Move Forward with
Business Checking

Open and use a qualifying checking account to earn cash rewards.^1,2

Offers expire December 31, 2024

Business Checking Account Offers

Earn $400

Business Checking

When you only need
the basics

Apply Online

Apply at a Branch

Offer Details

Earn $400

Business Checking Plus

When you need more than just the basics

Apply Online

Apply at a Branch

Offer Details

Earn $500

OR Earn $1,000

Treasury Enterprise Plan

For businesses with higher cash deposit and transaction needs

Apply Online

Apply at a Branch

Offer Details

Earn $500

OR Earn $1,000

Analysis Business Checking

For businesses who want multiple checking accounts and earnings credit for all balances

Apply at a Branch

Offer Details

Choose Your Checking Account

Different Versions Designed to Fit Your Business Needs.

Business Checking
Business Checking Plus
Treasury Enterprise Plan
Analysis Business Checking

Business Checking

When You Only Need the Basics

Earn a $400 Cash Reward

When you open a new Business Checking account by 12/31/24 and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa^® Business Debit Card transactions within the first three statement cycles.^[1]

What You Get

No charge for up to 150 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.^[3]
No charge for up to $5,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.
Free Online Banking^[4]and Bill Pay.^[5]
Free Mobile Banking^[6]

View complete Business Checking Account and Related Charges

What You Need to Know

$100 minimum required to open.
$12 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $500 average monthly collected balance.
- OR, Use a linked PNC business credit card to make a minimum of $500 in eligible purchases.^[7,8,10]
- OR, Maintain an eligible Merchant Services account and generate a minimum of $500 in qualifying monthly processing deposits.^[11,12,14]

View Business Checking account details

Start an Application

Apply Online

Or, schedule an appointment to apply at a PNC branch.

Business Checking Plus

When You Need More Than Just The Basics

Earn a $400 Cash Reward

When you open a new Business Checking Plus account by 12/31/24 and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Business Debit Card transactions within the first three statement cycles.^[1]

What You Get

No charge for up to 500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received^[3]
No charge for up to $10,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge
More opportunities to avoid the monthly account maintenance fee than with the PNC Business Checking account.
Free Online Banking^[4] and Bill Pay^[5]
Free Mobile Banking^[6]

View complete Business Checking Account and Related Charges

What You Need to Know

$100 minimum required to open
$22 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $5,000 average monthly collected balance
- OR, Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases^[7,9,10]
- OR, Maintain a Merchant Services account and generate a minimum of $5,000 in qualifying monthly processing deposits^[11,12,14]
- OR, Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account^[9]

View Business Checking Plus account details

Start an Application

Apply Online

Or, schedule an appointment to apply at a PNC branch.

Treasury Enterprise Plan

For Businesses with Higher Cash Deposit and Transaction Needs

Earn a $500 Cash Reward

When you open a new Treasury Enterprise Plan by 12/31/24 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.^[2]

Earn a $1,000 Cash Reward

When you open a new Treasury Enterprise Plan by 12/31/24 and maintain a minimum average ledger balance of $100,000 for each of the first three statement cycles.^[2]

What You Get

No charge for up to 2,500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.^[3]
No charge for up to $50,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit.
Up to four additional business checking accounts with no Monthly Account Maintenance Fee. You have the option to add more than four beneficiary accounts for an additional $10.00 Monthly Account Maintenance Fee for each beneficiary account over four.*
Two investment options for excess cash: Premium Business Money Market Account or MMDA Sweep Account with no Monthly Account Maintenance Fee.
More online banking options – Free Online Banking^[4] and Bill Pay.^[5]

View complete Business Checking Account and Related Charges

* The monthly average collected balance, transaction, and cash deposited volumes are aggregated for the master and all beneficiary accounts to determine Earnings Credit, Master Monthly Account Maintenance Fee, transaction and cash deposit fee amounts.

What You Need to Know

$100 minimum required to open.
The Treasury Enterprise Plan is a Business Banking and Treasury Management checking services package for Analysis Business Checking accounts.
$50 Monthly Account Maintenance Fee, unless you maintain $30,000 Average Combined Monthly Collected Balance in the master and all additional beneficiary business checking accounts.
An Earnings Credit^[13] is applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.

View Treasury Enterprise Plan details

Start an Application

Apply Online

Or, schedule an appointment to apply at a PNC branch.

Analysis Business Checking

For Businesses Who Want Multiple Checking Accounts and Earnings Credit for All Balances

Earn a $500 Cash Reward

When you open a new Analysis Business Checking account by 12/31/24 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles^[2].

Earn a $1,000 Cash Reward

When you open a new Analysis Business Checking account by 12/31/24 and maintain a minimum average ledger balance of $100,000 for each of the first three statement cycles^[2].

What You Get

Pay only for the banking services you use each month
Simplify your account management - Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
More online banking options:
- Free Online Banking^[4] and Bill Pay^[5],
- For a more critical level of account information, move up to PINACLE® Express or PINACLE for great detail and more options (fees apply)

View complete Business Checking Account and Related Charges

What You Need to Know

$100 minimum required to open.
$25 monthly account maintenance fee. Then, pay per-item-usage fees for the activity levels and services your business actually uses.
Account Balance Fee is assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit.
An Earnings Credit^[13] is applied to full average monthly collected balance to reduce or offset the monthly account maintenance fee and certain transaction fees.

View Analysis Business Checking account details

Start an Application

Schedule an appointment to apply at a PNC branch.

Checking Account Resources

Compare Accounts

5 Step Account Switch Kit

Account Services & Fees

What Will I Need to Apply?

Offer only available to businesses with an annual revenue less than $5 million.

