Business Checking Plus

For businesses that need more than just the basics.

You do more volume and variety in your transactions, and need the features to match. Get more transactions — plus powerful tools to help you track and manage cash flow.

Earn up to $200
when you open a qualifying PNC business checking account by 12/31/18.

It's Easy to Get Started. Apply Online or Request a Coupon to Apply at a PNC Branch.

Get Offer Details »

Special Offer
Key Features
Higher Limits

More combined transactions and cash deposited activity without charge.

Offset Monthly Account Maintenance Fee

Let a PNC Banker show you opportunities to offset monthly maintenance fee

Bank Day and Night

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

Features and Benefits

  • No charge for up to 500 items 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, in the ATM, at the night depository or via Quick Deposit at no charge
  • More opportunities to offset monthly account maintenance fee than Business Checking
  • No charge for Cash Flow Insight℠ - Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)
  • No charge for online statements
  • No ATM transaction fees at PNC Bank ATMs [1]

Ways to Offset Your Monthly Account Maintenance Fee

A PNC Banker can show you how to use PNC cash flow solutions to help you make the most of your cash flow.

When You Use These PNC Cash Flow Solutions:

  • Maintain a linked PNC Merchant Services® account[7] (some exclusions might apply)
  • Use a linked PNC Business Credit Card[8] to make a minimum of $2,000 in eligible monthly purchases[5]
  • Maintain a Visa Signature® BusinessOptions℠ Credit Card[8]
  • Use:[6]
    • Deposit On-Site
    • DepositNow®
    • PINACLE®
    • Cash Logistics Services
    • Remote Safe
    • Cash Flow Insight℠ Payables
    • Cash Flow Insight Receivables

Or, Maintain any of the following PNC Account Balances:

  • $5,000 Average Monthly Collected Balance in this account
  • $20,000 Average Combined Collected Balance in linked PNC business checking and business money market accounts[4]
  • $40,000 Average Combined PNC business loan balances[4]

Otherwise, the monthly account maintenance fee for Business Checking Plus is $20.

Required Minimum to Open:  $250

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.

Accelerate Receivables

  • 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, all for $15 per month.
  • PNC Merchant Services®[7] - Next-day funding on payment processing transactions when deposited to your Business Checking account.

Improve Payment Practices

  • Visa® Business Debit Card - Save money when you reduce the number of checks you need to buy and write
  • Visa® Business Credit Card[8] - No Annual Fee. Use your card to make payments and better track of your expenses.
  • Cash Flow Insight℠ – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically and sync seamlessly with your existing accounting software[9], all for $15 per month.

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.[3]
  • Cash Flow Insight℠ – Base (Spend Analysis Timeline, Trend, Cash In, Cash Out)  Make more informed financial decisions and turn seeing into doing,  included at no extra charge with your Business Checking Plus account.
  • Cash Flow Insight℠ – Spend Analysis: When you enroll in Cash Flow Insight℠ our Spend Analysis tool will automatically assign business categories to your posted PNC business checking account transactions. This will help you monitor where you and your employees are spending and plan & budget for future business needs.


How to Apply

Associated Products & Services

PNC points® Visa® Business Credit Card

Get an introductory 0% APR for the first 9 billing cycles following account opening on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening.

Learn More »

PNC Merchant Services

We help you streamline incoming payments by providing solutions for authorizing, clearing and settling credit and debit card transactions.

Learn More »

Cash Flow Insight℠

Manage your business's cash flow with efficiency, control and insight with our innovative suite of online tools.

Learn More »

Important Legal Disclosures & Information

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

  2. 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.

  3. There may be a fee for certain optional services available through online banking.

  4. A maximum of 10 eligible accounts may be linked to a business checking account in each of the business checking, money market, loan, business credit card and merchant services categories. Each eligible account may only be linked to one business checking account. Eligible loan accounts will be automatically linked to the business checking account from which an automatic payment is deducted. Eligible business credit cards will be automatically linked to a business checking account using the same primary name and considering the following factors, in order of priority: a) the business checking account open the longest, and b) the business checking account with the lowest account number. Eligible Merchant Services accounts will be automatically linked to the business checking account used as the settlement account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. PNC linked loan accounts must be in good standing, paying as agreed, and not suspended, revoked or frozen; the outstanding balance on business lines of credit and the original principal amount for term loans will be used to determine the average combined loan balance. If a term loan is amended or restated, the loan balance outstanding as of the date of the amendment or restatement will be considered as the principal amount when determining the average combined PNC loan balance. Subject to credit approval.

  5. 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. Purchases made with PNC BusinessOptions® Visa Signature® credit cards are excluded.

  6. To receive relationship benefits, the checking account must be set up as the billing account for the applicable service.

  7. 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.

  8. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank Business Credit Cards.

  9. 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®, Xero®. Users of other accounting software such as Sage 50 and Microsoft Dynamics® can use the import/export functionality within Cash Flow Insight at no additional cost. 

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

DepositNow is a registered trademark of Fundtech, Inc. Eligibility for DepositNow is subject to bank approval and a PNC business checking account is required to use DepositNow.

Cash Flow Insight is a service mark of The PNC Financial Services Group, Inc.

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.

equal housing lender