Analysis Business Checking

For businesses who want multiple checking accounts and earnings credit for all balances.

Get a solution that can help simplify things by linking multiple checking accounts for easier bookkeeping, where you only pay for the banking services you use.

Get Started With PNC

Talk to us about how we could help your business

Still not sure which account?

Earn a $200 Cash Reward
when you open and use a qualifying PNC business checking account by 6/30/20.

It's Easy to Get Started. Apply Online OR Request an offer email to Apply at a PNC Branch.

Get Offer Details »

Special Offer

Features and Benefits

Cash Flow Insight® - Receivables[12]

Manage what’s coming in, create invoices, and keep an electronic archive of invoices - all in one place.

Offset Account Fees

An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees[1].

Treasury Management to Fit Your Business

Designed to work as part of a suite of PNC tools to best serve your business.

  • Checking that can pay for itself - Earnings Credit on deposit balance help reduce or offset the cost of banking services[1]
  • Save money - Pay only for the banking services you use each month
  • More online banking options – Free Online Banking and Bill Pay[2,3], or for a more critical level of account information, move up to PINACLE® Express or PINACLE for great detail and more options (fees apply)
  • Simplify your account management - Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
  • No charge for Paper Statements, or get Printed Image Statements for a small fee
  • No ATM transaction fees at PNC Bank ATMs and non-PNC Bank ATMs[4]
  • Free PNC Bank Visa® Business Debit Card
  • No annual Fee Visa® Business Credit Card[5]
  • Optional Check Safekeeping
  • PNC Purchase Payback®[6] – Earn cash back for purchases at some of your favorite places.


Required Minimum to Open:  $100

Monthly Account Maintenance Fee for Analysis Business Checking is $20*

*Then, pay per-item-usage fees for the activity levels and services your business actually uses.

How to Apply

Have questions? We're here to help.

Important Legal Disclosures & Information

  1. The earnings credit rate on Analysis Business Checking or Treasury Enterprise Plan accounts is subject to change without notice. Please call 877-BUS-BNKG (877-287-2654) for current rate and balance tier information or for an example of how the earnings credit is applied to the balances in your account.

  2. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  3. Online Bill Pay is a free service within PNC Online Banking to residents within the US, a qualifying checking account to use this service. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

  4. The fee for cash deposited at an ATM is still applied

  5. Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.

  6. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive 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.

  7. Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.

  8. Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions).  If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day.  Business day means Monday through Friday, excluding Federal holidays.

  9. A qualifying PNC Merchant Services processing deposit is an electronic deposit made by PNC Merchant Services directly into this checking account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement.

  10. All loans and lines of credit subject to credit approval and require automatic payment deduction from a business checking account. Origination and annual fees may apply.

  11. * Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. Free trial offer is valid for Cash Flow Insight for 30 days beginning with enrollment in Cash Flow Insight. The monthly and transaction fees for the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync) are waived for 60 days beginning with enrollment in any combination of the additional Cash Flow Insight tools (Receivables, Payables, and Accounting Software Sync). One offer per customer per experience (Cash Flow Insight and additional tools (Receivables, Payables, and Accounting Software Sync).   For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit  Offer may be extended, modified or discontinued at any time without notice and may vary by market.  No purchase necessary. See full offer disclosure.

Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc.

U.S. Patent Nos. 10,402,910 and 9,965,808, and others patents pending.

PNC and PINACLE® are a registered mark of The PNC Financial Services Group.

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

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license. 

Banking products and services and bank deposit products are provided by PNC Bank, National Association (N.A.), a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

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