Treasury Enterprise Plan

For businesses with higher cash deposit and transaction needs.

You have more volume and variety in your transactions and want more tools to help track and manage cash flow. You want easier booking for multiple checking accounts, or a sweep account to earn interest on excess balances.

Get Started with PNC

Get your account application started online.


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

The Treasury Enterprise Plan is a Business Banking and Treasury Management checking package for Analysis Business Checking accounts.

Features and Benefits

Higher Limits

More combined transactions and cash deposited activity without charge.

Avoid Monthly Account Maintenance Fee

Speak to a PNC Banker to learn more about product features that help avoid the Monthly Account Maintenance Fee.

Treasury Management to Fit Your Business

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

  • The Treasury Enterprise Plan is a Business Banking and Treasury Management checking package for Analysis Business Checking accounts.
  • No charge for up to 2,500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received
  • $50,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge
  • The Monthly Account Maintenance Fee will be waived on up to four beneficiary checking accounts. You have the option to add more than four beneficiary accounts for an additional $10.00 Monthly Account Maintenance Fee for each beneficiary account over four. The monthly average collected balance, transaction, and cash deposited volumes are aggregated for the master and all beneficiary accounts to determine Earnings Credit, Master Monthly Account Maintenance Fee, transaction, and cash deposit fee amounts.
  • Link multiple PNC Bank business checking accounts together to help consolidate balances, simplify bookkeeping and service charges
  • Two investment options for excess cash: Premium Business Money Market account or Business Sweep account with no Monthly Account Maintenance Fee
  • More online banking options – Free Online Banking[1] and Bill Pay[2]. For a more critical level of account detail, reporting and options, move up to PINACLE® Express or PINACLE®.
  • No charge for online or paper statements
  • No ATM transaction fees at PNC Bank ATMs
  • No set-up fee for Overdraft Protection
  • Free Visa® Business Debit Card
  • Earn cash with PNC Purchase Payback®[3] for making everyday purchases
  • Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.


Required Minimum to Open:  $100

Monthly Account Maintenance Fee:  $50

No Monthly Account Maintenance Fee for the first three statement cycles.

How to Avoid Monthly Account Maintenance Fee:

Maintain $30,000 in combined accounts*

*Average Monthly Collected Balance is combined for the master and all additional beneficiary business checking accounts.

Earnings Credit:

An earnings credit[4] is applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.

View complete Business Checking Account and Related Charges »

Cash Flow Solutions

Take control over what’s in, what’s out and what’s possible for your business.

Accelerate Receivables

  • Cash Flow Insight® – Receivables - Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders, all for $15 per month.
  • PNC Merchant Services®[5] - Next business day funding[6] on payment processing transactions when deposited to your PNC Analysis Business Checking account.[7]

Improve Payment Practices

  • PNC Bank Visa® Business Debit Card - Save money when you reduce the number of checks you need to buy and write
  • PNC business credit card[8] - No Annual Fee. (Excludes PNC BusinessOptions® Visa Signature®). Use your card to make payments and better track your expenses. 
  • Cash Flow Insight® – Payables: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically and sync with your existing accounting software[9], all for $15 per month.

Monitor and Project Cash

  • Online Banking & 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.[1,2]
  • Cash Flow Insight® – Base (Spend Analysis Timeline, Trend, Cash In, Cash Out)  Make more informed financial decisions and turn seeing into doing, for $10 per month.
  • Cash Flow Insight® – Spend Analysis: When you enroll in Cash Flow Insight® our Spend Analysis tool will automatically assign business categories to your posted PNC business checking account transactions. This will help you monitor where you and your employees are spending and plan and budget for future business needs.
  • PINACLE Express® offers access to cash position information and to the treasury management tools needed to move your business forward. With a single sign-on, PINACLE Express offers time saving tools that can help you work more productively and make better business decisions.
How to Apply

Have questions? We're here to help.

Associated Products & Services

Business Checking Account Selector Tool

Use this tool to compare PNC's business checking accounts side-by-side and find one that fits your business needs.

Choose Your Account »

PNC Merchant Services®

We help you streamline incoming payments by providing solutions for authorizing, clearing and settling credit and debit card transactions.

Learn More »

Cash Flow Insight®

Manage your business's cash flow with efficiency, control and insight. See your business performance, plan for what's coming, track your expenses.

Learn How »

Important Legal Disclosures & Information

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  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. 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.

  7. 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.

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

  9. Your Receivables and/or Payables data within Cash Flow Insight can sync with the following supported accounting software: QuickBooks® for Windows, QuickBooks® Online, Intacct®, NetSuite® and Xero®. There is a fee for this syncing service. Users of other accounting software, such as Sage 50 and Microsoft Dynamics® GP, can use the import/export functionality within Cash Flow Insight at no additional cost.

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

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

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

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

All other trademarks are the property of their respective owners.

Bank deposit, treasury management, and lending products and services are provided by PNC Bank, National Association (N.A.), a wholly owned subsidiary of PNC and Member FDIC.

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