Small Business
CFO: Cash Flow Options from PNC
Business Basic Checking
Your business is growing, and you're looking for more options and greater flexibility. Your banking activity is increasing - more checks get written, more cash to deposit. Your cash flow is more predictable now, so you're able to maintain a basic average account balance each month. Now is the time for PNC Business Basic Checking.

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Account at a Glance:
Required minimum to open $100
Average monthly collected balance requirement to avoid monthly maintenance fee $2,500
Monthly maintenance fee $17
Combined transaction items free each month1 Up to 300 at no charge
Cash deposited free each month Up to $10,000 at no charge
PNC Bank Business Visa Check Card Free - Use your Check Card at any ATM, stores, online, phone order, or for bill payments.2
Free global ATM transactions2 Free at any PNC Bank or non-PNC ATM. ATM surcharges from non-PNC ATMs are reimbursed.
PNC Purchase Payback® Earn cash with PNC Purchase Payback3
PNC Bank Online Banking and 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.4
Next-day funding on Visa, MasterCard, Discover and American Express One point payment processing transactions with PNC Merchant Services,5. Yes
Check order discount Up to $25 discount on initial order
Free personal Performance Checking or Virtual Wallet Performance Spend Checking Account6 for business owners Yes
Overdraft Protection Optional protection available from your PNC Bank Premium Business Money Market Account or Choice Creditsm for Business Line of Credit.7

    • Higher Limits - More combined transactions and cash deposited activity without charge than Business Checking
    • Saves you money - Offset monthly service charge with a low monthly average collected balance.
    • Save time - Our Online Banking and Bill Pay and remote deposit products let you bank day or night without trips to the bank
    • Peace of mind - get optional overdraft protection for this account from your qualified PNC Bank Premium Business Money Market Account or PNC Bank Choice Creditsm for Business Line of Credit7
    • Feel Secure - PNC Security Assurance protects all the ways you transact today -- through an ATM, by mail, in-store or on the Internet


    Additional Resources

1. Combined transactions include: checks paid, items deposited, deposited tickets, ACH credits received and ACH debits received. See our Business Banking Account Information - Business Checking Accounts and Related Charges for further information.
2. PNC charges apply for use of another financial institution's or ATM operator's ATM. Additionally, other financial institutions and/or ATM operators may charge for using their ATMs. PNC will reimburse these fees on the day of the transaction.
3. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you received 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.
4. There may be a fee for certain optional services available through online banking.
5. Next-day funding on card transactions processed by PNC Merchant Services when deposited into your PNC Business Checking account. Merchant Services provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of PNC Financial Services Group, Inc.
6. Please refer to the Consumer Schedule of Service Charges and Fees, and the Business Checking accounts and Related Charges documents. PNC reserves the right to limit the number of free Performance Checking accounts per business relationship.
7. All loans and lines of credit subject to credit approval and require automatic payment deduction from a PNC Bank business checking account. Origination and annual fees may apply.


PNC Purchase Payback is a registered mark of The PNC Financial Services Group.

Visa is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Equal Housing Lender