Move Forward with Business Checking Account Offers

Open and use a qualifying checking account to earn cash rewards.1,2

Offers expire December 31, 2026

Move Forward with Business Checking Account Offers

Open and use a qualifying checking account to earn cash rewards.[1,2]

Offers expire December 31, 2026

How to Earn $400[1] or $1,000[2]

Earn $400

  • Open a new Business Checking or Business Checking Plus account by 12/31/26.
  • For each of the first three statement cycles: maintain a minimum average ledger balance of $2,000 & make at least 10 total qualifying transactions.[1]

Earn $1,000

  • Open a new Treasury Enterprise Plan or Analysis Business Checking account by 12/31/26.
  • For each of the first three statement cycles: maintain a minimum average ledger balance of $30,000.[2]

Offers valid through December 31, 2026.

Choose Your Checking Account

Different Versions Designed to Fit Your Business Needs.

Earn $400

Business Checking


When you only need the basics

  • 150 monthly transactions at no charge[3]
  • $5,000 monthly in cash deposits at no charge[4]

$12 or $0 monthly account maintenance fee with qualifying activities

Earn $400

Business Checking Plus


When you need more than just the basics


$22 or $0 monthly account maintenance fee with qualifying activities

Earn $1,000

Treasury Enterprise Plan


When you have higher deposits and transaction needs

  • Unlimited monthly transactions at no charge[3]
  • $50,000 monthly in cash deposits at no charge[4]
  • The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts[14]

$50 or $0 monthly account maintenance fee with qualifying activities

An Additional Option That May Fit Your Needs

Analysis Business Checking

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

  • Pay only for the banking services you use each month.
  • Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping, and service charges.

$25 monthly account maintenance fee which can be reduced or offset by an Earnings Credit[15] applied towards your monthly account maintenance fee and certain transaction fees.

Frequently Asked Questions

You may earn $400 by opening your Business Checking or Business Checking Plus account by September 30, 2026.[1] Then, maintain at least a $2000 minimum average ledger balance and complete 10 total qualifying transactions over the course of the next three statement cycles.

To earn $1000, open your Business Checking or Business Checking Plus account by September 30, 2026, and maintain a minimum average ledger balance of $30,000 for the next three statement cycles.[2]

The business checking account bonus may be deposited into your account within 90 days of meeting the terms for the bonus.

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, 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:

  • Your business's Tax Identification Number (TIN) (unless using a SSN for a Sole Proprietorship).
  • 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.
  • Optional access to a printer for copies of the application.

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

Open a Business Checking Account Online with PNC.

Business Checking has a monthly fee of $12. If you maintain a $500 average monthly balance, PNC may waive this fee. You may also make a minimum of $500 in monthly purchases using a PNC-linked business credit card[8][9][10] or maintain an eligible linked Merchant Account[8][11][12] and generate a minimum of $500 in qualifying monthly processing deposits.

Business Checking Plus has a monthly fee of $22. You may avoid this fee by maintaining a monthly collected balance of $5,000 or maintaining a $20,000 average balance between a connected checking and money market account.[8]

You may also use a linked PNC credit card [8][9][10]to make a minimum of $5,000 in purchases or maintain an eligible linked Merchant Account[8][11][12] and generate a minimum of $5,000 in qualifying monthly processing deposits.

Qualifying transactions include ACH, Wire, or Zelle® debits or credits; PNC Visa® Business Debit Card purchases; deposits made using PNC Remote Deposit; checks deposited into or written from your business checking account; PNC Online Banking or Bill Pay payments; or electronic deposits of funds from PNC associated with your merchant accounts with PNC Merchant Services Company® or Tempus Technologies® (including PNC Mobile Accept®).

What You Will Need To Apply?

$100 minimum required to open.