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.
Treasury Enterprise Plan
For businesses with higher cash deposit and transaction needs.
Features & Benefits
The Business Banking and Treasury Management package for your Analysis Business Checking account for optimal money management.
Higher Limits
More combined transactions and cash deposited activity without charge.
Avoid Monthly Account
Maintenance Fee
Speak to a PNC Banker to learn more about product features that help avoid the Monthly Account Maintenance Fee.
Treasury Management to Fit
Your Business
Designed to work as part of a suite of PNC tools to best serve your business.
- The Treasury Enterprise Plan is a Business Banking and Treasury Management checking package for Analysis Business Checking accounts.
- No charge for up to 2,500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.
- $50,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.
- 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 Monthly Account Maintenance Fee, transaction, and cash deposit fee amounts.
- Link multiple PNC Bank business checking accounts together to help consolidate balances, simplify bookkeeping and service charges.
- An earnings credit[1] is applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.
- Two investment options for excess cash: Premium Business Money Market account or MMDA Sweep with no Monthly Account Maintenance Fee.
- One free incoming Received Wire Transfer per month (Domestic only)
- More online banking options – Free Online Banking[2] and Bill Pay[3]. For a more critical level of account detail, reporting and options, move up to PINACLE®.
- No charge for Online Statements or get Paper Statements for a small fee.
- No ATM transaction fees at PNC Bank ATMs.
- No set-up fee for Overdraft Protection.
- Free PNC Bank Visa® Business Debit Card.
- Earn cash with PNC Purchase Payback®[4] for making everyday purchases.
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Not sure if Treasury Enterprise is right for you? Compare features with other PNC business checking accounts.
Pricing
What you need to know.
Required Minimum to Open: $100
Monthly Account Maintenance Fee: $50
There is no Monthly Account Maintenance Fee
for the first three statement cycles.
How to Offset the 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 the condition below:
Maintain $30,000 in combined accounts
Average Monthly Collected Balance is combined for the master and all additional beneficiary business checking accounts.
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Improve Payment Practices & Accelerate Receivables
- Cash Flow Insight® – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.[6]
- 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.[6]
- Cash Flow Insight® – Accounting Software Sync: Save time by syncing vendor, customer, bill, invoice and payment information between Cash Flow Insight and your accounting software like QuickBooks®, Xero®, Intacct®, NetSuite® and more.[6,7]
- 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.
- PNC Merchant Services®[9]: Next business day funding[10] on payment processing transactions when deposited to your PNC Business Checking Plus account.
How to Apply
We know you’re busy. We offer more ways to apply to make it easy to get started.
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
What Will I Need to Apply
To start an application, we will need:
- Your business's Tax Identification Number.
- A valid e-mail address if applying online.
- Access to a printer if applying online (optional).
What you need to take to the branch:
- A government-issued photo ID and secondary form of identification from either of the primary or secondary ID lists.
Two forms of primary ID, or one form of primary ID and one of secondary ID can be used.- Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card.
- Secondary ID: US Visa, Paystub, home rental agreement, utility bill, major credit/debit card or vehicle registration.
- Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card.
- Documents verifying your business registration and your authority to act on behalf of and control, manage, or direct the business.
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 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 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 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.
To start your application, please call us at 1-855-762-2365 between the hours of 8:30 a.m. and 8:00 p.m. ET, Monday through Friday.
Have Questions?
We're here to help.
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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.
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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.
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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.
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Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. Cash Flow Insight and its additional tools (Payables, Receivables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. The monthly and transaction fees for the additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) are waived for 60 days beginning with enrollment in any combination of the additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync). Fee waiver period is offered to each customer one time only in a single continuous set of 60 days for Cash Flow Insight with Payables, Receivables and Accounting Software Sync (any combination of the three tools).
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.
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Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees. Transactions and additional user fees may apply. Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.
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Your Payables and/or Receivables 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. Must sign up for this service.
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Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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Merchant Services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
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Except as is otherwise set forth in your agreement for merchant services, your funds for transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Cash Flow Insight® is a registered mark of The PNC Financial Services Group, Inc.
QuickBooks® is a registered trademark of Intuit®, Inc.
PNC and PINACLE® are registered marks of The PNC Financial Services Group, Inc. ("PNC")
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC Mobile Accept and Mobile Accept are registered marks of The PNC Financial Services Group, Inc.
Tempus Technologies is a registered mark of Tempus Technologies, Inc.
All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.
Banking and lending products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. 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.