Business Checking Accounts

Every business needs a good foundation, starting with a PNC business checking account.

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PNC - Business Checking
High-volume cash management made easy.

You have large transaction volumes, need multiple special purpose accounts, or simply have higher cash deposit activity. Or, you may need all three and also desire greater flexibility and tools for tracking and managing your more complex cash flow.

  • Optimize your cash flow with PNC Cash Flow Insight℠- Use the tools offered in Cash Flow Insight to bring your paper and online processes, banking and accounting data, customer and vendor payments together in one place
  • Room to grow - Increased transaction and cash levels to meet your higher volume business activity

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PNC - Business Checking Plus
For businesses that need more than just the basics.

You do more volume and variety in your transactions, and need the features to match. Get more transactions — plus powerful tools to help you track and manage cash flow.

  • Optimize your cash flow with PNC Cash Flow Insight℠ - Use the tools offered by Cash Flow Insight to bring your paper and online processes, banking and accounting data, customer and vendor payments together in one place
  • Higher limits - More combined transactions and cash deposited activity without charge than Business Checking

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PNC - Business Checking
Just the basics, anytime.

You need checking, but don’t do a lot of transactions. You need the basics, plus the convenience to bank on your terms, day or night.

  • Save more, use less - use the free PNC Bank Visa® Business Debit Card to reduce the number of checks you need to buy and write
  • Bank on your schedule - Our Online Banking and Bill Pay and remote deposit products let you bank day or night without trips to the bank
  • Peace of mind - get optional overdraft protection for this account from a qualified PNC Bank Premium Business Money Market Account[1], a PNC business credit card[2] or PNC Bank Choice Credit® for Business Line of Credit[3]

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Treasury management to fit your business.

You need a solution that simplifies things that can link multiple checking accounts for easier bookkeeping, has powerful tools to manage cash flow, and applies an earnings credit on all balances so you only pay for the banking services you use.

  • More options - Get increased flexibility and control over your accounts
  • Save money - Pay for only the banking services you use
  • More information reporting - enhanced online options that keep up with the pace of your business
  • Checking that pays for itself - deposit balances earn credits to reduce or offset the cost of banking services
  • Simplify your account management - link multiple accounts and streamline your bookkeeping and service charges

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

  • Business Sweep Checking
  • Non-Profit Checking
  • Business Checking with Interest
  • IOLTA - Interest On Lawyers Trust Accounts

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Associated Products & Services

Cash Flow Insight℠ Testimonials

See how Cash Flow Insight℠ has helped actual business owners to successfully manage their cash flow challenges.

Hear Their Stories »

Remote Check Deposit Solutions

Enhance your PNC experience! With DepositNow you can process receivables faster and deposit checks into your PNC business checking account, any time of the day or night. It’s easy – simply scan, transmit and deposit.

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PNC Merchant Services

We help you streamline incoming payments by providing solutions for authorizing, clearing and settling credit and debit card transactions.

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Important Legal Disclosures and Information

  1. Federal regulations prohibit you from making more than a total of six transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market or savings account to a business checking account and will be subject to the features and fees as described in the Business Checking Account and Related Charges in effect at that time. See our Business Banking Account Information — Business Checking Accounts and Related Charges disclosure at for further information.

  2. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank Business Credit Cards.

  3. All loans and lines of credit subject to credit approval and require automatic payment deduction from a PNC Bank business checking account. Origination and annual fees may apply.

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

Bank deposit products and services provided by PNC Bank, National Association (N.A.). Member FDIC