PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Business Checking Plus
For businesses that handle a high volume of transactions.
Features & Benefits
Get more transactions plus tools to help you manage cash flow.
- No charge for up to 500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.
- $10,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.
- Cash Flow Insight®: Spend Analysis, Timeline, Trend, Cash In, Cash Out – tools and insights to operate your business confidently.
- No charge for Online Statements, or get Paper Statements for a small fee.
- No ATM transaction fees at PNC Bank ATMs.
- Free Visa® Business Debit Card.
- No set-up fee for Overdraft Protection.
- Earn cash with PNC Purchase Payback® for making everyday purchases.
- Free Online Banking and Bill Pay.
- Virtual Wallet® with Performance Select – a personal checking account with no monthly service charge for business owners - applied at your direction.
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Waive the Monthly Fee
4 options to avoid the Monthly Account Maintenance Fee
$22 or $0 Monthly Account Maintenance Fee
Waive fee if you meet ONE of the requirements:
- Maintain a $5,000 average collected monthly balance, OR
- $5,000 or more in purchases on a linked PNC business credit card, OR
- $5,000 or more in eligible linked Merchant Account deposits monthly OR
- Maintain a $20,000 average balance in a linked PNC business checking account and business money market account
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Improve Payment Practices & Accelerate Receivables
- Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.
- Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.
- 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.
- 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: No Annual Fee. Use your card to make payments and better track your expenses.
- PNC Merchant Services®: Next business day funding on payment processing transactions when deposited to your PNC business checking account.
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
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
- 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)
- 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).
- 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.
- 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.
Frequently Asked Questions
There are four different ways you may avoid paying the monthly maintenance fee for your PNC Business Checking Plus account. You may maintain an average collected monthly balance of at least $5,000 or a $20,000 average monthly balance in a linked PNC business checking account and business money market account. PNC also waives the monthly fee if you make $5,000 or more in purchases each month from a linked PNC business credit card or make $5,000 or more in deposits to a connected eligible merchant account per month.
PNC includes 500 transactions per month without charge for Business Checking Plus accounts. Transactions are deposits, deposited items, paid items, and ACH credits and debits received. The combined volume of deposit tickets counts towards the 500 transactions per month total.
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 Plus includes online bill pay, account management, and PNC Mobile Deposit, so you may bank 24/7. It also includes access to Cash Flow Insight® including Expense and Income Reports, Calendar, and Pay and Get Paid. These are tools designed to help you make informed decisions for your business.
Yes, overdraft protection is available for PNC Business Checking Plus accounts with no setup fee.
Business Checking Plus accounts also include the option to open a suite of fraud prevention tools. PINACLE® provides you with tools to monitor your account from wherever you are. Positive Pay solutions help identify suspicious activity early, and a Universal Payment Identification Code® lets you accept ACH Credits without revealing your banking information. ACH debit authorization solutions allow you to establish rules for filtering and decisioning when items post or to stop all ACH debits from posting.