are also encouraged to proactively notify payees of your updated account details.
An ACH Notification of Change (NOC) alerts you that a payment went through but included outdated or incorrect information (like a routing or account number).The payment is not returned—but the originator must correct the information. Updates must be made within six banking days or before the next payment to prevent future rejects.
ACH limits
- Clients converting to PNC will be underwritten for ACH exposure limits based on existing FirstBank limits.
- If you need higher ACH limits, you can request a review with your Relationship Manager or Treasury Management Advisor.
ACH settlement timing
For reference, PNC's ACH settlement uses the following industry terms:
- Origination Date: The date you submit the ACH payment, batch, or file
- Settlement Date: The date settlement is posted to your PNC account
- Effective Date: The date that the transaction is posted to the recipient’s account
Typically, ACH processing transaction flow follows the example below:
Day One: Origination Date
- You submit ACH direct deposits to PNC.
- PNC sends the file to ACH Clearing network.
- At this point, the file cannot be retrieved for corrections or deletions.
Day Two: Settlement Date
- The receiving financial institution picks up the file.
Day Three: Effective Date
- Your PNC account is debited.
- The receiving financial institution makes funds available to the employee.
- Note: ACH Credit Originators can also send 1-day ACH Credits or they can be sent in 3, 4, 5, etc. days in advance of the Effective Date.
ACH cut-off times
Cutoff times vary by transaction type and platform:
| Transaction Type | PINACLE Cut-off Eastern Standard Time | PINACLE Cut-off Mountain Time |
|---|---|---|
| PINACLE Payments | 8 p.m. ET | 6 p.m. MT |
| PINACLE ACH Module | 8 p.m. ET | 6 p.m. MT |
| PINACLE Upload | 3 p.m. ET | 1 p.m. MT |
| Direct Transmission and SWIFT File Act | 3:45 p.m. ET | 1:45 p.m. MT |
Yes, both the ACH Network and the Real-Time Payment (RTP®) network may be used to process your payments. Review PINACLE Payments Help to learn more.
If you used Bill Payment services at FirstBank, you may be converted to:
- PNC’s PINACLE Payments service (including Bill Pay)
- PNC Online Banking
PNC Bill Pay within PINACLE allows you to create payee templates, initiate and approve bill payments, and track one‑time payments with role controls, approval workflows, reporting, and audit history.
PNC Online Banking Bill Pay allows you to make one‑time or recurring payments by selecting who to pay, when, and how much.
If you are using Wire Transfer services through Internet Cash Management or Voice Wire at FirstBank, it's important to note that you may be converted to the PINACLE Wire Transfer Service or PNC Online Banking with Self-service Wire. In addition, you may complete wire transfer requests by visiting your local branch. Your communications will let you know how to access digital Wire Transfer services.
| PINACLE Wire Transfer Service | PNC Online Banking | |
|---|---|---|
| Domestic Outgoing Wire | PINACLE Funds Transfer lets you send and manage domestic and international wire transfers along with Instant Payments online or through the PINACLE Mobile app. The platform includes tools like wire templates, bulk file uploads, and user permission controls. | PNC Online Banking allows you to make domestic wire transfers |
| International Outgoing Wire | International wires can be sent to 180+ countries in USD or 20+ foreign currencies. Transfers require beneficiary details (such as account number, IBAN or CLABE if applicable, and SWIFT/BIC code) and include security controls like dual approval and transaction limits. International wires typically arrive in 1–3 business days, depending on destination and FX settlement. | International Wire is not available for Business through Online Banking at this time |
FirstBank customers using Voice Wire may be enabled for PNC Online Banking with Wire or can go to their local branch.
Yes, if you have a drawdown agreement in place and there are sufficient funds. Your banker may be reaching out to help you create a new drawdown wire agreement. Contact your banker to learn more.
Wire Service & PINACLE ACH Service:
- Users must enter a security token passcode to access wire transfer services and PINACLE ACH services. Tokens are also required at the template and payment approval.
