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  PNC Bank Business Interest Checking

PNC Bank Business Interest Checking

in Business Checking Accounts from PNC Bank · fdic

Unaffiliated

PNC Bank Business Interest Checking

Unaffiliated

in Business Checking Accounts from PNC Bank · Member FDIC

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Highlights
Monthly Fee $0 - $20
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $5,000
APY (Annual Percentage Yield) Starting at 0.01%

PNC Bank Business Interest Checking Review

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

Key Takeaways
  • Charges a monthly fee. This account charges a monthly service fee of up to $20, but the fee is waived if you keep a minimum balance of $5,000.
  • $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 Interest Checking Pros & Cons
Pros Cons
  • 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.
  • No signup bonus.
  • 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 Interest 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 Interest Checking offer?

PNC Bank Business Interest Checking offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change).

PNC Bank Business Interest Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01%

What are the account minimums for PNC Bank Business Interest Checking?

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

PNC Bank Business Interest Checking Account Minimums
Description Amount
Minimum Initial Deposit $100
Minimum Balance to Avoid Monthly Fee $5,000

What fees does PNC Bank Business Interest Checking charge?

This account charges a monthly maintenance fee of up to $20.

PNC Bank Business Interest 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 - $20
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 Interest Checking offer?

This account includes the following features:

  • 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 Interest 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 Interest 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.

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 $5,000
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 - $20
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
  • Check Writing
  • Expense Management
APY (Annual Percentage Yield) Starting at 0.01%

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