Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.
Small Business Checking Accounts with PNC
Earn $400 or $1,000 when you open & use a new qualifying PNC business checking account by 12/31/26.
Business Checking
When you only need 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.
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.
Treasury Enterprise Plan
For businesses with higher cash deposit & transaction needs.
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, or may need a sweep account to earn interest on your excess balances.
Analysis Business Checking
For businesses that want multiple checking accounts and earnings credit for all balances.
You need a solution that helps 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.
Additional Checking Solutions
Additional checking solutions from PNC also include special‑purpose business accounts such as MMDA Sweep, Business Interest Checking, and IOLTA (Interest On Lawyers Trust Accounts).
Frequently Asked Questions
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.
There are three ways to avoid the $12 monthly maintenance fee for your PNC business checking account. First, you may maintain an average monthly balance of $500. Second, you may use a linked PNC business credit card to make a minimum of $500 in eligible purchases (goods or services purchased with an eligible PNC credit card account) during the billing cycle immediately prior. Finally, you may maintain an eligible linked Merchant Account and generate a minimum of $500 in qualifying monthly processing deposits.
PNC checks all three options when assessing monthly fees. As long as one of these options has been maintained, PNC may waive the fee for the assessed month.
Business Checking includes up to 150 transactions per month at no charge. Transaction totals are calculated based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received2.
Business accounts come with online bill pay. Eligible accounts include access to Cash Flow Insight®, including Expense and Income Reports, Calendar and Pay and Get Paid. These are tools designed to help you make informed decisions for your business.
Business checking accounts may enable overdraft protection for no extra setup fee. If you opt into overdraft protection, PNC Bank will cover charges by pulling funds from a different linked account when there are insufficient funds in your account.
Checking Account Resources
Insights
Get the most out of your day and keep your business moving forward.
Starting Your Business
Business Budgeting 101
Understand the basics of business budgeting, including tracking expenses, forecasting revenue, managing cash flow, and planning for sustainable growth.
1:11 min video
Starting Your Business
How to Write a Business Plan: A Step-By-Step Guide
Crafting a business plan doesn't have to be daunting. Our guide will aid small business owners in outlining clear steps towards achieving success.
10 min read
Starting Your Business
How to Start a Business: A Step-by-Step Guide for New Entrepreneurs
Learn the 10 key steps to start your business and help set the stage for long-term success.
5 min read
