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. See PNC Purchase Payback Rewards Program Terms and Conditions for additional details and limitations.
Business Checking for Basic Needs
A business checking account ideal for small businesses and startups
Features & Benefits
You need a basic business checking account, plus the convenience to bank on your terms, whether day or night.
- No charge for up to 150 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.[2]
- $5,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.[3]
- Cash Flow Insight®[4]: Spend Analysis, Timeline, Trend, Cash In, Cash Out - tools and insights to help operate your business confidently. Cash Flow Insight is enabled for all eligible new business checking account customers enrolling in Online Banking.
- No charge for Online Statements, or get Paper Statements for a small fee.
- No ATM transaction fees at PNC Bank ATMs.
- Free PNC Bank Visa® Business Debit Card.
- No set-up fee for Overdraft Protection.
- Free Online Banking[5] and Bill Pay.[6]
- Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
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.
Pricing
What you need to know.
Required Minimum to Open: $100
Monthly Account Maintenance Fee: $12
There is no Monthly Account Maintenance Fee
for the first three statement cycles.
3 Ways to Avoid the Monthly Account Maintenance Fee:
Each month the PNC business checking account will be automatically reviewed to see if it qualifies for an account maintenance fee offset by meeting any ONE of the following three conditions:
Maintain $500
Average Monthly Collected Balance in this account
OR
Use a linked PNC business credit card to make
a minimum of $500 in eligible purchases.[7,8,9]
During the billing cycle ending immediately prior to the date the Monthly Account Maintenance Fee is to be assessed to the PNC business checking account.
OR
Maintain an eligible linked Merchant Account and generate a minimum of $500 in qualifying monthly deposits.[10,11,12]
The business checking account receiving deposits associated with an eligible Merchant Account is the only account eligible to avoid the monthly account maintenance fee.
For each months’ statement cycle, we will review each of the three options above to determine if any one option is met to avoid the Monthly Account Maintenance Fee. You do not need to qualify in the same manner each statement cycle.
Cash Flow Solutions
Take control over what’s in, what’s out and what’s possible for your business.
How to Apply
We know you’re busy. We offer more ways to apply to make it easy to get started.
Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank.
Choose Your Business Entity Type
Determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:
- SSN of owner who will sign on the account
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- SSN of partners who will sign on the account
- Partnership Agreement
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of members, managers or partners who will sign on account
- Operating Agreement
- An Operating Agreement may not be necessary if it isn’t required by the state. Additional supporting documentation may be requested for account opening.
- Limited Partnership Agreement (LLP only)
- Certification of Formation/Organization (LLC) or Certificate of Limited Partnership (LLP)
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of officers or directors who will sign on account
- By-laws
- Articles of Incorporation and any amendments
- Certification of Formation/Organization
- Board of directors meeting minutes (signed and dated).
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- SSN of officers or directors who will sign on the account
- By-laws
- Certification of Formation/Organization
- Board of directors meeting minutes (signed and dated)
- Authorization letter on company letterhead
- Fictitious Name Registration, also known as Trade Name Registration, Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration.
- Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
- Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership
- Review the entity type above associated with your Non-Profit Organization to determine which documents to provide (Partnership, LLC, Corporation)
- A 501(c) tax form or state Non-Profit registration may be needed for certain product eligibility
You may also want to review our current Service charges & fees before applying.
To start your application, please call us at 1-855-762-2365 between the hours of 8:30 a.m. and 8:00 p.m. ET, Monday through Friday.
Have Questions?
We're here to help.
We Also Recommend
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See our Business Checking Accounts and Related Charges disclosure for further information.
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Monthly limit for free cash deposits includes over-the-counter, at the night depository, and via Quick Deposit.
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Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. Cash Flow Insight and its additional tools (Receivables, Payables, and Accounting Software Sync) are available for enrollment exclusively within PNC Online Banking. 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). Fee waiver period is offered to each customer one time only in a single continuous set of 60 days for Cash Flow Insight with Payables Receivables and Accounting Software Sync (any combination of the three tools).
For supported accounting software, how to un-enroll and other details, call 855-762-2361 or visit pnc.com/cashflowinsight. Offer may be extended, modified or discontinued at any time without notice and may vary by market. No purchase necessary. See full offer disclosure.
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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.
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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.
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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.
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A maximum of 10 eligible accounts may be linked to a Business Checking account in each of the business credit card and merchant 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.
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Subject to credit approval. Additional fees apply. PNC Bank, National Association is the creditor and issuer of the PNC Bank business credit cards.
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PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc. Merchant Services are not deposit products. PNC Merchant Services does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are provided by PNC Merchant Services Company and are subject to application, credit review of the business and its owners, and approval.
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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.
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A qualifying deposit is an electronic deposit made directly into this checking account by PNC of funds associated with your Merchant Account. Transfers made from one account to another or processing deposits from other merchant services sources are not eligible to meet this requirement. Eligible Merchant Account means an active merchant payment processing account with PNC Merchant Services® Company or Tempus Technologies, Inc., Subsidiaries of PNC Bank N.A., including PNC Mobile AcceptSM.
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Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees starting at $20. Transactions and additional user fees may apply. Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.
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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. Must sign up for this service.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Cash Flow Insight requires an eligible PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight. Cash Flow Insight is a registered mark of The PNC Financial Services Group, Inc. U.S. Patent Nos. 10,402,910, 9,965,808, and 11,074,660, and other patents pending.
All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.
Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
PNC and PNC Merchant Services are registered marks of The PNC Financial Services Group, Inc.
PNC Mobile Accept and Mobile Accept are registered marks of The PNC Financial Services Group, Inc.
QuickBooks® is a registered trademark of Intuit®, Inc.
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.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.