Small Business
CFO: Cash Flow Options from PNC
Savings and Liquidity Management

Liquidity - ready cash to cover short-term expenses and unexpected emergencies - is critical for any business on the move. While it's important to have an adequate amount of cash on-hand, it's equally important that your excess funds are not sitting idle when there is more they could do for you.

For the business cash that is not needed to keep your day-to-day operations running, PNC Business Banking can provide money market deposit accounts, sweep accounts, or certificates of deposit to ensure your hard-earned money is working for you until it's needed.

Need Help? Call 800-762-5684
Use When Account Benefits Account Type
Your business is building up its cash reserves or has excess funds on a periodic short-term basis, and you need quick, convenient access when it's needed.
  • Put excess funds to work for your business until needed
  • Access funds at a PNC Bank branch or ATM, transfer funds online, or write a check - it's up to you.1
  • Earns varying interest rates based on your daily account balance
Money Market Demand Account
Your business checking account balance typically is significantly greater than is required to cover daily operating expenses and you want the convenience of automated transfers of excess balances between your checking and an income-earning account.
  • Excess cash above a target balance is automatically transferred into an interest-earning account at the close of each business day.
  • Funds stay invested as long as possible. Returned to checking account only when needed to pay checks or other items.

Sweep Accounts
Your business has cash on hand that is earmarked for future business use and not daily operations so it can be invested for a predetermined period of time in order to earn generally better interest rates.
  • Offers both short and long term maturities
  • Available for small or large cash deposits
  • FDIC insured up to maximum amount permitted by law
  • Generally earns higher rates than other savings products
Certificates of Deposit

1. Federal regulations prohibit you from making more than a total of 6 transfers each month from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by pre-authorized or automatic agreements, telephone, or online.


Bank deposit products and services provided by PNC Bank, National Association. Member FDIC