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 a Cash Reward
when you open and use a qualifying PNC business checking account by 12/31/19.

It's Easy to Get Started. Apply Online OR Request an offer email to Apply at a PNC Branch.

Get Offer Details »

Special Offer

Features and Benefits

Avoid Monthly Account Maintenance Fee

Let a PNC Banker show you product features that help avoid 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

Earn cash with PNC Purchase Payback®[1] for making everyday purchases.

  • 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
  • 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
  • Free Online Banking[4] and Bill Pay[5]
  • Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.


Required Minimum to Open:  $100

Monthly Account Maintenance Fee: $10

There is no monthly maintenance fee for the first three statement cycles.

3 Ways to Avoid 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 three conditions:

Maintain $500

Average Monthly Collected Balance in this account


Use a linked PNC business credit card to make a minimum of $500 in eligible purchases[6,7,8]

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 $500 in qualifying monthly processing deposits.[9,10,11]

The PNC Business checking account receiving PNC Merchant Services processing deposits is the only account eligible to avoid the monthly account maintenance fee.

The monthly statement cycle review checks all three options above to determine if one of the account fee options were met to avoid the monthly account maintenance fee - you do not need to choose one option or qualify in the same manner each cycle to avoid the fee.

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®[9] - Next-day funding[10] on payment processing transactions when deposited to your PNC business checking account.[11]

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[8] - No Annual Fee. Use your card to make payments and better track 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 with your existing accounting software[12], 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.[4,5]
  • 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

Maximize your time 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 »

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 »

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

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

  4. 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.

  5. 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.

  6. 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.  

  7. A maximum of 10 eligible accounts may be linked to a Business Checking account in each of the 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.

  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. 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.

  10. Next-day funding on card transactions processed by PNC Merchant Services when deposited into a select PNC Bank business checking account. Certain restrictions may apply. 

  11. 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.

  12. 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.

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

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

Visa and Visa Signature are registered trademarks 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.

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