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. See PNC Purchase Payback Rewards Program Terms and Conditions for additional details and limitations.
Open a Business Checking Account Online
Ideal for small businesses and startups
Features & Benefits
You need a basic business checking account, plus the convenience to bank on your terms, whether day or night.
- No charge for up to 150 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.[2]
- $5,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.[3]
- Cash Flow Insight®[4]: Spend Analysis, Timeline, Trend, Cash In, Cash Out - tools and insights to help operate your business confidently. Cash Flow Insight is enabled for all eligible new business checking account customers enrolling in Online Banking.
- No charge for Online Statements, or get Paper Statements for a small fee.
- No ATM transaction fees at PNC Bank ATMs.
- Free PNC Bank Visa® Business Debit Card.
- No set-up fee for Overdraft Protection.
- Free Online Banking[5] and Bill Pay.[6]
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Waive the Monthly Fee
3 options to avoid the Monthly Account Maintenance Fee
$12 or $0 Monthly Account Maintenance Fee
Waive fee if you meet ONE of the requirements:
- Maintain a $500 average collected monthly balance, OR
- $500 or more in purchases on a linked PNC Business Credit Card, [7,8,9] OR
- $500 or more in eligible linked Merchant Account deposits monthly [8,10,11,12]
The first three months are on us - There is No Monthly Account Maintenance Fee for the first three statement cycles.
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
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
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
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
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- 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)
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- 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 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).
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- 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 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.
- 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
- 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
A Business Checking account is a foundational banking tool designed for small businesses to manage daily financial transactions. It provides a secure way to deposit revenue, pay expenses, and handle routine cash flow needs, all while keeping personal and business finances separate. With features like online and mobile banking, it offers convenient access to funds, the ability to track spending, and tools for efficient cash management.
PNC’s Business Checking includes clear, predictable fees and streamlined account management, empowering business owners to focus on growth. It's an essential account for small businesses and startups needing reliable and straightforward banking to support their operations.
Applying for a PNC Business Checking account is quick and straightforward, with multiple options to suit your schedule:
- Apply online: Start your application at your convenience through PNC’s website.
- Call PNC: Speak with our Customer Care team at 1-855-762-2365, available Monday through Friday, 8:30 a.m. to 8:00 p.m. ET.
- Visit a branch: Stop by a PNC location near you to open an account in person. Set an appointment with your location branch to open your account. Use the branch locator on our website to find the nearest location.
Choose the method that works best for you, and PNC will guide you through the process.
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, Employee or Student ID with Photo, 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.
- What You Need to Apply for PNC Business Checking Accounts
- Your Business's Tax Identification Number (TIN), if available, otherwise primary owner’s Social Security Number (SSN).
- 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).
- A valid email address is required.
When visiting a branch, please bring all the required documentation to streamline the process.
A PNC Business Checking account requires a $100 minimum opening deposit. While $100 is the minimum to open the account, maintaining a higher balance or meeting other criteria can help you avoid Monthly Account Maintenance Fees.
The Monthly Account Maintenance Fee for a PNC Business Checking account is $12. This fee is waived for the first three statement cycles.
You can avoid the $12 monthly fee by meeting any ONE of these conditions:
- Maintain a $500 average monthly collected balance in the account.
- Use a linked PNC business credit card to make at least $500 in eligible purchases during the billing cycle ending before the fee assessment date. [15,16,17]
- Maintain an eligible linked Merchant Account and generate a minimum of $500 in qualifying monthly processing deposits. [17,18,19]
Your account is automatically reviewed each month to check if any of these conditions are met. You don't need to meet the same condition each month. PNC checks all three options every statement cycle to determine if the fee can be waived.
Yes, you can open a Business Checking account as an LLC. When opening a Business Checking account as an LLC, you will require the following documentation:
- SSN of members, managers, or partners who will be a signer 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.
- Certification of Formation/Organization (LLC)
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- 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.
- Legal name, Social Security Number, date of birth, address, citizenship, percentage of ownership