- Wire templates and payee templates require dual approval (one user to initiate and a different user to approve).
- Wire payments and ACH payments require dual approval. You can elect to waive dual approval for payments made from a template (discuss approval options with your Relationship Manager or Treasury Management Advisor).
PINACLE Payments Service:
- Users must enter a security token passcode at the template and payment approval.
- Payee templates require dual approval (one user to initiate and a different user to approve).
- Payments require dual approval (one user to initiate and a different user to approve). You can elect to waive dual approval for payments made from a template (discuss approval options with your Relationship Manager or Treasury Management Advisor).
| Transaction Type | Eastern Standard Time | Mountain Time |
|---|---|---|
| PINACLE Wire | 6:45 p.m. ET | 4:45 p.m. MT |
| Voice Wire | 5:45 p.m. ET | 3:45 p.m. MT |
| Branch Wire | Please check your local branch hours. | Not available. |
Receiving Payments at PNC
PNC ensures a smooth transition for receiving deposits, with familiar deposit options available and reliable digital tools to access your funds.
Incoming ACH, wire transfer, Instant Payments (RTP & FedNow) payments will be mapped to your new PNC bank account number.
After conversion, PNC offers multiple ways to receive payments, including:
- ACH received
- Incoming wire transfers
- ACH debit origination
- Remote Deposit (scanner or mobile)
- Incoming Instant Payments or Zelle®
The deposit options available to you will depend on what services you used at FirstBank and which PNC platform you are enabled for.
Any eligible PNC Business Checking or Savings Accounts may receive incoming wires. Incoming wire does not require a specific digital platform or enrollment in Treasury Services.
You will receive a new PNC Bank routing/transit number for your business accounts.
Share the following details with vendors, customers, or partners to receive wire payments:
Domestic Wires:
PNC ABA (routing) number: 043000096
Your PNC account number
Your business name and street address
(Optional) Reference details, such as an invoice number
International Wires:
PNC SWIFT code: PNCCUS33
Your PNC account number
Your business name and street address
(Optional) Reference details, such as an invoice number
For 30 days after conversion, wires sent using your former FirstBank account and ABA number will be redirected to your new PNC account, though processing delays may occur.
After 30 days:
- The FirstBank ABA number is deactivated.
- Wires sent using old instructions will be rejected.
- You should ensure all senders—especially those using saved wire templates—update their instructions as soon as possible.
If you used Internet Cash Management at FirstBank for ACH Debit Origination, you will access this service securely through PINACLE.
Through PINACLE, you can:
- Create, track, and manage ACH transactions.
- Use file uploads and templates.
- Apply security controls, including dual approval.
Your ACH limits will initially align with your previous FirstBank setup. Limit reviews consider transaction volume, frequency, and clearing patterns. Requests for higher limits can be made through your Relationship Manager or Treasury Management Advisor.
For 30 days after conversion, Instant Payments sent using your former FirstBank account and routing number will be redirected to your new PNC account, though processing delays may occur.
After 30 days:
- The FirstBank ABA number is deactivated.
- Instant Payments sent using old instructions will be rejected.
You should ensure all senders update their instructions as soon as possible.
