PNC Business Checking vs Truist Simple Business Checking: which one fits your business?
Side-by-side comparison of PNC Business Checking and Truist Simple Business Checking — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: PNC Business Checking wins on our scorecard (7.2/10 vs 7/10).
| Scored on | PNC Business Checking | Truist Simple Business Checking |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 7 | 8 |
| Customer support | 6 | 6 |
| Features | 7 | 6 |
| Monthly Service Fee | $12 (waivable) | — |
| Min. Balance to Waive Fee | $500 | — |
| Free Transactions | 150 per month | — |
| Free Cash Deposits | $5,000 per month | — |
| Overdraft Fee | $36 per item | $36 |
| Monthly Maintenance Fee | — | $0 |
| Transaction Limit | — | 50 per month |
| Excess Transaction Fee | — | $0.50 per item |
| Cash Deposit Limit | — | $2,000/mo free |
PNC Business Checking in one paragraph
A reliable, branch-heavy banking staple for local businesses that handle cash, though it lacks the high-tech bells and whistles of modern fintechs.
Skip it if: You run a high-volume e-commerce business with over 200 monthly transactions and zero need for cash deposits.
Truist Simple Business Checking in one paragraph
A solid, no-frills entry point for low-volume local businesses that value physical branch access over high-tech features.
Skip it if: Skip it if you process more than 50 transactions a month or need your idle cash to earn a competitive interest rate.
Frequently asked questions
Which is better, PNC Business Checking or Truist Simple Business Checking?
On our five-axis scorecard, PNC Business Checking scores higher (7.2/10 vs 7/10). A reliable, branch-heavy banking staple for local businesses that handle cash, though it lacks the high-tech bells and whistles of modern fintechs.
Who should skip PNC Business Checking?
You run a high-volume e-commerce business with over 200 monthly transactions and zero need for cash deposits.
Who should skip Truist Simple Business Checking?
Skip it if you process more than 50 transactions a month or need your idle cash to earn a competitive interest rate.