Open an Analysis Business Checking account by 12/31/24

Earn $500 when you maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles,  OR

Earn $1,000 when you maintain a minimum average ledger balance of $100,000 for each of the first three statement cycles.

View Offer Details

Analysis Business Checking

For businesses who want multiple checking accounts and earnings credit for all balances.

Features & Benefits
Pricing
Cash Flow Solutions
How to Apply
Contact Us

Features & Benefits

The solution that helps you simplify things by linking multiple checking accounts for easier bookkeeping, where you pay for the banking services you use.

Cash Flow Insight®[1,9] Receivables

Manage what's coming in, create invoices, and keep an electronic archive of invoices - all in one place.

WorkPlace Banking Employee Rewards

Offset  Account Fees

An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees.[2]

Treasury Management to Fit Your Business

Designed to work as part of a suite of PNC tools to best serve your business.

  • Checking that can pay for itself - Earnings Credit on deposit balances help reduce or offset the cost of banking services[2]
  • Save money - Pay only for the banking services you use each month
  • More online banking options – Free Online Banking and Bill Pay[3,4], or for a more critical level of account information, move up to PINACLE® Express or PINACLE for enhanced detail and more options (fees apply)
  • Simplify your account management - Link multiple PNC Bank business checking accounts together to consolidate balances, simplify bookkeeping and service charges
  • No charge for Online Statements, or get Paper Statements for a small fee
  • No ATM transaction fees at PNC Bank ATMs and non-PNC Bank ATMs[5]
  • Free PNC Bank Visa® Business Debit Card
  • No annual Fee Visa® Business Credit Card[6]
  • Optional Check Safekeeping
  • PNC Purchase Payback®[7] – Earn cash back for purchases at some of your favorite places.

Not sure if Analysis Business Checking is right for you? Compare features with other PNC business checking accounts

Pricing

What you need to know.

Required Minimum to Open: $100

Monthly Account Maintenance Fee: $25*


*Then, pay per-item fees for the activity levels and services your business actually uses. An Earnings Credit is applied to reduce or offset a monthly account maintenance fee and certain transaction fees.[2]

View Complete Analysis Business Checking Account & Related Charges

Cash Flow Solutions

Take control over what’s in, what’s out and what’s possible for your business. 

Monitor & Project Cash

  • Online Banking & Bill Pay - Free online access to deposit and loan account balances, activity and recent history, paid check and deposit ticket images, transfer funds between PNC deposit and loan accounts, and pay or receive business bills electronically.[3,4]
  • Cash Flow Insight®[1]: Tools and insights to help operate your business confidently. Monitor, plan and budget your spending with business transaction categorization in Spend Analysis, get a calendar and graphical view of your upcoming transactions and balances with Timeline, plan for the future by comparing it to past performance with Trend, and forecast the money you expect to receive and payments you expect to make with Cash In and Cash Out. Cash Flow Insight is included with all eligible business checking accounts.
  • Overdraft Protection - Get optional overdraft protection for this account from a qualified PNC Bank Premium Business Money Market Account, a PNC business credit card[6] or PNC Bank Small Business Line of Credit.[8]
  • PINACLE® Express offers access to cash position information and to the treasury management tools to move your business forward. With a single sign-on, PINACLE® Express offers time saving tools that can help you work more productively and make better business decisions.

Improve Payment Practices & Accelerate Receivables

  • Cash Flow Insight® – Payables[9]: Approve, pay, schedule and archive bills faster and more efficiently. Create placeholder payables, make payments to vendors electronically.
  • Cash Flow Insight® – Receivables[9]: Create branded invoices online. Track the money you expect to receive (including new and placeholder transactions), view payment activity and schedule reminders.
  • Cash Flow Insight® – Sync[9,10]: Save time by syncing vendor, customer, bill, invoice and payment information between Cash Flow Insight and your accounting software like QuickBooks®, Xero®, Intacct®, NetSuite® and more.
  • PNC Bank Visa® Business debit card - Save money when you reduce the number of checks you need to buy and write.
  • PNC business credit card[6] - (excludes PNC BusinessOptions® Visa Signature® ) No Annual Fee. Use your card to make payments and keep better track of your expenses.
  • PNC Merchant Services® [11]- Next business day funding[12] on payment processing transactions when deposited to your PNC business checking account.[13]
  • PNC Remote Deposit[14] - PNC offers a choice of remote deposit solutions for businesses that are convenient and easy to use, and can help you optimize your cash flow. Deposit checks, day or night, without leaving your business.

How to Apply

We know you’re busy. We offer more ways to apply to make it easy to get started.

Apply By Phone

Speak to a PNC Business Banking representative
Mon - Fri: 8 a.m. – 6 p.m. ET

1-855-762-2365

Apply at a Branch

Visit us to complete an
application

Find a PNC Branch

Use our Quick Switch Kit to help you complete your transfer of checking related services to PNC Bank. 

To start an application, we will need:

  • Your business's Tax Identification Number.
  • A valid e-mail address.

What you need to take to the branch:

  • A government-issued photo ID and secondary form of identification from either of the primary or secondary ID lists below:
    Two forms of primary ID, or one form of primary ID and one of secondary ID can be used.
    • Primary ID: Driver’s license, passport, state-issued or authorized city-issued ID, resident alien ID, military ID, veteran’s healthcare ID, firearm ID or global entry card.
    • Secondary ID: US Visa, Paystub, home rental agreement, utility bill, major credit/debit card or vehicle registration.
  • Documents verifying your business registration and your authority to act on behalf of and control, manage, or direct the business.

Choose Your Business Entity Type

Determine which documents you may need to provide to verify your business registration and your authority to act on behalf of the business:

  • SSN of owner who will sign on the account
  • Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration

  • SSN of partners who will sign on the account
  • Partnership Agreement
  • Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of members, managers or partners who will sign on account
  • Operating Agreement
  • Limited Partnership Agreement (LLP only)
  • Certification of Formation/Organization (LLC) or Certificate of Limited Partnership (LLP)
  • Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business.  Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of officers or directors who will sign on account
  • By-laws
  • Articles of Incorporation and any amendments
  • Certification of Formation/Organization
  • Board of directors meeting minutes (signed and dated).
  • Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed Name Registration
  • Information regarding the individual Beneficial Owners of the business.  Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • SSN of officers or directors who will sign on the account
  • By-laws
  • Certification of Formation/Organization
  • Board of directors meeting minutes (signed and dated)
  • Authorization letter on company letterhead
  • Fictitious Name Registration (also known as Trade Name Registration), Certificate of Assumed Name, Registration of Alternate Name, or Assumed name Registration.
  • Information regarding the individual Beneficial Owners of the business. Beneficial Owners are those who own, directly or indirectly, 25% or more of the equity interests of the business. This information is collected to help fight financial crime.
    • Legal name, Social Security Number, Date of Birth, Address, Citizenship, Percent of Ownership

  • Review the entity type above associated with your Non-Profit Organization to determine which documents to provide (Partnership, LLC, Corporation)
  • A 501(c) tax form or state Non-Profit registration may be needed for certain product eligibility

You may also want to review our current Service Charges & Fees before applying.

To start your application, please call us at 1-855-762-2365 between the hours of 8:30 a.m. and 8:00 p.m. ET, Monday through Friday.

 

Have Questions?

We're here to help.

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)

Visit Us

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

Find a PNC Branch or ATM