PNC Bank and ADP Embed Payroll and HR Tools in Digital Banking

What PNC Payroll by ADP includes

According to the companies, PNC Payroll by ADP will give small business banking customers access to payroll, HR, time tracking, insurance and retirement solutions directly through their digital banking platform. Businesses will be able to manage payroll alongside PNC's cash management and payment capabilities in a single digital environment.

The companies say small businesses traditionally handle payroll, HR and banking across multiple systems, and that the new offering brings those functions together in a single workflow. They add that embedding ADP's AI-enabled payroll and HR capabilities into PNC's digital experience lets businesses manage critical operations with greater confidence and accuracy.

Support and target customers

The offering is designed for businesses at different stages, from startups and one-person operations to more established companies looking to scale. ADP says the solution is built on its experience serving more than 900,000 small businesses.

PNC Payroll by ADP will combine digital self-service capabilities with access to 24/7 live ADP payroll experts. According to the announcement, AI-powered capabilities help automate routine tasks, while ADP's payroll experts provide guidance. ADP says it has more than 77 years of experience helping businesses manage payroll and navigate federal, state and local workplace requirements.

What the companies say

"Small businesses want technology that works together seamlessly," said Matt Farwell, president of Small Business Services at ADP. He said the collaboration brings together two of the systems small businesses rely on most, banking and payroll.

Dave Shorten, head of SMB Treasury Management at PNC Bank, said the collaboration "combines ADP's small business expertise and scalable solutions with PNC's relationship-driven approach to banking."

What it means for small businesses

The companies say the new offering helps reduce operational complexity, making it easier for small businesses to manage needs such as cash flow, payments, compliance and payroll. For PNC's small business banking customers, the practical change is that payroll and HR tools sit inside the banking platform they already use.

ADP describes the agreement as the latest expansion of its embedded payroll offerings, which extend payroll and HR capabilities into the digital experiences small businesses use every day. The announcement did not give pricing or a rollout date. More information is available at adp.com/embedded.