PNC
PNC Business Checking (Standard / Plus)
By Alex Compton · Last verified
Regional-bank checking with low waiver bars and Cash Flow Insight tools
Insurance: FDIC insured up to $250,000 (PNC Bank, N.A.)
Live Bonus
This account currently pays a $400 opening bonus: $400 after maintaining $2,000 and completing 10 qualifying transactions. See the full requirements.
Source checked September 4, 2026 · Offer ends September 30, 2026
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-09-04 | None | $12 Business Checking / $22 Business Checking Plus; waivable, with the first 3 statement cycles free | $100 | PNC business checking comparison →Corrected the Plus fee to $22 and reconfirmed waiver paths, transaction and cash allowances, ATM access, and the current $400 offer |
| 2026-06-11 | None | $12 Business Checking / $20 Business Checking Plus; waivable | $100 | Archive record · no attached snapshotLegacy snapshot; Business Checking Plus was recorded at $20 |
Primary-source verification log
Append-only evidence ledger- changed
Corrected Business Checking Plus from $20 to $22 and reconfirmed waiver paths, allowances, ATM access, minimum opening deposit, and current offer cross-link.
Fields: monthlyFee, plans, features, bonusSlug, termHistory, lastVerified
PNC business checking comparison →
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
$22, 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
- ▸$400 public offer through September 30, 2026 after a $2,000 average ledger balance in each of the first three statement cycles and 10 total qualifying transactions
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 2026-09-04
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