Axos Basic Business Checking vs PNC Business Checking: which one fits your business?
Side-by-side comparison of Axos Basic Business Checking and PNC Business Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Axos Basic Business Checking wins on our scorecard (7.7/10 vs 7.2/10).
| Scored on | Axos Basic Business Checking | PNC Business Checking |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 7 | 7 |
| Monthly Maintenance Fee | $0 | $12 (waivable) |
| Minimum Opening Deposit | $50 | $100 |
| Transaction Limit | 200 per month ($0.30 thereafter) | 150 per month free |
| ATM Fees | Unlimited domestic reimbursements | — |
| Cash Deposit Limit | — | $5,000 per month free |
| Non-PNC ATM Fee | — | $3.00 |
Axos Basic Business Checking in one paragraph
A rock-solid, zero-fee utility account for digital-only businesses that want the security of a direct bank relationship without the 'fintech' middleman.
Skip it if: Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
PNC Business Checking in one paragraph
A reliable, branch-heavy banking option for local businesses that can maintain a $500 balance to dodge fees.
Skip it if: You run a high-volume e-commerce business or a distributed team that cannot easily visit a physical branch office.
Frequently asked questions
Which is better, Axos Basic Business Checking or PNC Business Checking?
On our five-axis scorecard, Axos Basic Business Checking scores higher (7.7/10 vs 7.2/10). A rock-solid, zero-fee utility account for digital-only businesses that want the security of a direct bank relationship without the 'fintech' middleman.
Who should skip Axos Basic Business Checking?
Skip it if your business handles more than $3,000 in physical cash monthly or exceeds 200 transactions regularly.
Who should skip PNC Business Checking?
You run a high-volume e-commerce business or a distributed team that cannot easily visit a physical branch office.