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Compare Business Checking Accounts

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Select 3 accounts from below to compare:

Just 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.

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.

Special Offers
Earn a cash reward when you open a new business checking account
Minimum Balance to Open
Low Opening Balance Requirements

$100

$100

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.

per account, starting with the 4th month after account opening
No Monthly Account Maintenance Fee if You Meet Any ONE of the Following:
Maintain the minimum average monthly collected balance

$500

$5,000

OR Make the minimum monthly eligible purchases with a linked PNC business credit card+2,3

$500

$5,000

OR Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+3,4,5
OR Maintain average combined collected balance in linked business checking and money market accounts+2

-

$20,000

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

yes

yes

Free Mobile Banking+7

yes

yes

Online Statements

Downloadable online statements are available free of charge.

Paper Statements are also available, for a small monthly fee.

Downloadable online statements are available free of charge.

Paper Statements are also available, for a small monthly fee.

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

$10 per Month

No Charge

Receivables

$15 per Month

$15 per Month

Payables

$15 per Month

$15 per Month

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

yes

yes

Free use of PNC Bank ATMs

yes

yes

Personal Performance Checking or Virtual Wallet® with Performance Spend checking account with no monthly service charge for business owners+1
Monthly Transaction Allowance at No Charge+8

150 transactions

500 transactions

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$5,000

$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

$0.25

Night Deposit Bag Processing

$3 per Bag

$3 per Bag

Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

yes

Business Checking

What Will I Need to Apply? »

Learn More »

Just 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.

Special Offers
Earn a cash reward when you open a new business checking account
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:
Maintain the minimum average monthly collected balance

$500

OR Make the minimum monthly eligible purchases with a linked PNC business credit card+2,3

$500

OR Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+3,4,5
OR Maintain average combined collected balance in linked business checking and money market accounts+2

-

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

yes

Free Mobile Banking+7

yes

Online Statements

Downloadable online statements are available free of charge.

Paper Statements are also available, for a small monthly fee.

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

$10 per Month

Receivables

$15 per Month

Payables

$15 per Month

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

yes

Free use of PNC Bank ATMs

yes

Personal Performance Checking or Virtual Wallet® with Performance Spend checking account with no monthly service charge for business owners+1
Monthly Transaction Allowance at No Charge+8

150 transactions

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$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 per Bag

Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Business Checking Plus

What Will I Need to Apply? »

Learn More »

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.

Special Offers
Earn a cash reward when you open a new business checking account
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:
Maintain the minimum average monthly collected balance

$5,000

OR Make the minimum monthly eligible purchases with a linked PNC business credit card+2,3

$5,000

OR Maintain a linked PNC Merchant Services account and generate the minimum in qualifying monthly processing deposits+3,4,5
OR Maintain average combined collected balance in linked business checking and money market accounts+2

$20,000

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

yes

Free Mobile Banking+7

yes

Online Statements

Downloadable online statements are available free of charge.

Paper Statements are also available, for a small monthly fee.

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

No Charge

Receivables

$15 per Month

Payables

$15 per Month

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

yes

Free use of PNC Bank ATMs

yes

Personal Performance Checking or Virtual Wallet® with Performance Spend checking account with no monthly service charge for business owners+1
Monthly Transaction Allowance at No Charge+8

500 transactions

Fee for Each Additional Transaction Over Monthly Allowance

$0.50

Monthly Cash Deposit Volume Allowance at No Charge+9

$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 per Bag

Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Important Legal Disclosures and Information

  1. See our Business Checking Accounts and Related Charges disclosure for further information.

  2. A maximum of 10 eligible accounts may be linked to a business checking account in each of the business checking, money market, business credit card and merchant services categories. Each eligible account may only be linked to one business checking account. Some accounts may not be eligible to be linked based on titling structure, product type or other constraints. Subject to credit approval.

  3. 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 are subject to the cash advance rate), and purchases made at merchants with gambling or gaming merchant category codes. Subject to credit approval.  

  4. 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.

  5. 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.

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

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

  10. 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. 

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

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.