Tench Francis Jr. (1731–1800) was an American merchant, lawyer and agent for the family of William Penn and the first cashier of the Bank of North America.

Francis was born the son of Elizabeth Turbutt and Tench Francis Sr., a prominent Philadelphia lawyer and jurist, at Fausley in Talbot County, Maryland, in 1730.

Francis was agent for the William Penn family in connection with their proprietary interests in the colonial-era Province of Pennsylvania.

He was the first cashier of the Bank of North America, a position he held until his death.

Francis later headed the commission that laid out the city of Pittsburgh.