PNC Bank is offering three business checking account bonuses where you can earn either a $400 or $1,000 bonus after completing qualifying activities. Each offer, its bonus requirements, and account features & benefits are listed below.
For more current bank offers, see our bank bonuses page. The most popular offers are from Chase Bank, SoFi, KeyBank, BMO and Axos Bank.
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PNC Bank Business Checking Account Offers
PNC is offering a $400 bonus if you open a Business Checking or Business Checking Plus account and complete qualifying activities. The bank is offering a $1,000 bonus if you open a Treasury Enterprise Plan and complete qualifying activities.
Availability: AL, CA, DC, DE, FL, GA, IL, IN, KY, MD, MA, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI, and WV
Expiration: 03/31/2025
Household Limit: None
Direct Deposit Required: No
Soft/Hard Pull: Soft
Early Account Termination Fee: $25 if closed within six months
All three offers are broken down below:
Offer #1: Business Checking
Earn a $400 bonus when you open Business Checking account and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa Business Debit Card transactions within the first three statement cycles.
Business Checking Overview:
- $100 minimum required to open.
- No charge for up to 150 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.
- No charge for up to $5,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.
Business Checking Fees:
- $12 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $500 average monthly collected balance or
- Use a linked PNC business credit card to make a minimum of $500 in eligible purchases or
- Maintain an eligible Merchant Services account and generate a minimum of $500 in qualifying monthly processing deposits.
Offer #2: Business Checking Plus
Earn a $400 bonus when you open Business Checking Plus account and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa Business Debit Card transactions within the first three statement cycles.
Business Checking Plus Overview:
- $100 minimum required to open.
- No charge for up to 500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.
- No charge for up to $10,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit at no charge.
Business Checking Plus Fees:
- $22 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $5,000 average monthly collected balance or
- Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases or
- Maintain an eligible Merchant Services account and generate a minimum of $5,000 in qualifying monthly processing deposits or
- Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account.
Offer #3: Treasury Enterprise Plan
Earn a $1,000 bonus when you open Analysis Business Checking account and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.
Treasury Enterprise Plan Overview:
- $100 minimum required to open.
- No charge for up to 2,500 transactions per month based on the combined volume of deposits, deposited items, paid items, and ACH credits and debits received.
- No charge for up to $50,000 cash deposited per month over-the-counter, at the night depository or via Quick Deposit.
- Up to four additional business checking accounts with no Monthly Account Maintenance Fee. You have the option to add more than four beneficiary accounts for an additional $10.00 Monthly Account Maintenance Fee for each beneficiary account over four.
- Two investment options for excess cash: Premium Business Money Market Account or MMDA Sweep Account with no Monthly Account Maintenance Fee.
Treasury Enterprise Plan Fees:
- The Treasury Enterprise Plan is a Business Banking and Treasury Management checking services package for Analysis Business Checking accounts.
- $50 Monthly Account Maintenance Fee, unless you
- Maintain $30,000 Average Combined Monthly Collected Balance in the master and all additional beneficiary business checking accounts.
- An Earnings Credit is applied only to the average monthly collected balances in excess of $125,000 to reduce or offset certain transaction fees.
Promotion Terms & Conditions
- Offer only available to businesses with an annual revenue less than $5 million.
- Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible.
- Already established, converted or repurposed PNC checking or savings accounts are not eligible.
- If you change your account type after opening, the account type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
- Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle. A qualifying debit card transaction is defined as any debit card purchase made at point of sale using your signature or PIN; or a purchase made electronically or online using your debit card number, including recurring payments. Any combination of qualifying PNC Visa® Business Debit Card transactions is acceptable but must equal 20 within the first three statement cycles.
- New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
- Please consult your tax advisor regarding your specific situation.
The Bottom Line
I think the $400 offer for the Business Checking account makes the most sense for most people. The monthly fee is the lowest of the three offers and it can be waived more easily too (i.e. having an average monthly balance of just $500).
Compared to PNC consumer checking accounts, this promotion isn’t available nationwide. You need to reside in one of the 22 states listed.