Receiving Payments via Remote Deposit Solutions
| Key Features | FirstBank Desktop Teller | PINACLE w/ Remote Deposit | Online Banking w/ PNC Remote Deposit |
|---|---|---|---|
| Eligible Accounts | Business and some Consumer | Business only | Business only |
| Money Orders | Not accepted | Acceptable | Acceptable |
| Delegate Roles | Delegation can be assigned per company or account | Admin and User entitlements will be migrated over as part of the conversion. Please confirm that your roles and users are set up correctly. | Delegate information will be migrated to Online Banking, however, you'll need to confirm information and entitle your delegates. Learn more about re-enrolling as a delegate. |
| Deposit Limits | No specific per item or deposit limit | Deposit and item limits are set at the company level for all your accounts, based on your past monthly Remote Deposit activity. For questions or to request higher limits, contact your Relationship Manager or Treasury Advisor. | Deposit limits are set per deposit and per month at the account level, based on your past activity. You can request a higher limit in Online Banking by going to Business Payments, Remote Deposit, Manage Settings, selecting the account, and selecting Edit. Choose Request a Daily Deposit Limit Increase and submit your request. You’ll be notified once it’s reviewed. |
| Same Day Deposit Cut-Off Time | FirstBank accepts deposits until 9:00 PM MT. | PNC accepts deposits until 8:00 PM MT (10 PM EST) | PNC accepts deposits until 8:00 PM MT (10 PM EST) |
| Funds Availability | FirstBank enabled Next-Day Availability of up to $250,000 | PNC allows Next-Day Availability of up to $50,000 for remotely deposited items. Please note Next Day Availability cannot be changed, regardless of total Remote Deposit Limit that may be approved for your account(s). | PNC allows Next-Day Availability of up to $50,000 for remotely deposited items. Please note Next Day Availability cannot be changed, regardless of total Remote Deposit Limit that may be approved for your account(s). |
| Virtual Deposit Tickets – Deposit Item Counts | FirstBank does not require the virtual deposit ticket to be included in the deposited item counts | PNC Remote Deposit does not require an item count in the Number of Items field. | PNC Remote Deposit may require the virtual deposit ticket to be added to the Number of Items field, with the addition of “1” (i.e. Check count plus 1), to account for the virtual deposit ticket. |
If you have Desktop Teller at FirstBank, you will be enabled with one of PNC's Remote Deposit solutions. Review your Account Transfer Communications, Welcome e-mails and/or letters to learn more.
PINACLE with Remote Deposit
PNC’s Remote Deposit service lets you deposit checks electronically by scanning them at your location and sending the images to PNC for processing—reducing or eliminating branch visits. The service is available through PINACLE® and the Deposit On-Site Mobile® app on supported devices.
Remote Deposit allows multiple deposits per day, offers deposit reports and transaction history with export options for accounting, and includes safeguards like duplicate detection to help prevent redepositing the same check.
To access Remote Deposit (scanner):
- Log into PINACLE.
- Go to the Remote Deposits service.
- Select to make a deposit and choose the account and deposit location.
- Prior to making your first deposit, follow the prompts for instruction on installing your scanners/drivers.
Learn more about Mobile Deposit with PINACLE.
PNC Online Banking with Remote Deposit
PNC's Remote Deposit allows you to deposit checks without making a trip to the bank. You can conveniently deposit checks, day or night, to your PNC business checking account, without leaving the office.
To access Remote Deposit (scanner):
- Select the account you’d like to deposit to.
- Select the Business Payments tab. Enter Remote Deposit tile and select account you want to deposit to.
- Follow the prompts for instructions on installing your scanners/drivers.
Desktop Teller will convert to one of PNC's Remote Deposit solutions, either through PINACLE or within Online Banking. Your Welcome emails and materials will indicate which service has been enabled, for your convenience.
Before you get started:
After the conversion weekend, you will need to follow instructions to download the PNC scanner driver, and it will require you to delete your existing FirstBank scanner driver.
Do not download new scanner software until after conversion to avoid losing access to FirstBank Remote Deposit.
Make sure the scanner is NOT plugged into the computer
Make sure your computer and internet browser are up to date
- Windows: Check System Settings
- Chrome: Update to the most recently supported version
After conversion, follow these steps:
- Unplug your scanner from the computer
- Uninstall FirstBank scanner software, if applicable, by going to Control Panel > Programs > Uninstall a Program
Scanner Driver:
Uninstall any drivers starting with Panini Universal Installer, TellerScan, or Digital Check
Desktop Teller Service:
Right‑click Remote Deposit Scanner Service (by Alogent Corporation) and select Uninstall
On the Remote Deposit page:
- Under the Messages section (at the bottom of the page), click “Click Here” to download the new driver.
- On the Driver Download page: Select your scanner model from the options listed.
- Follow the on‑screen installation steps.
