Earn a cash reward when you open & use a new qualifying PNC business checking account by December 31, 2022. View Offer Details

Business Checking for Basic Needs

Ideal for small businesses and startups.

Features & Benefits

You need a basic business checking account, plus the convenience to bank on your terms, whether day or night.

Avoid Monthly Account Maintenance Fee

See Ways to Avoid the Monthly Account Maintenance Fee.

Bank Day and Night

Use Online Banking and Bill Pay or Remote Deposit for banking, without making trips to the bank.

Get Cash Rewards

Earn cash with PNC Purchase Payback®[1] for making everyday purchases.


  • No charge for up to 150 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.[2]
  • $5,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.[3]
  • Cash Flow Insight®[4]: Spend Analysis, Timeline, Trend, Cash In, Cash Out - tools and insights to help operate your business confidently. Cash Flow Insight is enabled for all eligible new business checking account customers enrolling in Online Banking.
  • No charge for Online Statements, or get Paper Statements for a small fee.
  • No ATM transaction fees at PNC Bank ATMs.
  • Free PNC Bank Visa® Business Debit Card.
  • No set-up fee for Overdraft Protection.
  • Free Online Banking[5] and Bill Pay.[6]
  • Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.

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

Pricing

What you need to know.

Required Minimum to Open: $100

Monthly Account Maintenance Fee: $10

There is no Monthly Account Maintenance Fee
for the first three statement cycles.

3 Ways to Avoid the Monthly Account Maintenance Fee:

Each month the PNC business checking account will be automatically reviewed to see if it qualifies for an account maintenance fee offset by meeting any ONE of the following three 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.[7,8,9]

During the billing cycle ending immediately prior to the date the Monthly Account Maintenance Fee is to be assessed to the PNC business checking account.

OR


Maintain a linked PNC Merchant Services® account and generate a minimum of $500 in qualifying monthly processing deposits.[10,11,12]

The PNC Business checking account receiving PNC Merchant Services processing deposits is the only account eligible to avoid the Monthly Account Maintenance Fee.

For each months’ statement cycle, we will review each of the three options above to determine if any one option is met to avoid the Monthly Account Maintenance Fee. You do not need to qualify in the same manner each statement cycle.

View complete Business Checking Account and Related Charges

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.[5,6]
  • Cash Flow Insight®[4]Includes tools and insights to help operate your business confidently. 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. Cash Flow Insight is included with all eligible business checking accounts.
Cash Flow Solutions screen

Improve Payment Practices and Accelerate Receivables

  • Cash Flow Insight® – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.[13]
  • Cash Flow Insight® – Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.[13]
  • Cash Flow Insight® – Sync: 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.[13,14]
  • PNC Bank Visa® Business Debit Card: Save money when you reduce the number of checks you need to buy and write.
  • Visa® Business Credit Card[9]: No Annual Fee. Use your card to make payments and better track your expenses.
  • PNC Merchant Services®[10]: Next business day funding[11] on payment processing transactions when deposited to your PNC business checking account.[12]

How to Apply

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

Call Us

Mon - Fri:
8:30 a.m. – 8:00 p.m. ET

Visit Us

Find a PNC location near
you and stop by to see us.

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

Determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:

  • SSN of owner who will sign on the account
  • Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration

  • SSN of partners who will sign on the account
  • Partnership Agreement
  • Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of members, managers or partners who will sign on account
  • Operating Agreement   
    • An Operating Agreement may not be necessary if it isn’t required by the state. Additional supporting documentation may be requested for account opening.    
  • Limited Partnership Agreement (LLP only)
  • Certification of Formation/Organization (LLC) or Certificate of Limited Partnership (LLP)
  • Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business.  Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of officers or directors who will sign on account
  • By-laws
  • Articles of Incorporation and any amendments
  • Certification of Formation/Organization
  • Board of directors meeting minutes (signed and dated).
  • Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business.  Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of officers or directors who will sign on the account
  • By-laws
  • Certification of Formation/Organization
  • Board of directors meeting minutes (signed and dated)
  • Authorization letter on company letterhead
  • Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration.
  • Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • Review the entity type above associated with your Non-Profit Organization to determine which documents to provide (Partnership, LLC, Corporation)
  • A 501(c) tax form or state Non-Profit registration may be needed for certain product eligibility

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

To start your application, please call us at 1-855-762-2365 between the hours of 8:30 a.m. and 8:00 p.m. ET, Monday through Friday.

 

Have Questions?

We're here to help.

Call Us

Mon - Fri: 7 a.m. - 10 p.m. ET
Sat - Sun: 8 a.m. -  5 p.m. ET

Visit Us

Find a PNC location near you and stop by to see us.