Business Checking Plus

For businesses that handle a
high volume of transactions.


Features & Benefits

The solution for your larger volume and variety of transactions. Get more transactions plus tools to help you manage cash flow.


More combined transactions and cash deposited activity without charge.

Avoid Monthly Account Maintenance Fee

See Ways to Avoid the Monthly Account Maintenance Fee.

Bank Day
or Night

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

  • 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[1]
  • $10,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge[2]
  • Cash Flow Insight®[3]: 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
  • One free incoming Received Wire Transfer per month (Domestic only)
  • Free Visa® Business Debit Card
  • No set-up fee for Overdraft Protection
  • Earn cash with PNC Purchase Payback®[4] for making everyday purchases
  • Free Online Banking[5] and Bill Pay[6]
  • Personal Virtual Wallet® with Performance Spend checking account with no monthly service charge for business owners[1]
  • 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 »


What you need to know.

Required Minimum to Open: $100

Monthly Account Maintenance Fee: $22*

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

4 Ways to Offset 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 four conditions:


Maintain $5,000

Average Monthly Collected Balance in this account

Use a linked PNC business credit card to make a minimum of $5,000 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.

Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 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.

Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account[8]


For each months’ statement cycle, we will review each of the four 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®[3]: Tools and insights to 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 enabled for all eligible new business checking account customers enrolling in Online Banking.

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®[11]: Next business day funding[12] on payment processing transactions when deposited to your PNC Business Checking Plus account.[10]

How to Apply

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

Get started online

By phone: 1-855-762-2365
(Mon - Fri: 8:30 a.m. – 8 p.m. ET)

In person at a branch

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

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 1-877-BUS-BNKG »
Mon - Fri: 8:00 a.m. – 9:00 p.m. ET

Important Legal Disclosures & Information

  1. See our Business Checking Accounts and Related Charges disclosure for further information.

  2. Monthly limit for free cash deposits includes over-the-counter, at the night depository, and via Quick Deposit.

  3. 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. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. 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 (Receivables, Payables, and Accounting Software Sync). For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.

  4. 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.

  5. 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.

  6. 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.

  7. 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.  

  8. 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.

  9. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.

  10. 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.

  11. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc. Merchant Services are not deposit products. PNC Merchant Services does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are subject to application, credit review of the business and its owners, and approval.

  12. 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.

  13. Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees starting at $20. Transactions and additional user fees may apply. Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.

  14. 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. Must sign up for this service. 

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 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

U.S. Patent Nos. 10,402,910 and 9,965,808, and other patents pending.

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

Visa is a registered trademark of Visa International Service Association and used under license.

All other trademarks are the property of their respective owners.

Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

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