In most cases, your current scanner will continue to work.
- The first time you log in to PNC’s Remote Deposit or Deposit On-Site, you may be asked to download a new scanner driver.
- It's important to wait to download the new scanner software until after conversion, to help ensure you do not lose access to remote deposit services at FirstBank.
- Depending on your organization’s security settings, you might need System Administrator access to install the driver.
Assigning permissions with PINACLE with Remote Deposit:
PINACLE with Remote Deposit supports multiple types of User Roles.
- Scanner User: Creates, views, edits, and submits deposits from a desktop scanner for assigned accounts and locations.
- Mobile User: Creates, views, edits, and submits deposits from a mobile device for assigned accounts and locations.
- Administrator: Assigns user permissions and access to accounts and locations.
Users can have more than one role. Dual control is not required – the user can both scan and submit a deposit.
Assigning permissions with PNC Online Banking:
Be sure your Delegates are set up with the correct permissions for your business. Delegates can be enabled as a "Manager/Supervisor" role if you want them to be able to create and submit deposits.
Users with the "Operator" only role can create a deposit, but the Primary User must review and approve it before it can be submitted to PNC.
Enter a new deposit in Remote Deposit
- Choose the account you want to deposit into.
- Enter Number of Items: Enter the number of checks you’re scanning. You may be prompted to enter the number of checks you are scanning plus 1 (the extra “1” accounts for the virtual deposit ticket).
- Enter Declared Amount: Enter the total dollar amount of all checks being scanned.
- Follow the prompts to begin scanning and balance the deposit amount and items. Review any errors or alerts and correct.
- Review and submit deposits for processing.
Fraud Mitigation Tools at PNC
PNC’s Positive Pay solutions help you implement strong fraud protection strategies and identify unauthorized transactions before losses occur.
- PNC’s Positive Pay solutions can help you implement strong fraud mitigation strategies to help identify and return unauthorized transactions.
- Check Positive Pay helps reduce potential exposure to check fraud, while ACH Positive Pay protects against unauthorized ACH debits.
- PNC ACH debit and credit block solutions stop all ACH entries from posting to your account.
You provide a daily list of your checks called an Issued File. When a check is presented, PNC compares the payee name, account number, check amount, and check number to the issue details you provided. If the information doesn’t match, the check is flagged as an exception.You can review and decision daily check exceptions on PINACLE, and review images of the checks. You can also track exception status, view same‑day exceptions, and access confirmation reports from previous days.
An exception occurs when a presented check does not match the issue file information you provided (e.g., check number, serial number, amount, or account number) or if the issue file information was not provided at the time of the check presentment.
Exception reasons may include stale date, payee mismatch, paid no issue, check voided, exceeds dollar amount, duplicate paid and amount mismatch.
Check Positive Pay
To monitor and manage check activity, you'll access PINACLE Check Positive Pay daily by the following times and decisioning items:
- Exceptions are available by 11:00 a.m. ET (9:00 a.m. MT)
- Processing times are 12:00 p.m. ET (10:00 a.m. MT), 1:30 p.m. ET (11:30 a.m. MT), 3:00 p.m. ET (1:00 p.m. MT) and 5:00 p.m. ET (3:00 p.m. MT)
- Decisioning deadline is 5:00 p.m. ET (3:00 p.m. MT)
PINACLE displays daily exceptions requiring same-day action. You can change and resubmit a decision up until each cutoff time. Any unsubmitted decisions after that time will be processed according to your selected default decision.
ACH Positive Pay
To monitor and manage ACH activity, you'll access PINACLE ACH Positive Pay daily by the following times and decisioning items:
- 8:00 a.m. ET (6:00 a.m. MT) daily suspect presentment
- 7:30 p.m. ET (5:30 p.m. MT) deadline for suspect decisions
For ACH Positive Pay services, we recommend setting the account default decision to "return" if no decision is made by the deadline
You can also add additional Security Options, such as – set dual approval for establishing, modifying, or deleting rules and for exception processing deadlines.
