Analysis Business Checking

For businesses who want multiple checking accounts and earnings credit for all balances.


Features & Benefits

The solution that helps you simplify things by linking multiple checking accounts for easier book keeping, where you pay for the banking services you use.

Cash Flow Insight®[1,9]

Manage what's coming in, create invoices, and keep an electronic archive of invoices - all in one place.

Account Fees

An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees[2].

Treasury Management
to Fit Your Business

Designed to work as part of a suite of PNC tools to best serve your business.

  • Checking that can pay for itself - Earnings Credit on deposit balance help reduce or offset the cost of banking services[2]
  • Save money - Pay only for the banking services you use each month
  • More online banking options – Free Online Banking and Bill Pay[3,4], or for a more critical level of account information, move up to PINACLE® Express or PINACLE for great detail and more options (fees apply)
  • Simplify your account management - Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
  • No charge for Paper Statements, or get Printed Image Statements for a small fee
  • No ATM transaction fees at PNC Bank ATMs and non-PNC Bank ATMs[5]
  • Free PNC Bank Visa® Business Debit Card
  • No annual Fee Visa® Business Credit Card[6]
  • Optional Check Safekeeping
  • PNC Purchase Payback®[7] – Earn cash back for purchases at some of your favorite places.

      Not sure if Analysis Business Checking is right for you? Compare features with other PNC Business Checking Accounts.

Earn a $500 Cash Reward

When you open an Analysis Business Checking account by 3/31/21 and maintain a minimum average cycle balance of $30,000 for each of the first three statement cycles. 



What you need to know.

Required Minimum to Open: $100

Monthly Account Maintenance Fee: $20*

Then, pay per-item fees for the activity levels and services your business actually uses. An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees[2]

Business Checking Account Selector Tool

Use this tool to compare PNC's business checking accounts side-by-side and find one that fits your business needs. Choose Your Account »


Cash Flow Solutions

Take control over what’s in, what’s out and
what’s possible for your business. 

Monitor and Project Cash

  • Online Banking & Bill Pay - Free online access to deposit and loan account balances, activity and recent history, paid check and deposit ticket images, transfer funds between PNC deposit and loan accounts, and pay or receive business bills electronically.[3,4]
  • Cash Flow Insight®[1]: Tools and insights to operate your business confidently, all for $10 per month. Monitor, plan and budget your spending with business transaction categorization in Spend Analysis, get a calendar and graphical view of your upcoming transactions and balances with Timeline, plan for the future by comparing it to past performance with Trend, and forecast the money you expect to receive and payments you expect to make with Cash In and Cash Out.
  • Overdraft Protection - Get optional overdraft protection for this account from a qualified PNC Bank Premium Business Money Market Account, a PNC business credit card[6] or PNC Bank Small Business Line of Credit.[8]
  • PINACLE® Express offers access to cash position information and to the treasury management tools to move your business forward. With a single sign-on, PINACLE Express offers time saving tools that can help you work more productively and make better business decisions.

Improve Payment Practices and Accelerate Receivables

  • Cash Flow Insight® – Payables[9]: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.
  • Cash Flow Insight® – Receivables[9]: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.
  • Cash Flow Insight® – Sync[9,10]: Save time by syncing vendor, customer, bill, invoice and payment information between Cash Flow Insight and your accounting software like QuickBooks®, Xero®, Intacct®, NetSuite® and more.
  • PNC Bank Visa® Business debit card - Save money when you reduce the number of checks you need to buy and write.


  • PNC business credit card[6] - (excludes PNC BusinessOptions® Visa Signature® ) No Annual Fee. Use your card to make payments and keep better track of your expenses.
  • PNC Merchant Services®[11] - Next business day funding[12] on payment processing transactions when deposited to your PNC business checking account.[13]
  • PNC Remote Deposit - PNC offers a choice of remote deposit solutions for businesses that are convenient and easy to use, and can help you optimize your cash flow. Deposit checks, day or night, without leaving your business.

How to Apply

We know you’re busy. We offer more ways to apply to make it easy to get started.

By phone: 1-855-762-2365
(Mon - Fri: 8 a.m. – 6 p.m. ET)

In person at a branch

Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.  

To start an application, we will need:

  • Your business's Tax Identification Number
  • A valid e-mail address if applying online
  • Access to a printer if applying online (optional)

What you need to take to the branch:

  • A government-issued photo ID and secondary form of identification from either of the primary or secondary ID lists below:
    Two forms of primary ID, or one form of primary ID and one of secondary ID can be used.
    • Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card
    • Secondary ID: US Visa, Paystub, home rental agreement, utility bill, major credit/debit card or vehicle registration
  • Documents verifying your business registration and your authority to act on behalf of and control, manage, or direct the business

Choose your business entity type to determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:

You may also want to review our current service charges & fees before applying.

Please call us at 1-855-762-2365 between the hours of 8:00 a.m. and 6:00 p.m. ET, Monday through Friday if you have any questions.

Have Questions? We're Here to Help.

Associated Products & Services

Business Checking Account Selector Tool

Use this tool to compare PNC's business checking accounts side-by-side and find one that fits your business needs.

Choose Your Account »

PNC Merchant Services®

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

Learn More »

Cash Flow Insight®

Manage your business's cash flow with efficiency, control and insight. See your business performance, plan for what's coming, track your expenses.

Learn How »

Important Legal Disclosures & Information

  1. Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. Free trial offer is valid for Cash Flow Insight for 30 days beginning with enrollment in Cash Flow Insight. The monthly and transaction fees for the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync) are waived for 60 days beginning with enrollment in any combination of the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync). One offer per customer per experience (Cash Flow Insight and additional tools (Receivables, Payables, and Accounting Software Sync)). For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.

  2. 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.

  3. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  4. Online Bill Pay is a free service within PNC Online Banking to residents within the US, a qualifying checking account to use this service. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

  5. The fee for cash deposited at an ATM is still applied

  6. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.

  7. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.

  8. All loans and lines of credit subject to credit approval and require automatic payment deduction from a business checking account. Additional fees may apply.

  9. Additional fees apply. Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees starting at $15. Transactions and additional user fees may apply. The $10 fee for Cash Flow Insight is waived if you are enrolled in any combination of Payables, Receivables, or Accounting Software Sync.

  10. Your Receivables and/or Payables data within Cash Flow Insight can sync with the following supported accounting software: QuickBooks® for Windows, QuickBooks® Online, Intacct®, NetSuite® and Xero®. There is a fee for this syncing service. Users of other accounting software, such as Sage 50 and Microsoft Dynamics® GP, can use the import/export functionality within Cash Flow Insight at no additional cost.

  11. Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.

  12. Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express 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.

  13. A qualifying PNC Merchant Services processing deposit is an electronic deposit made by PNC Merchant Services directly into this checking account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement.

Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. For more information, visit Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc.  U.S. Patent Nos. 10,402,910 and 9,965,808, and others patents pending

U.S. Patent Nos. 10,402,910 and 9,965,808, and other patents pending.

PNC and PINACLE® are a registered mark of The PNC Financial Services Group.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license. 

Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

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