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PNC business checking: $400 or $1,000 for new business accounts

Up to $1,000 bonus

· PerkSensei Desk

Open PNC Business Checking or Business Checking Plus ($400) or Treasury Enterprise Plan or Analysis Business Checking ($1,000) by Dec 31, 2026 and meet three statement cycles of activity.

Is this deal useful?
Deposit
$2,000 ($400) or $30,000 ($1,000) avg balance, 3 cycles
States
No state list on offer page
Ends
Dec 31, 2026
Bonus
$400 or $1,000
Fee
$12 to $50 a month unless waived

How to get it

  1. Open a new eligible PNC business checking account between Oct 1 and Dec 31, 2026.
  2. $400: with Business Checking or Business Checking Plus, keep a minimum average ledger balance of $2,000 and make at least 10 qualifying transactions in each of the first three statement cycles.
  3. $1,000: with Treasury Enterprise Plan or Analysis Business Checking, keep a minimum average ledger balance of $30,000 in each of the first three statement cycles.
  4. PNC credits the reward within 90 days after all conditions are met.

What it means for churners

  • The $400 tier needs only a $2,000 average balance, but 10 transactions a cycle for three cycles takes planning.
  • PNC operates in a limited footprint; check that you can open an account.

Fine print

  • Only for businesses with annual revenue under $10 million. Only accounts with monthly statement cycles qualify.
  • Not eligible if any signer has signing authority on an existing PNC business checking account, closed an account in the past 90 days, or was paid a promotional premium in the past 12 months.
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  • Established, converted or repurposed PNC accounts don't qualify. For the $1,000 offer, only master accounts count toward the balance.
  • Qualifying transactions include ACH, wire or Zelle debits or credits, PNC business debit card purchases, remote deposits, checks and PNC Online Banking or Bill Pay payments.
  • Monthly fees: Business Checking $12, Plus $22, Treasury Enterprise Plan $50 (each $0 with qualifying activity); Analysis Business Checking $25, which an earnings credit can offset.
  • The page's FAQ says to open by Sep 30, 2026, but its offer terms say Oct 1 to Dec 31, 2026. The page doesn't list eligible states.

Source

Business Checking Offers | PNCpnc.comOfficial sourceChecked Oct 17, 2026

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