PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
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.
- Unlimited 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 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 and Bill Pay . 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® 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.
Waive the Monthly Fee
$50 or $0 Monthly Account Maintenance Fee
Ways to waive: Maintain $30,000 average combined monthly collected balance in all checking accounts within your Treasury Enterprise Plan (including Beneficiary Accounts)
The first three months are on us - There is No Monthly Account Maintenance Fee for the first three statement cycles.
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
Improve Payment Practices & Accelerate Receivables
- Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.
- Receivables: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.
- 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.
- 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: No Annual Fee. Use your card to make payments and better track your expenses.
- PNC Merchant Services®: Next business day funding on payment processing transactions when deposited to your PNC Treasury Enterprise Plan.
How to Apply
Open your account online, by phone or at a branch.
- Ways to Apply
- What You Need to Apply Online
- What You Need to Apply at Branch
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 the 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 the account
- Partnership Agreement
- 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)
- 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).
- SSN of officers or directors who will sign on the 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.
- 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.
Frequently Asked Questions
The PNC Treasury Enterprise Plan is for businesses with higher transaction and cash deposit needs than what is allowed in standard business checking accounts. It includes unlimited transactions and no fees for monthly cash deposits up to $50,000.
You may avoid the $50 monthly maintenance fee by maintaining a $30,000 average combined monthly collected balance in all checking accounts within your Treasury Enterprise Plan. This includes Beneficiary Accounts.
The Treasury Enterprise Plan includes unlimited transactions and up to $50,000 cash deposited per month over-the-counter, at the night depository, or via Quick Deposit at no charge.
In addition to higher transaction and cash deposit limits, the Treasury Enterprise Plan also includes one free domestic incoming wire transfer per month. Online banking, including Bill Pay and access to PINACLE®, provides more visibility into your business's finances. The account includes access to Cash Flow Insight® to make managing and forecasting easier.
To open a PNC business checking account, you'll need the following:
Personal Identification:
Two forms of ID: either two primary IDs or one primary ID and one secondary ID.
- Primary IDs include a 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 IDs include a U.S. Visa, pay stub, home rental agreement, utility bill, major credit/debit card, or vehicle registration.
Business Documentation:
- Your business's Tax Identification Number (TIN) (unless using a SSN for a Sole Proprietorship).
- Documents verifying your business registration and your authority to act on behalf of the business. Requirements vary depending on your business type (e.g., Sole Proprietorship, LLC, Corporation).
Online Applications:
- A valid email address is required.
- Optional access to a printer for copies of the application.
When visiting a branch, please bring all required documentation to streamline the process.
Open a Business Checking Account Online with PNC.