Quick comparison
| Factor | PNC | Truist |
|---|---|---|
| Entry account | Business Checking | Simple Business Checking |
| Published monthly fee | $12 or $0 | $0 |
| Primary fit | Businesses in PNC markets that want a conventional branch relationship with clear tiers for basic, higher-volume and treasury-oriented operating needs. | Startups and smaller operators that can live within Simple’s 50-transaction allowance, plus growing branch-using businesses that can justify Dynamic’s much larger operating allowances or meet its relationship-balance waiver. |
Checking economics
PNC
| Account | Monthly fee | Waiver / condition | Published allowance |
|---|---|---|---|
| Business Checking | $12 or $0 | $500 average monthly collected balance, $500 eligible linked business-card purchases, or $500 qualifying linked merchant deposits | 150 monthly transactions and $5,000 monthly cash deposits at no charge under current product disclosures |
| Business Checking Plus | $22 or $0 | $5,000 average collected balance, $5,000 linked card purchases, $5,000 qualifying merchant deposits, or qualifying $20,000 linked checking/money-market balance | 500 monthly transactions and $10,000 monthly cash deposits at no charge |
| Treasury Enterprise Plan | $50 or $0 | Relationship-based waiver conditions; verify current disclosure before opening | Unlimited monthly transactions and $50,000 monthly cash deposits at no charge under current product disclosures |
Truist
| Account | Monthly fee | Waiver / condition | Published allowance |
|---|---|---|---|
| Simple Business Checking | $0 | No waiver needed | 50 combined monthly transactions; $2,000 monthly cash deposits at no charge |
| Dynamic Business Checking | $25 or $0 | $5,000 average relationship ledger balance | 500 combined monthly transactions; $25,000 monthly cash deposits at no charge |
| Community Checking | $0 | Designed for qualifying nonprofit/community organizations | 225 combined monthly transactions; $25,000 monthly cash deposits at no charge |
Decision points
Entry-level economics
PNC: Business Checking — $12 or $0. Truist: Simple Business Checking — $0. Compare the waiver mechanics with balances and activity you already maintain rather than moving money solely to avoid a fee.
Operating capacity
The published transaction and cash allowances differ by tier. A low headline fee can become less important than overage charges if your business regularly exceeds the included activity.
Relationship depth
PNC is described in our verified review as best suited to Businesses in PNC markets that want a conventional branch relationship with clear tiers for basic, higher-volume and treasury-oriented operating needs. Truist is described as best suited to Startups and smaller operators that can live within Simple’s 50-transaction allowance, plus growing branch-using businesses that can justify Dynamic’s much larger operating allowances or meet its relationship-balance waiver.
Treasury and payments
For ACH, wires, merchant services, fraud controls and cash-management tools, compare service-specific pricing separately from checking fees. Treasury economics often matter more once payment volume grows.
Operating fit
PNC
PNC is most relevant to businesses operating inside its branch footprint that want a traditional bank with a visible progression from basic checking into heavier transaction and treasury needs. Its product ladder is easy to understand: Business Checking for lighter activity, Business Checking Plus for higher volume, and Treasury Enterprise Plan for more complex operations.
Truist
Truist fits businesses in its Southeast and Mid-Atlantic footprint that want branch access, a genuinely no-monthly-fee entry account and a path into a relationship account as activity grows. The key decision is less about brand size and more about whether monthly transaction and cash-deposit volume fits one of the published allowance bands.
Verified reviews
- PNC Business Banking Review
- Truist Business Banking Review
- BusinessBanks.us comparison methodology
- Source standards
Match the account to your real transaction, cash and relationship profile rather than choosing by brand size alone.
PNC and Truist can both work for established businesses, but their entry pricing, waiver mechanics and operating allowances create different cost curves. Model a normal month before deciding.