Welcome to PNC! How can we help you today?

When autocomplete results are available use up and down arrows to review and enter to select. Touch device users, explore by touch or with swipe gestures.
1-877-BUS-BNKG

Speak to a sales representative about our products and services.

Visit Customer Service »

Find answers to FAQs and view additional phone numbers so we can further assist you.

Compare PNC Business Checking Accounts

FILTER ACCOUNTS

Select 3 accounts from below to compare:

Business Checking[1]

Apply Online

What Will I Need to Apply? »

Learn More »

Business Checking Plus[1]

Apply Online

What Will I Need to Apply? »

Learn More »

Treasury Enterprise Plan[1]

Apply Online

What Will I Need to Apply? »

Learn More »

analysis business checking[1]

Schedule Appointment

What Will I Need to Apply? »

Learn More »

Just 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.

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 tools to help you track and manage cash flow.

For businesses with higher cash deposits or transactions.

You have more volume and variety in your transactions and want more tools to help you track and manage cash flow. You may want to link multiple checking accounts for easier bookkeeping, and may need a sweep account to earn interest on your excess balance. 

For businesses that want multiple checking accounts and earnings credit for all balances.

You need a solution that can help simplify things, and can link multiple checking accounts for easier bookkeeping, has tools to manage cash flow, and applies an earnings credit on all balances so you only pay for the banking services you use.
Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

$100

$100

$100
Monthly Account Maintenance Fee
Per Account
Earnings Credit+2

n/a

n/a

Applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.

Applied to full average monthly collected balance to reduce or offset the monthly account maintenance fee and certain transaction fees.
Pay No Monthly Account Maintenance Fee if You Meet Any ONE of the Following Per Account:
Maintain the minimum average monthly collected balance

$500

$5,000

$30,000
across multiple eligible accounts[3]

n/a
OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5

$500

$5,000

n/a

n/a
OR -- Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+4,6,7
OR -- Maintain average combined collected balance in linked business checking and money market accounts+4

n/a

$20,000

n/a

n/a
Account Fees & Features
Monthly Transactions Allowed at No Charge+8

150 transactions

500 transactions

2,500 transactions
across multiple eligible accounts[3]

Pay per transaction usage; fee varies by transaction
Fee for Each Additional Transaction Over Monthly Allowance

$0.50

$0.50

$0.50

Varies by transaction item
Monthly Cash Deposit Volume Allowance at No Charge+9

$5,000

$10,000

$50,000
across multiple eligible accounts[3]

$0
Fee for Each $100 in Additional Cash Deposits Over Monthly Allowance

$0.25

$0.25

$0.25

Over the Counter - $0.20 per $100

Quick Deposit, Night Deposit & Merchant Vault - $0.20 per $100
Coin & Currency Furnished

Coin: $0.15 per roll
Currency: $2.50 per $1,000

Monthly Allowance at No Charge:
Coin: 100 rolls
Currency: $30,000

Above Monthly Allowance:
Coin: $0.15 per roll
Currency: $2.50 per $1,000

Coin: $0.15 per roll
Currency: $2.50 per $1,000

Coin: $0.15 per roll
Currency: $2.50 per $1,000
Night Deposit Bag Processing

$3 per Bag

$3 per Bag

$3 per Bag

$3 per Bag
Additional Related Account Benefits
Account Statements
Free Mobile Banking & Online Banking and Bill Pay+10,11,12

yes

yes

yes

yes
Free PNC Visa® Business Debit Card

yes

yes

yes

yes
Free use of PNC Bank ATMs

yes

yes

yes

yes
Reimbursement of fees charged by PNC for use of non-PNC bank ATMs (Does not include ATM Surcharge Fees)

2 fees per statement period

No Charge

No Charge

No Charge
Optional Online Money Management Tools
Cash Flow Insight®
Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)+13

$10 per Month

No Charge

$10 per Month

$10 per Month
Receivables

$15 per Month

$15 per Month

$15 per Month

$15 per Month
Payables

$15 per Month

$15 per Month

$15 per Month

$15 per Month
PINACLE® Express
PINACLE information reporting

Available for a fee

Available for a fee

Available for a fee

Available for a fee

Business Checking

What Will I Need to Apply? »

Learn More »

Just 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.

Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

Monthly Account Maintenance Fee
Per Account
Earnings Credit+2

n/a

Pay No Monthly Account Maintenance Fee if You Meet Any ONE of the Following Per Account:
Maintain the minimum average monthly collected balance

$500

OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5

$500

OR -- Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+4,6,7
OR -- Maintain average combined collected balance in linked business checking and money market accounts+4

n/a

Account Fees & Features
Monthly Transactions Allowed at No Charge+8

150 transactions

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$5,000

Fee for Each $100 in Additional Cash Deposits Over Monthly Allowance

$0.25

Coin & Currency Furnished

Coin: $0.15 per roll
Currency: $2.50 per $1,000

Night Deposit Bag Processing

$3 per Bag

Additional Related Account Benefits
Account Statements
Free Mobile Banking & Online Banking and Bill Pay+10,11,12

yes

Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Reimbursement of fees charged by PNC for use of non-PNC bank ATMs (Does not include ATM Surcharge Fees)

2 fees per statement period

Optional Online Money Management Tools
Cash Flow Insight®
Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)+13

$10 per Month

Receivables

$15 per Month

Payables

$15 per Month

PINACLE® Express
PINACLE information reporting

Available for a fee

Business Checking Plus

What Will I Need to Apply? »

Learn More »

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 tools to help you track and manage cash flow.

Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

Monthly Account Maintenance Fee
Per Account
Earnings Credit+2

n/a

Pay No Monthly Account Maintenance Fee if You Meet Any ONE of the Following Per Account:
Maintain the minimum average monthly collected balance

$5,000

OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5

$5,000

OR -- Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+4,6,7
OR -- Maintain average combined collected balance in linked business checking and money market accounts+4

$20,000

Account Fees & Features
Monthly Transactions Allowed at No Charge+8

500 transactions

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$10,000

Fee for Each $100 in Additional Cash Deposits Over Monthly Allowance

$0.25

Coin & Currency Furnished

Monthly Allowance at No Charge:
Coin: 100 rolls
Currency: $30,000

Above Monthly Allowance:
Coin: $0.15 per roll
Currency: $2.50 per $1,000

Night Deposit Bag Processing

$3 per Bag

Additional Related Account Benefits
Account Statements
Free Mobile Banking & Online Banking and Bill Pay+10,11,12

yes

Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Reimbursement of fees charged by PNC for use of non-PNC bank ATMs (Does not include ATM Surcharge Fees)

No Charge

Optional Online Money Management Tools
Cash Flow Insight®
Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)+13

No Charge

Receivables

$15 per Month

Payables

$15 per Month

PINACLE® Express
PINACLE information reporting

Available for a fee

Treasury Enterprise Plan

What Will I Need to Apply? »

Learn More »

For businesses with higher cash deposits or transactions.

You have more volume and variety in your transactions and want more tools to help you track and manage cash flow. You may want to link multiple checking accounts for easier bookkeeping, and may need a sweep account to earn interest on your excess balance. 

Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

Monthly Account Maintenance Fee
Per Account
Earnings Credit+2

Applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.

Pay No Monthly Account Maintenance Fee if You Meet Any ONE of the Following Per Account:
Maintain the minimum average monthly collected balance

$30,000
across multiple eligible accounts[3]

OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5

n/a

OR -- Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+4,6,7
OR -- Maintain average combined collected balance in linked business checking and money market accounts+4

n/a

Account Fees & Features
Monthly Transactions Allowed at No Charge+8

2,500 transactions
across multiple eligible accounts[3]

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$50,000
across multiple eligible accounts[3]

