Small Business Checking Accounts

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.

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.

• 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.

• 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.

• 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.