Small Business
PNC Advantage for Agriculture Businesses
Agriculture Industry Solutions CheckingSM
Business checking that's good for your agriculture business cash flow. The right business checking account can enhance your operations, cash flow, and bottom line. That's why we offer Agriculture Industry Solutions Checking - that best fits the way you do business and the banking services your agriculture business needs.

Agriculture businesses with lower transaction volumes and simpler checking requirements may also want to consider any of our other Business Checking account options.

Contact a PNC Agriculture Banker or call us at 877-535-6315.

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Account at a Glance1:
Minimum balance to open $250
Monthly maintenance fee $25
Minimum average monthly collected balance requirement to avoid monthly maintenance fee $0 with qualifying product; $15,000 without qualifying product2
Monthly combined transaction3 Up to 1,500 transactions at no charge
Monthly limit for free cash deposits Up to $50,000 at no charge
Night bag processing Free
Check safekeeping Optional
Business check order discounts
(from preferred PNC check vendor, Harland Clarke)
Up to $100 discount on initial order
Free global ATM4 Free at any PNC Bank or non-PNC ATM. ATM surcharges from non-PNC ATMs are reimbursed.
Free personal Performance Checking or Virtual Wallet® Performance Spend Checking Account5 for business owners Yes
    Accelerate Receivables
Remote Deposit Solutions through PNC DepositNow®,6 - streamline your check deposit preparation, manage accounts receivable and eliminate many trips to the bank First 3 months new DepositNow® service free followed by a $25 monthly discount on the multi feed remote deposit service6
Next-day funding on Visa®, MasterCard®, Discover® and American Express One point® payment processing transactions with PNC Merchant Services.®,7 Yes
    Improve Payment Practices
Monitor checks processed for payment and reject unauthorized transactions before losses occur through PNC's Positive Pay. Available
Outgoing domestic wire transfers via PINACLE® Express8 25% off
PNC Online Payroll9 Available
PNC Paycard can reduce the costs associated with processing paper checks, while providing employees with a convenient and secure way to make purchases, pay bills and obtain cash. Available
PNC Business Credit Cards10 No annual fee
    Monitor and Project Cash
PNC Online Banking9 and Bill Pay (includes online statements) Free
    Invest Excess Cash -- Pursue Financial Well-Being
PNC Premium Business Money Market Account11 Promo rate for six months
Business Sweep Checking11 links your Industry Solutions Checking with a PNC Premium Business Money Market Account $5 monthly discount
Bonus rates on select Certificates of Deposit Yes
    Access to Credit12
Rate discounts on Term Loans and Lines of Credit Available
Annual fee discount for newly established Lines of Credit Annual fee waiver first year, up to $250 each year thereafter
Fee discount for newly established Term Loans 25% reduction on standard loan origination fees
SBA financing and leasing options13 for qualifying businesses Available
    Special Features
For Referred Business Clients: No minimum balance requirement or monthly maintenance fee on a Basic or Enterprise Checking account 1 year

    • Room to grow - Financing options available for new equipment or transportation, including an Ag BELOC for working capital needs.
    • Save time - Our Online Banking and Bill Pay, PINACLE® Express and remote deposit products let you bank day or night without trips to the bank.
    • Save money - Higher monthly combined transactions limits before incurring per item fees.
    • Earn more - When your business stretches beyond borders, manage foreign exchange risk more effectively, secure pricing and costs, and potentially increase profits and reduce expenses using PNC's foreign exchange consultants.
    • Feel secure - Through PNC Import and Export Services, streamline document exchange, reduce payment or collection risks, and facilitate your financial transactions almost anywhere in the world


    Additional Resources

    PNC Advantage for Agriculture

    CFO: Cash Flow OptimizedSM

    Cash Flow InsightSM


1 See our Business Banking Account Information - Business Checking Accounts and Related Charges for further information.

2 The following are considered qualifying products: Business Sweep Checking, Premium Business Money Market, PNC Merchant Services, Business Term Loan, Business Line of Credit, Business Credit Cards, Visa® Signature BusinessOptions, DepositNow®, PINACLE Express or PINACLE, Cash Logistics Services, Remote Safe Solutions, Zero Balance Account (ZBA).

3 Includes: checks paid, items deposited, deposited tickets, ACH credits received and ACH debits received. 

4 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.

5 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.

6 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.

7 DepositNow® is a registered trademark of BServ Inc. Eligibility for DepositNow is subject to bank approval. Customer must maintain a PNC Business Checking account to qualify for DepositNow. Funds may not be available for immediate withdrawal. Please refer to your DepositNow Service Agreement and the applicable funds availability policy for your PNC Business Checking account to determine when your funds will be made available.

8 Subject to credit approval. PNC Bank, National Association is the creditor and issuer of the PNC Business Credit Cards.

9 Other fees for PINACLE Express will apply. Please refer to the Business Checking Accounts and Related Charges document.

10 There may be a fee for certain optional services through Online Banking. Offers, products and pricing are subject to change.

11 Balances swept from your Industry Solutions Checking account will earn interest in a PNC Money Market Deposit account while maintaining the security of FDIC insurance to the maximum permitted by law. Federal regulations prohibit you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by pre-authorized or automatic agreements, telephone or online.

12 All loans subject to credit approval and require automatic payment deduction from a PNC Bank Business Checking account. Origination and/or other fees may apply.

13 Equipment financing and leasing products are provided by PNC Equipment Finance, LLC, and PNCEF, LLC, which are wholly-owned subsidiaries of PNC Bank, National Association.


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

Equal Housing Lender