Earn a $400 Cash Reward

$400 special cash offer when you open a qualifying PNC Business Checking account by 6/30/26 and meet certain requirements. View Offer Details

Open a Business Checking Account Online

Ideal for small businesses and startups

Apply Online

Features & Benefits

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

Easily Waive the Monthly Account Maintenance Fee

Choose one of three ways to avoid the fee.

Get Cash Rewards

PNC Purchase Payback^®[1]means your everyday debit card purchases earn you cash.

Pay & Get Paid

Take payments, make deposits, and pay – all from your phone or tablet.

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.

Waive the Monthly Fee

3 options to avoid the Monthly Account Maintenance Fee

$12 or $0 Monthly Account Maintenance Fee
Waive fee if you meet ONE of the requirements:

Maintain a $500 average collected monthly balance, OR
$500 or more in purchases on a linked PNC Business Credit Card,^[7,8,9] OR
$500 or more in eligible linked Merchant Account deposits monthly ^[8,10,11,12]

The first three months are on us - There is No Monthly Account Maintenance Fee for the first three statement cycles.

Account Services & Fees

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.

Improve Payment Practices and Accelerate Receivables

Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.^[13]
Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.^[13]
Accounting Software 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

Open your account online, by phone or at a branch.

Ways to Apply
What You Need to Apply Online
What You Need to Apply at Branch

Online

Share your information and
we'll review your application.

Get started

Call

Mon - Fri:
8:30 a.m. – 8:00 p.m. ET

888-811-0120

At a Branch

Connect with a banker and apply at a branch. An appointment is recommended, but not required.

Schedule an Appointment

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

To start an application at a branch, you will need:

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.

Schedule An Appointment

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 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

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

We're here to help.

Frequently Asked Questions

A Business Checking account is a foundational banking tool designed for small businesses to manage daily financial transactions. It provides a secure way to deposit revenue, pay expenses, and handle routine cash flow needs, all while keeping personal and business finances separate. With features like online and mobile banking, it offers convenient access to funds, the ability to track spending, and tools for efficient cash management.

PNC’s Business Checking includes clear, predictable fees and streamlined account management, empowering business owners to focus on growth. It's an essential account for small businesses and startups needing reliable and straightforward banking to support their operations.

Applying for a PNC Business Checking account is quick and straightforward, with multiple options to suit your schedule:

Apply online: Start your application at your convenience through PNC’s website.
Call PNC: Speak with our Customer Care team at 1-888-811-0120, available Monday through Friday, 8:30 a.m. to 8:00 p.m. ET.
Visit a branch: Stop by a PNC location near you to open an account in person. Set an appointment with your location branch to open your account. Use the branch locator on our website to find the nearest location.

Choose the method that works best for you, and PNC will guide you through the process.

To open a PNC Business Checking account, you'll need the following:

Personal Identification:

Two forms of ID: either two primary IDs or one primary ID and one secondary ID.

Primary IDs include a Driver’s License, Passport, State-Issued or Authorized City-Issued ID, Resident Alien ID, Military ID, Veteran’s Healthcare ID, Employee or Student ID with Photo, Firearm ID, or Global Entry Card.
Secondary IDs include a U.S. Visa, Pay Stub, Home Rental Agreement, Utility Bill, Major Credit/Debit Card, or Vehicle Registration.

Business Documentation:

What You Need to Apply for PNC Business Checking Accounts
Your Business's Tax Identification Number (TIN), if available, otherwise primary owner’s Social Security Number (SSN).
Documents verifying your business registration and your authority to act on behalf of the business. Requirements vary depending on your business type (e.g., Sole Proprietorship, LLC, Corporation).

Online Applications:

A valid email address is required.

When visiting a branch, please bring all the required documentation to streamline the process.

The Monthly Account Maintenance Fee for a PNC Business Checking account is $12. This fee is waived for the first three statement cycles.

You can avoid the $12 monthly fee by meeting any ONE of these conditions:

Maintain a $500 average monthly collected balance in the account.
Use a linked PNC business credit card to make at least $500 in eligible purchases during the billing cycle ending before the fee assessment date. ^[15,16,17]
Maintain an eligible linked Merchant Account and generate a minimum of $500 in qualifying monthly processing deposits. ^[17,18,19]

Your account is automatically reviewed each month to check if any of these conditions are met. You don't need to meet the same condition each month. PNC checks all three options every statement cycle to determine if the fee can be waived.

Yes, you can open a Business Checking account as an LLC. When opening a Business Checking account as an LLC, you will require the following documentation:

SSN of members, managers, or partners who will be a signer 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.
Certification of Formation/Organization (LLC)
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.
- Legal name, Social Security Number, date of birth, address, citizenship, percentage of ownership

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Need Help Finding the Account that Fits Your Business?

