Compare Business Checking Accounts

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Select 3 accounts from below to compare:

Best for

Smaller businesses with lower monthly check writing and deposit activity, and straight forward banking needs

Growing businesses looking for more options and flexibility in managing their banking transactions

Larger businesses and those in select industries, looking for greater flexibility managing large transaction volumes and higher cash deposit levels

Special Offer - Earn Up to $300
Business Checking & Merchant Services & Credit Card
Minimum Balance to Open
Low Opening Balance Requirements

$100

$250

$250

Monthly Account Maintenance Fee
New Accounts

No monthly account maintenance fee for the first three months after your account is opened.

No monthly account maintenance fee for the first three months after your account is opened.

No monthly account maintenance fee for  the first three months after your account is opened.

per account, starting with the 4th month after account opening
No Monthly Account Maintenance Fee if You Meet Any ONE of the Following:
Deposit PNC Merchant Services card payment proceeds into this business checking account+2,3

yes

yes

yes

Make the minimum monthly eligible net purchases with a linked PNC business credit card+3,4

$1,000

$2,000

$3,000

Maintain the minimum average monthly collected balance required

$1,500

$5,000

$25,000

Maintain average combined collected balance in linked business checking and money market accounts+3

-

$20,000

$50,000

Maintain average combined business loan(s) balance of+3

-

$40,000

$75,000

Maintain any one of these additional PNC business services+5

-

  • Deposit On-Site®
  • DepositNow®
  • PINACLE®
  • Cash Logistics
  • Remote Safe
  • Cash Flow Insight® Payables
  • Cash Flow Insight Receivables
  • Deposit On-Site®
  • DepositNow®
  • PINACLE®
  • Cash Logistics
  • Remote Safe
  • Cash Flow Insight® Payables
  • Cash Flow Insight Receivables
Maintain a Visa Signature® BusinessOptions credit card+3

-

yes

yes

Online & Mobile Money Management Tools
Free Online Banking and Bill Pay+6

yes

yes

yes

Free Mobile Banking+7

yes

yes

yes

Free Online Statements

yes

yes

yes

Cash Flow Insight
Base (Timeline, Trend, Cash In, Cash Out)

$10.00 per Month

No Charge

No Charge

Receivables

$15.00 per Month

$15.00 per Month

$15.00 per Month

Payables

$15.00 per Month

$15.00 per Month

$15.00 per Month

Other Account Features and Fees
Free PNC Visa® Business Debit Card

yes

yes

yes

Free use of PNC Bank ATMs

yes

yes

yes

Business Owners get Free Personal Performance Checking or Virtual Wallet® With Performance Spend+1

-

yes

yes

Additional Business Checking Preferred Accounts+8

-

-

Up to 9 additional accounts with no monthly maintenance fee

Monthly Transaction Allowance at No Charge+9

150

500

1,500

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

$0.50

$0.25

Monthly Cash Deposit Volume Allowance at No Charge+10

$5,000

$10,000

$50,000

Monthly Coin & Currency Furnished Allowance at No Charge

-

Coin: 100 rolls
Currency: $30,000

Coin: 100 rolls
Currency: $30,000

Fee for Each $100 in Additional Deposits Over Monthly Allowance

$0.25

$0.25

$0.25

Night Deposit Bag Processing

$3.00 per Bag

$3.00 per Bag

No Charge

Check Order Discount (when using preferred PNC check vendor, Harland Clarke)

None

Up to $25.00 Discount on Initial Order

Up to $100.00 Discount on Initial Order

Relationship Benefits
Earn cash with PNC Purchase Payback®+11

yes

yes

yes

Business Checking

What Will I Need to Apply? »

Learn More »

Best for

Smaller businesses with lower monthly check writing and deposit activity, and straight forward banking needs

Special Offer - Earn Up to $300
Business Checking & Merchant Services & Credit Card
Minimum Balance to Open
Low Opening Balance Requirements

$100

Monthly Account Maintenance Fee
New Accounts

No monthly account maintenance fee for the first three months after your account is opened.

per account, starting with the 4th month after account opening
No Monthly Account Maintenance Fee if You Meet Any ONE of the Following:
Deposit PNC Merchant Services card payment proceeds into this business checking account+2,3

yes

Make the minimum monthly eligible net purchases with a linked PNC business credit card+3,4

