Business Checking

When you only need the basics

You need checking, but don’t do a lot of transactions. You need the basics, plus the convenience to bank on your terms, day or night.

Earn up to $200
when you open a qualifying PNC business checking account by 03/31/19.

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
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

Get Cash Rewards

With PNC Purchase Payback, earn cash back for purchases at some of your favorite places.[1]

Features and Benefits

  • No charge for up to 150 items 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, in the ATM, at the night depository or via Quick Deposit at no charge[3]
  • Opportunities to offset monthly account maintenance fee
  • Cash Flow Insight℠ Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)  help you make more informed financial decisions and turn seeing into doing, all for $10 per month
  • No charge for Online Banking Statement; $2.00 Paper Statement Fee
  • No ATM transaction fees at PNC Bank ATMs [3]
  • Free PNC Bank Visa® Business Debit Card
  • No set-up fee for Overdraft Protection
  • With PNC Purchase Payback[1], earn cash back for purchases at some of your favorite places, or similar places, you like to shop and dine.
  • Free Online Banking and Bill Pay[4]
  • Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.

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. (some exclusions might apply)[5]
  • Use a linked PNC business credit card[6] to make a minimum of $1,000 in eligible monthly purchases (PNC BusinessOptions Visa Signature credit cards are excluded)

Or, Maintain a PNC Account Balance of:

  • $1,500 Average Monthly Collected Balance in this account


Otherwise, the monthly account maintenance fee for Business Checking is $12.

Required Minimum to Open:  $100

View complete Business Checking Account and Related Charges

Cash Flow Solutions


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®[5] - Next-day funding on payment processing transactions when deposited to your business checking account.

Improve Payment Practices

  • 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[6] - (excludes Visa Signature® BusinessOptions) 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[7], 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.[4]
  • Cash Flow Insight℠ – Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)  Make more informed financial decisions and turn seeing into doing, all for $10 per month.
  • 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

Save Time, Save Money, with the Convenience and Security of PNC Online Banking and Bill Pay.

Enjoy the efficiency of managing your cash flow when you want, where you want with PNC Online Banking and Bill Pay.

Learn More »

Track, Monitor & Export Your PNC Business Credit Card Spending

Use Cash Flow Insight℠ Spend Analysis to view PNC business checking account and credit card spending by business category, monitor employee spending, export transactions, and more.

Learn More »

PNC Mobile Deposit Now Offers PNC Express Funds

When you deposit an approved check from your mobile phone, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.

Learn More »

Important Legal Disclosures & Information

  1. 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.

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

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

  4. 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.

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

  6. 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®. 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.

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.

All loans and lines of credit subject to credit approval and require automatic payment deduction from a business checking account. Origination and annual fees may apply.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license. 

Bank deposit products and services provided by PNC Bank, National Association (N.A.). Member FDIC

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