Compare Accounts

Have Questions?

We're here to help.

Call Us

Mon - Fri: 8 a.m. - 9 p.m. ET
Sat - Sun: 8 a.m. - 5 p.m. ET

1-877-BUS-BNKG (287-2654)

Visit Us

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

Find a PNC Branch or ATM

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. See PNC Purchase Payback Rewards Program Terms and Conditions for additional details and limitations.
See our Business Checking Accounts and Related Charges disclosure for further information.
Monthly limit for free cash deposits includes over-the-counter, at the night depository, and via Quick Deposit.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. Pay Receive Sync are available for enrollment exclusively within PNC Online Banking. The monthly and transaction fees for the Pay Receive Sync are waived for 60 days beginning with enrollment in any combination of Pay Receive Sync. Fee waiver period is offered to each customer one time only in a single continuous set of 60 days for Pay Receive Sync (any combination of the three tools).

For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit pnc.com/cashflowinsight. Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.
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 Digital Services Agreement.
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.
PNC linked business credit card eligible purchases are purchases of goods or services made by you or your authorized user with an eligible linked business credit card account and includes balance transfers and convenience checks that are not subject to the cash advance rate. Eligible purchases do not include interest, fees and charges assessed to the business credit card account, cash advance transactions (including convenience checks that are subject to the cash advance rate), and purchases made at merchants with gambling or gaming merchant category codes. Subject to credit approval.
A maximum of 10 eligible accounts may be linked to a Business Checking account in each of the business checking, business money market, business credit card and merchant categories. Each eligible account may only be linked to one Business Checking account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. Subject to credit approval.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
Merchant Services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
Except as is otherwise set forth in your agreement for merchant services, your funds for 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.
A qualifying deposit is an electronic deposit made directly into this checking account by PNC of funds associated with your Merchant Account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement. Eligible Merchant Account means an active merchant payment processing account with PNC Merchant Services® Company or Tempus Technologies, Inc., Subsidiaries of PNC Bank N.A., including PNC Mobile Accept®.
Enrollment in any combination of Pay Receive Sync will result in monthly subscription fees. Transactions and additional user fees may apply. Pay Receive Sync functions and data are only available for as long as enrollment in the service is maintained.
Your Payables and/or Receivables data within Pay Receive Sync 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 Pay Receive Sync at no additional cost. Must sign up for this service.
PNC linked business credit card eligible purchases are purchases of goods or services made by you or your authorized user with an eligible linked business credit card account and includes balance transfers and convenience checks that are not subject to the cash advance rate. Eligible purchases do not include interest, fees and charges assessed to the business credit card account, cash advance transactions (including convenience checks that are subject to the cash advance rate), and purchases made at merchants with gambling or gaming merchant category codes. Subject to credit approval.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
A maximum of 10 eligible accounts may be linked to a business checking account in each of the business checking, money market, business credit card and merchant services categories. Each eligible account may only be linked to one business checking account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. Subject to credit approval.
Merchant services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
A qualifying deposit is an electronic deposit made directly into this checking account by PNC of funds associated with your Merchant Account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement. Eligible Merchant Account means an active merchant payment processing account with PNC Merchant Services® Company or Tempus Technologies, Inc., Subsidiaries of PNC Bank N.A., including PNC Mobile Accept®.

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

Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc.

All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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

PNC and PNC Merchant Services are registered marks of The PNC Financial Services Group, Inc.

PNC Mobile Accept and Mobile Accept are registered marks of The PNC Financial Services Group, Inc.

Tempus Technologies is a registered mark of Tempus Technologies, Inc.

QuickBooks^® is a registered trademark of Intuit^®, Inc.

Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

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Welcome to PNC! How can we help you today?

Sign On to Online Banking or select another service

Open a Business Checking Account Online

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.

Easily Waive the Monthly Account Maintenance Fee

Get Cash Rewards

Pay & Get Paid

Waive the Monthly Fee

3 options to avoid the Monthly Account Maintenance Fee

Cash Flow Solutions

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

Monitor and Project Cash

Improve Payment Practices and Accelerate Receivables

How to Apply

Open your account online, by phone or at a branch.

Online

Call

At a Branch

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:

Sole Proprietorship

Partnership

LLC or LLP

Corporation

Unincorporated Association/Organization

Non-Profit Organization

We're here to help.

Frequently Asked Questions

What is a Business Checking account?

How do I apply for a Business Checking account?

What are the requirements to open a Business Checking account?

How much money do I need to open a Business Checking account?

Is there a Monthly Account Maintenance Fee?

Can I open a Business Checking account as an LLC?

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Need Help Finding the Account that Fits Your Business?

Have Questions?

We're here to help.

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