Fee for Each $100 in Additional Cash Deposits Over Monthly Allowance

$0.25

Coin & Currency Furnished

Coin: $0.15 per roll
Currency: $2.50 per $1,000

Night Deposit Bag Processing

$3 per Bag

Additional Related Account Benefits
Account Statements
Free Mobile Banking & Online Banking and Bill Pay+10,11,12

yes

Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Reimbursement of fees charged by PNC for use of non-PNC bank ATMs (Does not include ATM Surcharge Fees)

No Charge

Optional Online Money Management Tools
Cash Flow Insight®
Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)+13

$10 per Month

Receivables

$15 per Month

Payables

$15 per Month

PINACLE® Express
PINACLE information reporting

Available for a fee

Analysis Business Checking

What Will I Need to Apply? »

Learn More »

For businesses that want multiple checking accounts and earnings credit for all balances.

You need a solution that can help simplify things, and can link multiple checking accounts for easier bookkeeping, has tools to manage cash flow, and applies an earnings credit on all balances so you only pay for the banking services you use.

Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

Monthly Account Maintenance Fee
Per Account
Earnings Credit+2

Applied to full average monthly collected balance to reduce or offset the monthly account maintenance fee and certain transaction fees.

Pay No Monthly Account Maintenance Fee if You Meet Any ONE of the Following Per Account:
Maintain the minimum average monthly collected balance

n/a

OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5

n/a

OR -- Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+4,6,7
OR -- Maintain average combined collected balance in linked business checking and money market accounts+4

n/a

Account Fees & Features
Monthly Transactions Allowed at No Charge+8

Pay per transaction usage; fee varies by transaction

Fee for Each Additional Transaction Over Monthly Allowance

Varies by transaction item

Monthly Cash Deposit Volume Allowance at No Charge+9

$0

Fee for Each $100 in Additional Cash Deposits Over Monthly Allowance

Over the Counter - $0.20 per $100

Quick Deposit, Night Deposit & Merchant Vault - $0.20 per $100

Coin & Currency Furnished

Coin: $0.15 per roll
Currency: $2.50 per $1,000

Night Deposit Bag Processing

$3 per Bag

Additional Related Account Benefits
Account Statements
Free Mobile Banking & Online Banking and Bill Pay+10,11,12

yes

Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Reimbursement of fees charged by PNC for use of non-PNC bank ATMs (Does not include ATM Surcharge Fees)

No Charge

Optional Online Money Management Tools
Cash Flow Insight®
Base (Spend Analysis, Timeline, Trend, Cash In, Cash Out)+13

$10 per Month

Receivables

$15 per Month

Payables

$15 per Month

PINACLE® Express
PINACLE information reporting

Available for a fee

Important Legal Disclosures and Information

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

  2. The earnings credit rate on Analysis Business Checking or Treasury Enterprise Plan accounts is subject to change without notice. Please call 877-BUS-BNKG (877-287-2654) for current rate and balance tier information or for an example of how the earnings credit is applied to the balances in your account.

  3. The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts. You have the option to add more than four beneficiary accounts for an additional $10.00 Monthly Account Maintenance Fee for each beneficiary account over four. The monthly average collected balance, transaction, and cash deposited volumes are aggregated for the master and all beneficiary accounts to determine Earnings Credit, Master Account Maintenance Fee, transaction and cash deposit fee amounts. 

  4. 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.

  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. Subject to credit approval.  

  6. 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.

  7. Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.

  8. Monthly transactions are based on the aggregated volume of deposit tickets, deposited items, paid items, and ACH credits and debits received.

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

  10. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  11. 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.

  12. 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.

  13. Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. Free trial offer is valid for Cash Flow Insight for 30 days beginning with enrollment in Cash Flow Insight. 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 (Cash Flow Insight and additional tools (Receivables, Payables, and Accounting Software Sync)). For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit pnc.com/cashflowinsight. Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.

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

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

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.

PNC Bank and PINACLE are a registered mark of The PNC Financial Services Group, Inc. ("PNC").

Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association, a wholly owned subsidiary of PNC and Member FDIC.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.