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Compare PNC Business Checking Accounts
FILTER ACCOUNTS
Select 3 accounts from below to compare:
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 | |||
Special cash offer when you open a qualifying PNC Business Checking account by 06/30/19.
Get Offer Details » |
Special cash offer when you open a qualifying PNC Business Checking Plus account by 06/30/19.
Get Offer Details » |
Special cash offer when you open a qualifying PNC Business Checking Plus account by 06/30/19.
Get Offer Details » |
Special cash offer when you open a qualifying PNC Business Checking Plus account by 06/30/19.
Get Offer Details » |
| Minimum Balance to Open | |||
| Low Opening Balance Requirements | |||
$100 |
$100 |
$100 |
$100 |
| Monthly Account Maintenance Fee | |||
| Per Account | |||
$10 No monthly account maintenance fee for the first three months after your account is opened. |
$20 No monthly account maintenance fee for the first three months after your account is opened. |
$50 No monthly account maintenance fee for the first three months after your account is opened. |
$20 Unless offset by Earning Credit |
| Earnings Credit+2 | |||
- |
- |
Applied only to the average monthly collected balances in excess of $50,000 to reduce or offset monthly account maintenance and certain transaction fees. |
Applied to full average monthly collected balance to reduce or offset the monthly account maintenance fee and certain transaction fees. |
| Account Balance Fee | |||
- |
- |
Assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit. |
Assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit. |
| 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 |
- |
| OR -- Make the minimum monthly eligible purchases with a linked PNC business credit card+4,5 | |||
$500 |
$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 | |||
150 transactions |
500 transactions |
2,500 transactions |
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 |
$0 |
| Fee for Each $100 in Additional Deposits Over Monthly Allowance | |||
$0.25 |
$0.25 |
$0.25 |
Over the Counter - $0.12 per $100 |
| Coin & Currency Furnished | |||
Coin: $0.15 per roll |
Monthly Allowance at No Charge: |
Coin: $0.15 per roll |
Coin: $0.15 per roll |
| Night Deposit Bag Processing | |||
$3 per Bag |
$3 per Bag |
$3 per Bag |
$3 per Bag |
| Additional Related Account Benefits | |||
| Account Statements | |||
Online Statements: free of charge (downloadable) Paper Statements: small monthly fee |
Online Statements: free of charge (downloadable) Paper Statements: small monthly fee |
Online Statements: free of charge (downloadable in Online Banking, PINACLE® Express or PINACLE®) Paper Statements: free of charge |
Online Statements: free of charge (downloadable in Online Banking, PINACLE® Express or PINACLE®) Paper Statements: free of charge |
| 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) | |||
$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 |
No charge for base PINACLE Express |
Available for a fee |
Business Checking
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.
Get Offer Details »
$100
$10
No monthly account maintenance fee for the first three months after your account is opened.
-
-
$500
$500
-
150 transactions
$0.50
$5,000
$0.25
Coin: $0.15 per roll
Currency: $2.50 per $1,000
$3 per Bag
Online Statements: free of charge (downloadable)
Paper Statements: small monthly fee
yes
yes
yes
2 fees per statement period
$10 per Month
$15 per Month
$15 per Month
Available for a fee
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 tools to help you track and manage cash flow.
Get Offer Details »
$100
$20
No monthly account maintenance fee for the first three months after your account is opened.
-
-
$5,000
$5,000
$20,000
500 transactions
$0.50
$10,000
$0.25
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
$3 per Bag
Online Statements: free of charge (downloadable)
Paper Statements: small monthly fee
yes
yes
yes
No Charge
No Charge
$15 per Month
$15 per Month
Available for a fee
Treasury Enterprise Plan
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.
Get Offer Details »
$100
$50
No monthly account maintenance fee for the first three months after your account is opened.
Applied only to the average monthly collected balances in excess of $50,000 to reduce or offset monthly account maintenance and certain transaction fees.
Assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit.
$30,000
across multiple eligible accounts[3]
-
-
2,500 transactions
across multiple eligible accounts[3]
$0.50
$50,000
across multiple eligible accounts[3]
$0.25
Coin: $0.15 per roll
Currency: $2.50 per $1,000
$3 per Bag
Online Statements: free of charge (downloadable in Online Banking, PINACLE® Express or PINACLE®)
Paper Statements: free of charge
yes
yes
yes
No Charge
$10 per Month
$15 per Month
$15 per Month
No charge for base PINACLE Express
Analysis Business Checking
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.
Get Offer Details »
$100
$20
Unless offset by Earning Credit
Applied to full average monthly collected balance to reduce or offset the monthly account maintenance fee and certain transaction fees.
Assessed monthly on the average ledger balance in the account (per $100) and may be offset by Earnings Credit.
-
-
-
Pay per transaction usage; fee varies by transaction
Varies by transaction item
$0
Over the Counter - $0.12 per $100
Quick Deposit, Night Deposit & Merchant Vault - $0.10 per $100
Coin: $0.15 per roll
Currency: $2.50 per $1,000
$3 per Bag
Online Statements: free of charge (downloadable in Online Banking, PINACLE® Express or PINACLE®)
Paper Statements: free of charge
yes
yes
yes
No Charge
$10 per Month
$15 per Month
$15 per Month
Available for a fee
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Important Legal Disclosures and Information
See our Business Checking Accounts and Related Charges disclosure for further information.
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.
Up to 4 additional business checking accounts. The monthly average collected balance, transaction and cash deposited volumes are aggregated for the master and up to 4 additional accounts to determine total maintenance fee, transaction and cash deposit fee amounts.
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.
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.
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.
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.
Monthly transactions are based on the aggregated volume of deposit tickets, deposited items, paid items, and ACH credits and debits received.
Monthly limit for free cash deposits includes over-the-counter, at the night depository, and via Quick Deposit.
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.
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.
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.
Visa and Visa Signature are registered trademarks 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 service mark of The PNC Financial Services Group, Inc.
PINACLE® is a registered trademark of The PNC Financial Services Group.
Banking 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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