You may earn a $400 reward if you open a new PNC Business Checking or PNC Business Checking Plus account.

To qualify for the reward, the new checking account must be opened between October 1, 2024 and December 31, 2024, and the following conditions must be met: (a) average ledger balance of $2,000 must be maintained in your new checking account for each of the first three statement cycles; and (b) at least 20 total qualifying PNC Visa® Business Debit Card transactions must be made within the first three statement cycles. Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.

Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible.

Already established, converted or repurposed PNC checking or savings accounts are not eligible.

Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle. A qualifying debit card transaction is defined as any debit card purchase made at point of sale using your signature or PIN; or a purchase made electronically or online using your debit card number, including recurring payments. Any combination of qualifying PNC Visa® Business Debit Card transactions is acceptable but must equal 20 within the first three statement cycles.

New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.

Offer may be extended, modified or discontinued at any time. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.

Please consult your tax advisor regarding your specific situation.
Offer only available to businesses with an annual revenue less than $5 million.

You may earn a $500 or $1,000 reward if you open a new PNC Treasury Enterprise Plan or Analysis Business Checking account.

To receive $500: Open a new PNC Treasury Enterprise Plan (including Analysis Business Checking) account. To qualify for the reward, the new checking account must be opened between October 1, 2024, and December 31, 2024, and an average ledger balance of $30,000 - $99,999 must be maintained in your new checking account for each of the first three statement cycles.

To receive $1,000: Open a new PNC Treasury Enterprise Plan (including Analysis Business Checking) account. To qualify for the reward, the new checking account must be opened between October 1, 2024, and December 31, 2024, and an average ledger balance of $100,000 or more must be maintained in your new checking account for each of the first three statement cycles.

These offers are mutually exclusive. If you qualify for a reward, you will only receive the highest reward you are eligible for.

Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.

Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible. Already established, converted or repurposed PNC checking or savings accounts are not eligible. If you change your account type after opening, the account type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable. Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle.

New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.

Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.

Please consult your tax advisor regarding your specific situation.
See our Business Checking Accounts and Related Charges disclosure for further information.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
Online Bill Pay is a free service within PNC Online Banking to residents within the US, a qualifying checking account to use this service. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
PNC linked business credit card eligible purchases are purchases of goods or services made by you or your authorized user with an eligible linked business credit card account and includes balance transfers and convenience checks that are not subject to the cash advance rate. Eligible purchases do not include interest, fees and charges assessed to the business credit card account, cash advance transactions (including convenience checks that are subject to the cash advance rate), and purchases made at merchants with gambling or gaming merchant category codes. Subject to credit approval.
A maximum of 10 eligible accounts may be linked to a Business Checking account in each of the business credit card and merchant categories. Each eligible account may only be linked to one Business Checking account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. Subject to credit approval.
A maximum of 10 eligible accounts may be linked to a business checking account in each of the business checking, money market, business credit card and merchant categories. Each eligible account may only be linked to one business checking account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. Subject to credit approval.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
Merchant Services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
A qualifying deposit is an electronic deposit made directly into this checking account by PNC of funds associated with your Merchant Account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement. Eligible Merchant Account means an active merchant payment processing account with PNC Merchant Services® Company or Tempus Technologies, Inc., Subsidiaries of PNC Bank N.A., including PNC Mobile Accept®.
The earnings credit rate on Analysis Business Checking or Treasury Enterprise Plan accounts is subject to change without notice. Please call 877-BUS-BNKG (877-287-2654) for current rate and balance tier information or for an example of how the earnings credit is applied to the balances in your account.
Except as is otherwise set forth in your agreement for merchant services, your funds for transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.

Offers, products and pricing subject to change.

Visa is a registered trademark of Visa International Service Association and used under license.

PNC Bank and PINACLE are registered marks of The PNC Financial Services Group, Inc. ("PNC").

Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

Move Forward with
Business Checking

Open and use a qualifying checking account to earn cash rewards.^1,2

Business Checking Account Offers

Business Checking

Business Checking Plus

Treasury Enterprise Plan

Analysis Business Checking

Choose Your Checking Account

Different Versions Designed to Fit Your Business Needs.

Business Checking

When You Only Need the Basics

What You Get

What You Need to Know

Start an Application

Business Checking Plus

When You Need More Than Just The Basics

What You Get

What You Need to Know

Start an Application

Treasury Enterprise Plan

For Businesses with Higher Cash Deposit and Transaction Needs

What You Get

What You Need to Know

Start an Application

Analysis Business Checking

For Businesses Who Want Multiple Checking Accounts and Earnings Credit for All Balances

What You Get

What You Need to Know

Start an Application

Checking Account Resources

SUPPORT

ON THE GO

ABOUT

Move Forward with Business Checking

Open and use a qualifying checking account to earn cash rewards.1,2

Business Checking Account Offers

Business Checking

Business Checking Plus

Treasury Enterprise Plan

Analysis Business Checking

Choose Your Checking Account

Different Versions Designed to Fit Your Business Needs.

Business Checking

When You Only Need the Basics

What You Get

What You Need to Know

Start an Application

Business Checking Plus

When You Need More Than Just The Basics

What You Get

What You Need to Know

Start an Application

Treasury Enterprise Plan

For Businesses with Higher Cash Deposit and Transaction Needs

What You Get

What You Need to Know

Start an Application

Analysis Business Checking

For Businesses Who Want Multiple Checking Accounts and Earnings Credit for All Balances

What You Get

What You Need to Know

Start an Application

Checking Account Resources

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

Move Forward with
Business Checking

Open and use a qualifying checking account to earn cash rewards.^1,2