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.
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
- Treasury Enterprise Plan
- Analysis Business Checking
Business Checking Plus
Earn $400
Earn $200
Treasury Enterprise Plan
Earn $500 or $1,000
Earn $500 or $1,000
Analysis Business Checking
Earn $500 or $1,000
Earn $500 or $1,000
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.
- Open Your Account
- Set Up Account Critical Function
- Establish Payables and Receivables
- Merchant Services
- 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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Not Looking for a Business Checking Account?
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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.
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Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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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.
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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®.
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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.
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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.
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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.
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.