PNC
PNC Business Checking (Standard / Plus)
Regional-bank checking with low waiver bars and Cash Flow Insight tools
Insurance: FDIC insured up to $250,000 (PNC Bank, N.A.)
Plan Options
Business Checking
$12, waived with $500 average monthly collected balance, $500 in linked PNC business credit card purchases, or $500 in linked merchant account deposits
- ▸150 free transactions per month, then $0.50 each
- ▸$5,000 free cash deposits per month
- ▸Cash Flow Insight tools included with online banking
Business Checking Plus
$20, waived with $5,000 average collected balance, $5,000 in card purchases, $5,000 in merchant deposits, or $20,000 combined checking and money market balances
- ▸500 free transactions per month
- ▸$10,000 free cash deposits per month
- ▸Higher limits for growing businesses, same toolset
Features
- ▸$500 waiver bar on the entry account is among the lowest at any branch bank
- ▸Credit card spend and merchant deposits both count toward waivers
- ▸Cash Flow Insight: invoicing, payables/receivables, and accounting sync
- ▸150 / 500 free transactions and $5,000 / $10,000 free cash by tier
- ▸2,200+ branches across the East and Midwest
- ▸New-account cash offers appear regularly
Pros
- +Easiest balance waiver of any big regional: just $500
- +Three non-balance waiver paths give flexibility
- +Cash Flow Insight is a genuinely useful built-in toolset
- +Solid branch coverage in the eastern half of the country
Cons
- −No interest on balances
- −$0.50 per-item overage is on the high side
- −Premium treasury features require upgrading past these tiers
- −App ratings trail the biggest national banks
Our Take
PNC quietly offers the lowest fee-waiver bar in branch banking; $500 in balance or card spend keeps the entry account free, and 150 transactions with $5,000 in cash deposits covers most small operations. Plus is a sensible step up when volume triples. It will not wow anyone, but as a no-drama regional operating account it is hard to fault.
Best for: Small businesses in PNC's footprint that want a near-automatic fee waiver
Open at PNC →Last verified 2026-06-11
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