BUSINESS CHECKING ACCOUNTS

Business checking that's good for your business cash flow.

Managing business cash flow starts with the right foundation to handle everyday transactions. We personalize your experience through a cash flow conversation with a PNC Banker to help identify that foundation — a PNC business checking solution with features and services tailored to your everyday transaction needs. Then use our experience to add other PNC solutions to help address all your unique cash flow challenges and help you to optimize your cash flow. The result can be a comprehensive and more valuable banking relationship that delivers improved operating efficiency, increased accessibility and greater insight when it comes to your cash flow.

A PNC Banker can show you how the way you do business using PNC cash flow solutions can not only help you make the most of your cash flow, but result in opportunities to offset the checking account monthly maintenance fee.

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Best For: Smaller businesses with lower monthly check writing and deposit activity, and straight forward banking needs.
  • Ways to to Save Money - Offset the monthly account maintenance fee by meeting the checking balance requirement, or use one or more ways PNC can help you better receive, disburse and manage your business’ cash flow
  • 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]
  • Feel Secure - PNC Security Assurance protects all the ways you transact today -- through an ATM, by phone, by mail, in-store or on the Internet

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Best For: Growing businesses looking for more options and flexibility in managing their banking transactions
  • More Opportunities to Save Money - Offset the monthly account maintenance fee by meeting the checking balance requirement, or PNC business relationship balance requirement, or using one or more ways PNC can help you better receive, disburse and manage your business’ cash flow.
  • Optimize Your Cash Flow - 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
  • Save Time - 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 your qualified PNC Bank Premium Business Money Market Account[1] or PNC Bank Choice Creditsm for Business Line of Credit[3]
  • Feel Secure - PNC Security Assurance protects all the ways you transact today -- through an ATM, by phone, by mail, in-store or on the Internet

LEARN MORE

Best For: Larger businesses and especially those in select industries, looking for greater flexibility managing large transaction volumes and higher cash deposit levels.
  • More Opportunities to Save Money - Offset the monthly account maintenance fee by meeting the checking balance requirement, or PNC business relationship balance requirement, or using one or more ways PNC can help you better receive, disburse and manage your business’ cash flow.
  • Optimize Your Cash Flow - 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
  • Bank on Your Schedule - Our Online Banking and Bill Pay, PINACLE® Express and remote deposit products let you bank day or night without trips to the bank
  • Room to grow - Increased transaction and cash levels to meet your higher volume business activity
  • Save money - Use fewer checks when you pay bills electronically or use your Visa Debit Card for purchases
  • Earn more - Get bonus rates on select business Certificates of Deposit
  • Peace of Mind - Get optional overdraft protection from your PNC Premium Business Money Market Account[1]

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Best For: Businesses maximizing their banking services with high transaction volume and more complex cash management needs.
  • 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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Important Legal Disclosures and Information

  1. Federal regulation prohibits you from making more than a total of 6 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.

  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. Member FDIC