Get Started with PNC
You do more volume and variety in your transactions, and need the features to match. Get more transactions — plus tools to help you track and manage cash flow.
There is no monthly account maintenance fee for the first three statement cycles.
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 four conditions:
Average Monthly Collected Balance in this account
Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases[6,7,8]
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.
Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 in qualifying monthly processing deposits.[7,9,10]
The PNC Business checking account receiving PNC Merchant Services processing deposits is the only account eligible to avoid the monthly account maintenance fee.
Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account
The monthly statement cycle review checks all four options above to determine if one of the account fee options were met to avoid the monthly account maintenance fee - you do not need to choose one option or qualify in the same manner each cycle to avoid the fee.
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
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.
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.
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.
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, 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.
Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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.
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.
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.
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.
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)). Offers may be extended, modified or discontinued at any time without notice and may vary by market. 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.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
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.
Visa is a registered trademark 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 (N.A.), a wholly-owned subsidiary of The PNC Financial Services Group, Inc. 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.