Control Your Cash Flow
Suites of remote access tools can help you and your staff keep the money moving, no matter where you are—or where you need it to be.

In times like these, efficient cash flow management can mean the difference between struggling to get through each month or being poised to thrive as the economy improves. Cash flow is all about the basics: Are you collecting money as quickly as possible? Are you paying vendors too quickly? Do you have access to the necessary information to have control over all the inflows and outflows? If your answer is “no” or “there’s room for improvement,” you will be happy to learn that there are numerous treasury management banking services that will help you.

You first need to gain a clear idea of your organization’s specific needs.
  • If you need to streamline payments or improve cash forecasting, consider:

    • Automated Clearing House (ACH) services to move funds, including direct payroll deposit and electronic receivables and payments.
    • Remote Deposit Capture1 allows you to post receivables quickly and easily by scanning checks and sending electronic images to your account for deposit—right from your computer. It replaces the need to go to the bank to make deposits, and the daily deadline is 10 p.m. so you have both added convenience and processing of your items for quicker use of the money.
    • Another convenience to help you move funds efficiently is the use of an Automatic Account Sweep2. Idle funds from a checking account are moved automatically each evening to an investment account or to pay down lines of credit or loans so you are making the most of your available funds and keeping your borrowing costs to a minimum.
  • If you need to closely watch your payables (and who doesn’t?), Controlled Disbursement allows you to know exactly what checks are clearing your account each day by 10 a.m. As a result, you may reduce or eliminate overdrafts, minimize borrowing costs and increase earnings on overnight investments. No more guessing and leaving high idle balances.
  • If you’re concerned about fraud, products such as Debit Block, which prevents unauthorized ACH debits from posting against your company’s account, and Positive Pay, which matches your “sent checks” file against the bank’s “checks received” file, allow you to review “mismatch” errors or potential fraudulent transactions and make decisions about what to pay before posting against your account.
These are just a few of the services that will help you tame the cash flow beast. To find out more about how Treasury Management Services can help you improve cash flow and maximize efficiency, contact Robin.Mink@pnc.com.



1 Funds may not be available for immediate withdrawal. Remote deposit users should refer to their remote deposit service agreement and the applicable Funds Availability Policy for your PNC Business Checking account to determine when your funds will be made available.

2 The Automatic Account Sweep service sweeps funds to money market mutual funds. Shares of mutual funds are not insured or guaranteed by the FDIC or other government agency, and are not deposits or other obligations of, or guaranteed or endorsed by, any bank. Such securities involve investment risk, including possible loss of principal amount invested. There is no assurance that the funds will maintain a stable net asset value of $1.00 per share. You should read the prospectus and consider the investment objectives, risks, charges and expenses of the fund carefully before investing. Investments: Not FDIC Insured. No Bank or Federal Government Guarantee. May Lose Value.

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

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