Small Business Checking Accounts

Earn $400, $500, or $1,000 in cash rewards when you open and use a qualifying checking account.[1,2]

Offers expire December 31, 2024

Business Checking

Earn $400 and get the tools to move your business forward.

  • Monthly Account Maintenance Fee: $12/month or $0/month with qualifying activities
    How to pay $0/month
  • Monthly Transactions at No Charge: 150
  • Monthly Cash Deposit Allowance at No Charge: $5,000

Additional Small Business Checking Accounts

Designed to Fit Your Business Needs

Business Checking Plus

An account that grows with you and your business.

The ideal checking account for a more established business with growing needs. Allows you to deposit more cash and have more transactions along with additional benefits that work for you.

  • Monthly Account Maintenance Fee: $22/month or $0/month with qualifying activities
    How to pay $0/month
  • Monthly Transactions At No Charge: 500

  • Monthly Cash Deposit Allowance at No Charge: $10,000

Treasury Enterprise Plan

Elevate your business with unmatched flexibility and features.

You have more volume and variety in your transactions and want more tools to help you track and manage cash flow. You may want to link multiple checking accounts for easier bookkeeping, or may need a sweep account to earn interest on your excess balances.

  • Monthly Account Maintenance Fee: $50/month or $0/month with qualifying activities
    How to pay $0/month
  • The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts
  • Monthly Transactions At No Charge: 2500

  • Monthly Cash Deposit Allowance at No Charge: $50,000

Analysis Business Checking

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

You need a solution that helps simplify things, and can link multiple checking accounts for easier bookkeeping, has tools to manage cash flow, and applies an earnings credit on all balances so you only pay for the banking services you use. An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees. [8]

Need Help Finding the Account that Fits Your Business?

Frequently Asked Questions

PNC checking solutions include these special-purpose business checking accounts:

  • Business Interest Checking
  • IOLTA - Interest On Lawyers Trust Account

Learn more about the additional checking solutions. 

Read more about what you will need when applying for an Business Checking account.

Including what you will need to start an application, what you will need when applying at a branch, and accepted forms of identification. 

There are 5 easy steps to switching your accounts to PNC. 

  1. Open Your Account
  2. Set Up Account Critical Function
  3. Establish Payables and Receivables
  4. Merchant Services
  5. Close Your Old Account

Read the full details and download our Quick Switch Checklist

PNC Business Banking can provide money market demand accounts, sweep accounts, or certificates of deposit to help your hard-earned money work for you until it's needed for your business.

Learn more about the Savings and Liquidity Management.

How to Avoid the Monthly Account Maintenance Fee

No Monthly Account Maintenance Fee for the first three statement cycles.

Each month the PNC business checking account will be automatically reviewed to see if it qualifies to avoid the monthly account maintenance fee by meeting any ONE of the following conditions.

 

Business Checking

  • Maintain $500

Average Monthly Available Collected Balance in this account

OR

  • Use a linked PNC business credit card to make a minimum of $500 in eligible purchases[1,2,3]

During the billing cycle ending immediately before the date the fee is to be assessed.

OR

  • Maintain a linked PNC Merchant Services® account and generate a minimum of $500 in qualifying monthly processing deposits.[2,5,6,8]

The account receiving PNC Merchant Services deposits is the only account eligible to avoid the monthly account maintenance fee

No Monthly Account Maintenance Fee for the first three statement cycles.

Each month the PNC business checking account will be automatically reviewed to see if it qualifies to avoid the monthly account maintenance fee by meeting any ONE of the following conditions.

 

Business Checking Plus

  • Maintain $5,000

Average Monthly Collected Balance in this account

OR

  • Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases[1,3,4]

During the billing cycle ending immediately before the date the fee is to be assessed.

OR

  • Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account.[4]

OR

  • Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 in qualifying monthly processing deposits.[4,5,6,7]

The PNC business checking account receiving PNC Merchant Services processing deposits is the only account eligible to avoid the monthly account maintenance fee.

No Monthly Account Maintenance Fee for the first three statement cycles.

Each month the PNC business checking account will be automatically reviewed to see if it qualifies to avoid the monthly account maintenance fee by meeting any ONE of the following conditions.

 

Treasury Enterprise Plan

  • Maintain $30,000* Average Monthly Collected Balance in this account.

OR

  • Maintain a combined Average Monthly Collected Balance of $30,000* in the master and all checking accounts within your Treasury Enterprise Plan (including Beneficiary Accounts).

*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.

An Earnings Credit[8] is also applied to average monthly collected balances in excess of $125,000 to reduce or offset certain fees. Fees will be charged as listed in the current fee schedule unless an Earnings Credit is applied to reduce or offset the fee.

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