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  PNC Bank Business Checking

PNC Bank Business Checking

in Business Checking Accounts from PNC Bank · fdic

Unaffiliated

PNC Bank Business Checking

Unaffiliated

in Business Checking Accounts from PNC Bank · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0 - $10
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee Starting at $500
APY (Annual Percentage Yield) 0%

PNC Bank Business Checking Review

PNC Bank Business Checking is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank Business Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • $200 Bonus offer. Open a new account and you can get up to $200 if you deposit a minimum of $5,000 (see terms and conditions for more details).
  • 0% APY. As with most checking accounts, PNC Bank Business Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $10, but the fee is waived if you keep a minimum balance of $500.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Bill pay. Pay your bills to practically anyone in the United States through PNC Bank.
PNC Bank Business Checking Pros & Cons
Pros Cons
  • Generous signup bonus.
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • Does not earn interest
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
PNC Bank Business Checking FAQ

Are business checking accounts from PNC Bank federally insured?

Yes, your PNC Bank business checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does PNC Bank Business Checking offer?

PNC Bank Business Checking is not an interest-bearing account.

What are the account minimums for PNC Bank Business Checking?

PNC Bank Business Checking requires a minimum initial deposit of $100 to open an account.

PNC Bank Business Checking Account Minimums
Description Amount
Minimum Initial Deposit $100
Minimum Balance to Avoid Monthly Fee $500

What fees does PNC Bank Business Checking charge?

This account charges a monthly maintenance fee of up to $10.

PNC Bank Business Checking Fees
Description
ATM Fee: In-Network 0
ATM Fee: Out-of-Network $3
ATM Reimbursement Monthly Limit 6
Check Copy 5
Check Image Service 3
Debit Card Replacement Fee $7.50
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $10
NSF Fee 36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee 2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $20
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $13
Wire Transfer Fee - Domestic (Outgoing) 90
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) 110

What features and perks does PNC Bank Business Checking offer?

This account includes the following features:

  • Signup Bonus - Open an account and you will receive a signup bonus of up to $200 if you deposit a minimum of $5,000.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - PNC Bank Business Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - PNC Bank Business Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From PNC Bank Business Checking

Every business needs a good foundation, starting with a PNC business checking account. You need checking, but don’t do a lot of transactions. You need the basics, plus the convenience to bank on your terms, day or night.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

Icon for Business Checking Accounts
View all business checking accounts offered by PNC Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Balance to Avoid Monthly Fee Starting at $500
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network 0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
ATM Fee: Out-of-Network $3
ATM Reimbursement Monthly Limit 6
Check Copy 5
Check Image Service 3
Debit Card Replacement Fee $7.50
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $10
NSF Fee 36
Overdraft Item Fee $36
Paper Statement Fee 2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $20
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $13
Wire Transfer Fee - Domestic (Outgoing) 90
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) 110
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management
Bonus Offer Earn a $200 Cash Reward. Maintain a minimum average ledger balance of $5,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Debit Card transactions within the first three statement cycles.
Signup Bonus $200
Signup Deposit Requirement 5,000

PNC Bank Business Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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