Small Business Checking Accounts

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

Offers expire March 31, 2025

Featured Business Checking Account

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Business Checking

A business checking account equipped with all the essentials.

  • $12 or $0 monthly account maintenance fee with qualifying activities: How to pay $0/month
  • 150 monthly transactions at no charge[3]
  • $5,000 monthly in cash deposits at no charge[4]

Business Checking

A business checking account equipped with all the essentials.

  • $12 or $0 monthly account maintenance fee with qualifying activities: How to pay $0/month
  • 150 monthly transactions at no charge[3]
  • $5,000 monthly in cash deposits at no charge[4]

Additional Business Checking Accounts

Business Checking Plus

An account that grows with you and your business.

Earn $400

Treasury Enterprise Plan

Elevate your business with unmatched flexibility.

Earn $1,000

  • $50 or $0 monthly account maintenance fee with qualifying activities: How to pay $0/month
  • 2,500 monthly transactions at no charge[3]
  • $50,000 monthly in cash deposits at no charge[4]
  • The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts

Analysis Business Checking

For businesses that want an earnings credit for all balances.

Earn $1,000

  • $25 monthly account maintenance fee which can be reduced or offset by an Earnings Credit applied towards your monthly account maintenance fee and certain transaction fees.[5]
  • Pay only for the banking services you use each month.
  • Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping, and service charges.

Need Help Finding the Account that Fits Your Business?

Frequently Asked Questions

You may find answers to your questions and concerns in our Frequently Asked Questions.

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

  • MMDA Sweep
  • 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 a 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 Functions
  3. Establish Payables and Receivables
  4. Set Up Card Payment 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.

  • Maintain $500

Average Monthly Collected Balance in this account

OR

  • Use a linked PNC business credit card to make a minimum of $500 in eligible purchases[6,7,8]

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.[7,9,10,11]

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[6,7,8]

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.[7]

OR

  • Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 in qualifying monthly processing deposits.[7,9,10,11]

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).[7]

*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[5] 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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