Small Business
CFO: Cash Flow Options from PNC
Core Components and Practical Solutions
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CFO: Cash Flow OptimizedSM
Cash Flow InsightSM
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Optimize Cash Flow

Take control over what's in, what's out and what's possible for your retail business. Cash flow is the lifeblood of your retail business or restaurant and you need to make the most of it. CFO: Cash Flow OptimizedSM from PNC is a different kind of banking relationship tailored by you. It's a comprehensive banking experience that can help you achieve your business and personal goals -- by giving you the ability to effectively and continuously make the best use of your cash flow.

Have a Cash Flow Conversation

Our PNC Bankers are eager to listen to your story. Because every retail business or restaurant is different, we want to hear about how your business operates, where you want to take your business, the opportunities and challenges you face, your aspirations and what drives you. Tell us about the key relationships involved with your business -- customers, vendors and suppliers, employees and you, the business owner -- and we'll share our experience into how the way you receive, pay and manage cash is fundamental to these relationships.

What Makes Us Different

Understanding the details of your cash flow is critical and allows you to make better informed decisions. However, attaining such insight can be challenging. One way to gain this advantage is with our innovative online financial management experience called Cash Flow InsightSM powered by PNC CFO -- a suite of online tools enabling you to view and manage cash flow like never before.

We recognize that every industry faces opportunities and challenges that are unique. Our PNC Advantage for Retail Businesses helps you meet the cash flow needs of your retail or restaurant operations. Plus, your PNC Banker can be a valuable asset in an effective banking relationship -- bringing a combination of cash flow knowledge and industry experience to help you achieve your goals.

Our unique banking approach is designed to help you holistically optimize cash flow. We seek to make it easy and efficient for you to manage your cash flow through PNC resources in these key areas:

Learn about Cash Flow Solutions for Retail and Restaurants:

Accelerate Receivables Streamline Payments Pursue Financial Well-Being Monitor and Project Cash Access to Credit

Understand, Project, Act

The health of your business depends on your ability to analyze performance and confidently make decisions that will help you achieve your goals. With Cash Flow InsightSM, you can visualize your cash flow week-to-week, month-to-month and even year-to-year with innovative views so you can see trends that may help with future projections. See how it works »

Core Components: The PNC Advantage for Retail Businesses
Retail Business Checking PNC Merchant Services® Cash Handling Options
Ideally suited to handle the cash flow needs of Retail Businesses:

  • No minimum balance requirements or monthly maintenance fees1
  • No charge for cash deposited over-the-counter or via Quick Deposit or Night Deposit 2
  • Free coin and currency orders
  • Next-day funding for payment processing transactions through PNC Merchant Services deposited into this account3

    more more


Multiple payment processing options to give your business the competitive edge:

  • Transaction processing services - authorization and settlement
  • Gift card programs
  • Electronic check verification services
  • Reporting and reconciliation solutions

    more more
Make cash handling easy with one of our convenient deposit services:

  • Quick Deposit - Make over-the-counter mixed cash/check deposits with no waiting for the cash to be counted
  • Night Deposit - Make deposits 24/7 at your convenience
  • Money Room - Secure processing for large deposits of coins and currency, plus secure cash handling via armored carriers
Practical Solutions: Helping You Run Your Business Smarter
Remote Deposit Services Online Solutions Payroll Services

Scan and deposit checks day or night without making a trip to the bank:

Key in the deposit amount and scan the check(s) - check image(s) are then transmitted to PNC for deposit
more more

Online services to more efficiently and effectively manage cash flow:

PNC Online Banking and Bill Pay
  • Get account balances, history, transfer funds, pay bills, and more for free5
  • Make deposits day or night, from anywhere you have Internet access
    more more

PINACLE® Express
  • For more sophisicated cash managment and payment needs
  • Enhanced information reporting options
    more more
Reduce the paperwork and administrative burdens of doing payroll:

PNC Online Payroll6
A faster, more accurate and less expensive way to process your payroll
  • Access it day or night, just by signing on to PNC Online Banking, anywhere you have internet access
  • Pay employees by direct deposit or pay by check
    more more
Traditional Payroll Services
Access to comprehensive payroll processing solutions7 featuring quick, simple payroll authorization via phone or e-mail

Start a cash flow conversation with PNC Bank today

To learn more about the PNC Advantage for Retail Businesses, locate a PNC Bank branch near you or contact the PNC Advantage Business Banking Service Team at 800-762-7908 between 7:00 a.m. to 10:00 p.m., ET, Monday through Friday and 8:00 a.m. to 5:00 p.m., ET, Saturday and Sunday


1. Other fees for additional services such as wire transfers, stop payments, Treasury Management services, etc. will apply to the account. See our Business Checking Accounts and Related Charges brochure for current prices on account features and other services.

2. Limit of $100,000 for cash deposited over the counter or via Night Deposit or Quick Deposit; $0.25/$100 over $100,000. We reserve the right to limit the amount of cash we will accept for deposits over the counter. We reserve the right to change the limit on cash deposited without notice at any time. This limit is not applicable in Washington, D.C., Virginia or Maryland.

3. Next-day funding on Visa®, MasterCard®, Discover® and American Express OnePoint® payment processing transactions when deposited to your PNC Business Checking account. Next day funding for American Express OnePoint® transactions available for new Merchant Services accounts only.

4. DepositNow® is a registered trademark of BServ,Inc. Eligibility for DepositNow is subject to bank approval. Customer must maintain a PNC Business checking account to qualify for DepositNow.

5. There may be a fee for certain optional services available through online banking.

6. PNC Online Payroll service is provided by Paycycle®, an Intuit Inc. company, and requires a PNC Bank Business Checking account with Online Banking. Paycycle is a registered mark of PayCycle, Inc. PNC does not provide legal, tax or accounting advice.

7. Payroll services are provided by outside providers. PNC Bank receives compensation from these outside providers in connection with payroll services provided to PNC Bank's customers.

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

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