PNC Business Checking (Standard / Plus)

Guidance checked October 23, 2026. Full account terms last verified October 23, 2026; location-specific rates and eligibility still require confirmation with the bank.

Account Terms History

A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.

Monthly fees and ways to waive them

Each row links to the official account details. Waiver requirements apply by statement period; other service fees may still apply. Checked 2026-10-23.

Features

• ▸Standard offers three ways to waive the monthly fee; Plus adds an eligible combined-balance route
• ▸Monthly transaction allowances count deposits, deposited items, paid items and received ACH credits/debits
• ▸Cash allowances cover counter deposits, night depository and Quick Deposit
• ▸Online statements are free; paper statements and optional services can cost extra
• ▸Cash Flow Insight monitoring is included; expanded Pay, Receive and Sync services carry separate pricing
• ▸Plus can waive an eligible personal checking maintenance fee when you ask PNC to apply the benefit

The $100 opening deposit and fee-waiver balances serve different purposes

Both accounts require $100 to open. After the initial three free statement cycles, Standard costs $12 monthly unless one waiver applies; Plus costs $22. A $500 average monthly collected balance can waive Standard, while Plus requires $5,000 in the account or $20,000 across eligible linked checking and money-market accounts. A brief deposit does not establish a monthly average. Collected balance is also a different test from the average ledger balance used for the opening bonus.

Which credit-card purchases and merchant deposits waive the fee?

The alternative thresholds are $500 for Standard and $5,000 for Plus. Eligible linked business-card purchases are measured in the card billing cycle ending immediately before the checking fee assessment. Merchant deposits must come directly from eligible PNC or Tempus processing into the account receiving the waiver; ordinary transfers and other processors do not qualify. Eligible cards under the same customer profile may link automatically, but other relationships can require a request. Ask PNC to confirm which checking account receives each benefit.

Standard versus Plus: a monthly cost example

Suppose a business has 200 counted transactions and $8,000 in covered cash deposits in a month after the introductory waiver, with neither ongoing maintenance fee waived. Standard costs $12 plus $25 for 50 excess items and $9 for $3,000 of excess cash: $46. Plus costs $22 because that activity fits its allowances. If both maintenance fees are waived, the same activity costs $34 on Standard and $0 on Plus before other services. This example uses PNC’s published item and cash charges; your deposit methods, transaction count and waiver eligibility determine the actual result.

The current bonus uses three monthly statement cycles

The October 1–December 31, 2026 offer pays $400 on eligible new Standard or Plus accounts after a $2,000 average ledger balance in each of the first three statement cycles and ten qualifying transactions in total during those cycles. Ten per cycle is not the requirement in the detailed offer disclosure. Those cycles are not necessarily exactly 90 days. The bank separately allows up to 90 days after completing the conditions to pay. The $1,000 advertisement applies to Treasury Enterprise Plan or Analysis Business Checking, not these two tiers. See the linked bonus review for signer exclusions and eligible activity.

Cash Flow Insight: basic monitoring versus paid tools

Basic cash-flow monitoring is available through enrolled online banking. The expanded Pay, Receive and Sync tools require enrollment and have subscription pricing; transaction and additional-user charges can also apply. The advertised 60-day monthly and transaction fee waiver is a single continuous introductory period, not permanently free accounting sync. Before enabling invoicing, payables or accounting integration, check the selected services and their ongoing charges.

Other costs: ATMs, statements and overdrafts

Plus reimburses the first two PNC charges for non-PNC ATM use each statement period, but not the machine owner’s surcharge. The reimbursement occurs at period-end; closing or changing the account before then can prevent it. Online statements cost nothing, while ordinary paper statements cost $3 per period. Paid overdrafts and returned items can each cost $36, with a combined maximum of four fees daily. PNC refunds overdraft-item fees when the posted end-of-day overdraft is $5 or less. A free overdraft-protection setup does not eliminate these charges.

Opening an LLC, sole-proprietor or nonprofit account

PNC asks for two acceptable forms of ID, a business tax ID or eligible sole-proprietor SSN, and documents establishing the business and the signer’s authority. LLC applicants should consult the entity-specific list for formation documents and any required operating agreement. Additional information may be requested. The older product named Non-Profit Checking is closed to new accounts in the fee schedule; that does not establish that a nonprofit is ineligible for all PNC business accounts. Confirm the appropriate product, documents and local availability with PNC before applying.

Frequently asked questions