$1,000

Maintain the minimum average monthly collected balance required

$1,500

Maintain average combined collected balance in linked business checking and money market accounts+3

-

Maintain average combined business loan(s) balance of+3

-

Maintain any one of these additional PNC business services+5

-

Maintain a Visa Signature® BusinessOptions credit card+3

-

Online & Mobile Money Management Tools
Free Online Banking and Bill Pay+6

yes

Free Mobile Banking+7

yes

Free Online Statements

yes

Cash Flow Insight
Base (Timeline, Trend, Cash In, Cash Out)

$10.00 per Month

Receivables

$15.00 per Month

Payables

$15.00 per Month

Other Account Features and Fees
Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Business Owners get Free Personal Performance Checking or Virtual Wallet® With Performance Spend+1

-

Additional Business Checking Preferred Accounts+8

-

Monthly Transaction Allowance at No Charge+9

150

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+10

$5,000

Monthly Coin & Currency Furnished Allowance at No Charge

-

Fee for Each $100 in Additional Deposits Over Monthly Allowance

$0.25

Night Deposit Bag Processing

$3.00 per Bag

Check Order Discount (when using preferred PNC check vendor, Harland Clarke)

None

Relationship Benefits
Earn cash with PNC Purchase Payback®+11

yes

Business Checking Plus

What Will I Need to Apply? »

Learn More »

Best for

Growing businesses looking for more options and flexibility in managing their banking transactions

Special Offer - Earn Up to $300
Business Checking & Merchant Services & Credit Card
Minimum Balance to Open
Low Opening Balance Requirements

$250

Monthly Account Maintenance Fee
New Accounts

No monthly account maintenance fee for the first three months after your account is opened.

per account, starting with the 4th month after account opening
No Monthly Account Maintenance Fee if You Meet Any ONE of the Following:
Deposit PNC Merchant Services card payment proceeds into this business checking account+2,3

yes

Make the minimum monthly eligible net purchases with a linked PNC business credit card+3,4

$2,000

Maintain the minimum average monthly collected balance required

$5,000

Maintain average combined collected balance in linked business checking and money market accounts+3

$20,000

Maintain average combined business loan(s) balance of+3

$40,000

Maintain any one of these additional PNC business services+5
  • Deposit On-Site®
  • DepositNow®
  • PINACLE®
  • Cash Logistics
  • Remote Safe
  • Cash Flow Insight® Payables
  • Cash Flow Insight Receivables
Maintain a Visa Signature® BusinessOptions credit card+3

yes

Online & Mobile Money Management Tools
Free Online Banking and Bill Pay+6

yes

Free Mobile Banking+7

yes

Free Online Statements

yes

Cash Flow Insight
Base (Timeline, Trend, Cash In, Cash Out)

No Charge

Receivables

$15.00 per Month

Payables

$15.00 per Month

Other Account Features and Fees
Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Business Owners get Free Personal Performance Checking or Virtual Wallet® With Performance Spend+1

yes

Additional Business Checking Preferred Accounts+8

-

Monthly Transaction Allowance at No Charge+9

500

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+10

$10,000

Monthly Coin & Currency Furnished Allowance at No Charge

Coin: 100 rolls
Currency: $30,000

Fee for Each $100 in Additional Deposits Over Monthly Allowance

$0.25

Night Deposit Bag Processing

$3.00 per Bag

Check Order Discount (when using preferred PNC check vendor, Harland Clarke)

Up to $25.00 Discount on Initial Order

Relationship Benefits
Earn cash with PNC Purchase Payback®+11

yes

Business Checking Preferred

What Will I Need to Apply? »

Learn More »

Best for

Larger businesses and those in select industries, looking for greater flexibility managing large transaction volumes and higher cash deposit levels

Special Offer - Earn Up to $300
Business Checking & Merchant Services & Credit Card
Minimum Balance to Open
Low Opening Balance Requirements

$250

Monthly Account Maintenance Fee
New Accounts

No monthly account maintenance fee for  the first three months after your account is opened.

