Getting Started: Set Up Your PNC Business Checking Account

1. Enroll in Online Banking^[1]

Stay on top of balances, monitor transactions, transfer funds and more
– in a secure experience.

PNC Mobile App

(External)
(External)

Learn more about the PNC Mobile App^[2]

Online Banking

Enroll in Online Banking

2. Fund Your Account

You'll need to add funds to your account to realize its full benefits. You can fund your account using any of these convenient methods:

Online Banking

Transfer funds from another PNC account or an external account.

PNC Mobile App

Make a transfer, mobile check deposit or use Zelle.^[3]

Mobile Deposit

Zelle®

Visit a Branch

Find a location and
stop by to see us.

Find a Branch

Visit an ATM

Use your debit card or card-free access to fund your account at any DepositEasy^SM ATM.

Get to Know PNC ATMs

Find an ATM

Avoid Monthly Account Maintenance Fees

If you meet certain criteria, you can avoid monthly fees. Check out our Ways to Avoid Monthly Account Maintenance Fees for details and contact your PNC Business Banker with any questions you may have.

3. Pay and Get Paid

Manage Cash Flow with digital tools and payment options.

Pay Receive Sync

Pay vendors with ACH and send invoices to get paid from your clients.^[4,5]

Learn more about Pay Receive Sync

Bill Pay

Make one-time or recurring payments – you decide who, when and how much to pay.^[6]

Learn More about Bill Pay

Zelle®

Send, receive and request payments between U.S. bank accounts – it’s fast and easy. Zelle is only available in the PNC Mobile app.

Learn More about Zelle®

Remote Deposit

Scan checks for deposit without making a trip to a branch or ATM.^[7,8]

Learn More about Remote Deposit

4. Activate Your Debit Card

For full account access, you’ll need to receive and
activate your PNC Bank Visa® Business Debit Card.

You can activate your debit card using these methods:

In Online Banking or the PNC Mobile app
By calling the phone number on the sticker on the card
At any PNC ATM by completing any transaction with your PIN.
- If you created a PIN, use that.
- If you didn’t create a PIN, one was mailed separately to you.

Frequently Asked Questions

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Contact Us

Let’s Meet

Review your calendar and find a
convenient time to meet with us.

Schedule an Appointment

Visit Us

Find a PNC location near you
and stop by to see us.

Find a PNC Branch

Call Us

Mon - Fri: 8 a.m. - 9 p.m. ET
Sat - Sun: 8 a.m. - 5 p.m. ET

1-877-BUS-BNKG (287-2654)

Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
PNC doesn’t currently charge a fee to send or receive money with Zelle^®. However, your enrolled PNC account may incur overdraft fees, monthly service charges, and other fees as described in your account fee schedule.

Zelle^® should only be used to send or receive money with people you know and trust. Before using Zelle^® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Zelle^® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle^® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle^® Terms of Use.

To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®.
Enrollment in any combination of additional Cash Flow Insight tools (Payables, Receivables, and Accounting Software Sync) will result in monthly subscription fees. Transactions and additional user fees may apply.

Payables, Receivables, and Accounting Software Sync functions and data are only available for as long as enrollment in the service is maintained.
Your Payables and/or Receivables data within Cash Flow Insight can sync with the following supported accounting software: QuickBooks^® for Windows, QuickBooks^® Online, Intacct^®, NetSuite^® and Xero^®. There is a fee for this syncing service. Users of other accounting software, such as Sage 50 and Microsoft Dynamics^® GP, can use the import/export functionality within Cash Flow Insight at no additional cost. Must sign up for this service.
Online Bill Pay is a service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
PNC provides at no extra cost a single-feed scanner, and length of use may be extended, modified, or withdrawn at any time without notice, and may vary by market. Customers may also choose to purchase a non-PNC provided, compatible, multi-feed scanner. Monthly service fees may apply. If service is cancelled within one year of enrollment, an early termination fee may be applied. If scanner is not returned within 30 days of your cancellation, an unreturned scanner fee may be imposed. Please refer to your Remote Deposit agreement for full details.
Eligibility for Remote Deposit is subject to bank approval and requires a PNC business checking account. Funds may not be available for immediate withdrawal. Please refer to your Remote Deposit Service Agreement and applicable funds availability policy for your PNC business checking account to determine when your funds will be available.

PNC DepositEasy is a service mark of The PNC Financial Services Group, Inc.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Banking products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

Cash Flow Insight requires a PNC business checking account and enrollment in PNC Online Banking. Cash Flow Insight is enabled for all new business checking customers enrolling in Online Banking. For more information, visit pnc.com/cashflowinsight.

Cash Flow Insight^® is a registered mark of The PNC Financial Services Group, Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

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Sign On to Online Banking or select another service

Getting Started

Set up your business checking account

1. Enroll in Online Banking[1]

Stay on top of balances, monitor transactions, transfer funds and more – in a secure experience.

PNC Mobile App

Online Banking

2. Fund Your Account

You'll need to add funds to your account to realize its full benefits. You can fund your account using any of these convenient methods:

Online Banking

PNC Mobile App

Visit a Branch

Visit an ATM

Avoid Monthly Account Maintenance Fees

3. Pay and Get Paid

Manage Cash Flow with digital tools and payment options.

Pay Receive Sync

Bill Pay

Zelle®

Remote Deposit

4. Activate Your Debit Card

For full account access, you’ll need to receive and activate your PNC Bank Visa® Business Debit Card.

Frequently Asked Questions

How do I make a deposit for an account I opened online?

When can I use my deposited funds?

Can I avoid monthly fees?

How can I order or reorder checks?

How do I replace my debit card?

How is my financial information secured?

Insights

Get the most out of your day and keep your business moving forward.

Business Products & Services

Explore banking recommendations

Contact Us

Let’s Meet

Visit Us

Call Us

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Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

Set up your business
checking account

1. Enroll in Online Banking^[1]

Stay on top of balances, monitor transactions, transfer funds and more
– in a secure experience.

For full account access, you’ll need to receive and
activate your PNC Bank Visa® Business Debit Card.