PNC allows customers with Check Positive Pay to place stop payments through PINACLE or by phone through the Treasury Management Care Center. Existing check stop payments will expire 1 year after conversion. (Customers with Check Positive Pay are not able to place a stop payment in a branch or Business Customer Care.)
Yes, PNC offers both services. Clients are permitted to enroll in Reverse Positive Pay to review daily paid checks. For clients enrolled in Check Positive Pay, Payee Verification can be enabled to have the payee’s name reviewed.
PNC’s ACH Positive Pay service helps you prevent unauthorized ACH debits. Through PINACLE, you set rules that define which ACH debits are allowed, such as specific originators or other criteria. Any ACH debit that does not meet your rules is flagged as an exception for you to review. You then use PINACLE to decide whether to pay or return the item. You can update rules at any time and choose to receive notifications when exceptions are ready for review.
With PNC's ACH Positive Pay, you can:
Identify Authorized Parties:
ACH Positive Pay uses the company ID of the ACH originator to identify authorized parties.
Filtering: Choose certain dollar amounts, allowable dates or debit frequency.
Exception Processing: Using PINACLE, view exceptions online by selecting the appropriate pay or return option and submit to PNC by the decision deadline.
Excluded Items:
Certain internal PNC ACH debits, such as check printing fees, ACH reversals and PNC ACH settlement entries for outgoing ACH credits will not be listed for review.
You can establish rules upfront:
ACH Positive Pay lets you create rules up front for a specific sending company ID. Any debits from that originator would be filtered according to your rule criteria.
You can build rules after your first transaction:
Wait until an ACH debit is presented the first time and then use information from that transaction to build criteria for that ACH originator.
ACH Credit Block with Rules is not offered at PNC. PNC offers multiple forms of ACH Fraud Protection, enabling you to choose the tools that are right for your business.
PNC does offer ACH Debit or Credit Block services. There are no exceptions or manual management with ACH Debit or Credit Block services.
ACH Debit Block: Prevents all ACH debits from posting to your account.
ACH Credit Block: Prevents all ACH credits from posting to your account.
Universal Payment Identification Code (UPIC®): Protects your account information if you receive incoming ACH credits. UPIC is a unique identifier that you can provide to payers in lieu of your sensitive account information, to help manage access to your Routing and Account number at PNC.
You can talk with your PNC Treasury Advisor or Relationship Manager for more information.
Understanding Your Fees & Billing
Helping you understand how Treasury Management fees work, when charges may apply, and how billing is structured at PNC.
From June 22, 2026 through September 30, 2026, your monthly service charges—including Treasury Management and other Account Analysis fees—will be waived. During this waiver period, please review your statements to understand which services have transitioned and what fees may apply after the waiver ends. Your Treasury Advisor or Relationship Manager can help review fees and discuss your options.
Depending on the combined accounts and services transitioned from FirstBank, you may have one or both of the PNC billing structures for your relationship.
Your Account Transfer Communication(s) letter will include your new deposit account details, which will be important for future billing cycles.
If your accounts move to a Business Treasury Enterprise Plan, Analysis Checking, or IOLTA, PNC can combine Treasury Management fees across multiple accounts. You can choose to be billed per account or receive one combined bill.
If your account moves to Business Checking, Business Checking Plus, or Business Interest Checking, each account is billed separately with no combined billing.
If your account is moving to Business Treasury Enterprise Plan, Analysis or IOLTA:
- September 30: FirstBank Fee Waiver period ends. Beginning in Early October, PNC reviews Treasury Management services for September activity.
- October 31: Your Master account is charged on the last business day of the month following service. September TM fees are waived, and October activity will be billed in the next cycle.
If your account is moving to Business Checking, Business Checking Plus or Business Interest Checking:
- September 30: FirstBank Fee Waiver period ends. Beginning in Early October, PNC reviews Treasury Management services for September activity.
- November 1: Treasury Management fees are charged on the 1st, one month after service. September fees are waived, and October activity will be billed in the next cycle.