PNC $400 Business Checking Bonus

The Offer: $400 bonus for opening a new PNC Business checking account and completing requirements. Offer expires March 31, 2025.

Eligibility:

Alabama, California, District of Columbia, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, North Carolina, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Virginia, Wisconsin, and West Virginia.
Not eligible 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.
Only business checking accounts with statements that cycle monthly are eligible for this offer.
Offer only available to businesses with an annual revenue less than $5 million.

Step 1: Open a new PNC “Business Checking” or “Business Checking Plus” account using the bank’s promotional offer page or in branch by March 31, 2025. $100 minimum opening deposit.

Step 2: Maintain a minimum average daily ledger balance of $2,000 for each of the first three statements cycles.

Step 3: Make at least 20 total qualifying PNC Bank Visa Business debit card transactions within the first three statement cycles.

Step 4: Your new checking account must be open in order for you to receive the $400 bonus, which will be deposited to your account within 90 days after all conditions have been met.

Summary & Links

The Good:

-No DD requirements.

-$400 bonus is competitive. This is a huge increase from the previous $200 offer.

The Bad:

– Business Checking account has a MSF of $12. Business Checking Plus account has an MSF of $22. The “Business Checking” account MSF can be waived meeting any of the following requirements:

$500 average monthly collected balance.
Use a linked PNC business credit card to make a minimum of $500 in eligible purchases.
Maintain an eligible Merchant Services account and generate a minimum of $500 in qualifying monthly processing deposits.

-PNC is known to be EWS sensitive.

-EATF of $25 if account is closed within 6 months from opening.

Overall: The bonus increase to $400 draws much attention. Some reports of initial denials followed by requests to complete a virtual appointment with a banker to open. This one is worth doing if you can get approved.

There is also a $1,000 bonus tier available for the “Treasury Enterprise Plan” account, but that requires a much higher $30,000 average daily balance for 3 statement cycles.

Link to the PNC Business offer page: PNC Business Checking Promotion.

Link to our PNC Points page: PNC Data Points .

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