per account, starting with the 4th month after account opening
No Monthly Account Maintenance Fee if You Meet Any ONE of the Following:
Deposit PNC Merchant Services card payment proceeds into this business checking account+2,3

yes

Make the minimum monthly eligible net purchases with a linked PNC business credit card+3,4

$3,000

Maintain the minimum average monthly collected balance required

$25,000

Maintain average combined collected balance in linked business checking and money market accounts+3

$50,000

Maintain average combined business loan(s) balance of+3

$75,000

Maintain any one of these additional PNC business services+5
  • Deposit On-Site®
  • DepositNow®
  • PINACLE®
  • Cash Logistics
  • Remote Safe
  • Cash Flow Insight® Payables
  • Cash Flow Insight Receivables
Maintain a Visa Signature® BusinessOptions credit card+3

yes

Online & Mobile Money Management Tools
Free Online Banking and Bill Pay+6

yes

Free Mobile Banking+7

yes

Free Online Statements

yes

Cash Flow Insight
Base (Timeline, Trend, Cash In, Cash Out)

No Charge

Receivables

$15.00 per Month

Payables

$15.00 per Month

Other Account Features and Fees
Free PNC Visa® Business Debit Card

yes

Free use of PNC Bank ATMs

yes

Business Owners get Free Personal Performance Checking or Virtual Wallet® With Performance Spend+1

yes

Additional Business Checking Preferred Accounts+8

Up to 9 additional accounts with no monthly maintenance fee

Monthly Transaction Allowance at No Charge+9

1,500

Fee for Each Additional Transaction Over Monthly Allowance

$0.25

Monthly Cash Deposit Volume Allowance at No Charge+10

$50,000

Monthly Coin & Currency Furnished Allowance at No Charge

Coin: 100 rolls
Currency: $30,000

Fee for Each $100 in Additional Deposits Over Monthly Allowance

$0.25

Night Deposit Bag Processing

No Charge

Check Order Discount (when using preferred PNC check vendor, Harland Clarke)

Up to $100.00 Discount on Initial Order

Relationship Benefits
Earn cash with PNC Purchase Payback®+11

yes

Important Legal Disclosures and Information

  1. Banking and lending 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.

  2. Merchant Services 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.

  3. A maximum of 10 eligible accounts may be linked to a business checking account in each of the business checking, money market, loan, business credit card and merchant services categories. Each eligible account may only be linked to one business checking account. Eligible loan accounts will be automatically linked to the business checking account from which an automatic payment is deducted. Eligible business credit cards will be automatically linked to a business checking account using the same primary name and considering the following factors, in order of priority: a) the business checking account open the longest, and b) the business checking account with the lowest account number. Eligible Merchant Services accounts will be automatically linked to the business checking account used as the settlement account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. PNC linked loan accounts must be in good standing, paying as agreed, and not suspended, revoked or frozen; the outstanding balance on business lines of credit and the original principal amount for term loans will be used to determine the average combined loan balance. Subject to credit approval.

  4. PNC linked business credit card eligible purchases are purchases of goods or services made by you or your authorized user with an eligible linked business credit card account and includes balance transfers and convenience checks that are not subject to the cash advance rate. Eligible purchases do not include interest, fees and charges assessed to the business credit card account, cash advance transactions (including convenience checks that aresubject to the cash advance rate), and purchases made at merchants with gambling or gaming merchant category codes. Purchases made with Visa Signature® BusinessOptions credit cards are excluded.

  5. To receive relationship benefits, the checking account must be set up as the billing account for the applicable service.

  6. 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.

  7. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  8. Monthly transaction and cash deposited volumes from this account and additional accounts are aggregated to determine transaction and cash deposited fee amounts.

  9. Monthly transactions are based on the aggregated volume of deposit tickets, deposited items, paid items, and ACH credits and debits received.

  10. Monthly limit for free cash deposits includes over-the-counter, in the ATM, at the night depository, and via Quick Deposit.

  11. 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.

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

PNC, PNC Merchant Services, Deposit On-Site, DepositNow, PINACLE and BusinessOptions are registered marks of The PNC Financial Services Group, Inc. Cash Flow Optimized and Cash Flow Insight are service marks of The PNC Financial Services Group, Inc.