Open a Treasury Enterprise Plan by 6/30/24

Earn $500 when you maintain a minimum average cycle balance of $30,000 for each of the first three statement cycles.

Earn $1,000 when you maintain a minimum average cycle balance of $100,000 for each of the first three statement cycles.

View Offer Details

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.

WorkPlace Banking Employee Rewards

Higher Limits

More combined transactions and cash deposited activity without charge.

WorkPlace Banking Employee Rewards

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® Express or 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.

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.

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. 

Monitor & 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.[2,3]
  • Cash Flow Insight®[5]: Tools and insights to help operate your business confidently. Monitor, plan and budget your spending with business transaction categorization in Spend Analysis, get a calendar and graphical view of your upcoming transactions and balances with Timeline, plan for the future by comparing it to past performance with Trend, and forecast the money you expect to receive and payments you expect to make with Cash In and Cash Out. Cash Flow Insight is included with all eligible business checking accounts
  • PINACLE Express® offers access to cash position information and to the treasury management tools needed to move your business forward. With a single sign-on, PINACLE Express offers time saving tools that can help you work more productively and make better business decisions.
Cash Flow Solutions screen

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® – 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.[11]

How to Apply

We know you’re busy. We offer more ways to apply to make it easy to get started.

Apply Online

Share your information and
we'll review your application.

Apply By Phone

Mon - Fri: 8:30 a.m. – 8 p.m. ET

Apply at a Branch

Visit us to
complete an application

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.
  • 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.
  • 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.

Call Us

Mon - Fri: 8 a.m. - 9 p.m. ET
Sat - Sun: 8 a.m. -  5 p.m. ET

Visit Us

Find a PNC location near you and stop by to see us.