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 Maintenance Fee | $12 (waivable) | $0 |
| Minimum Opening Deposit | $100 | — |
| Cash Deposit Limit | $5,000 per month free | $2,000/mo free |
| Transaction Limit | 150 per month free | 50 per month |
| Non-PNC ATM Fee | $3.00 | — |
| Excess Transaction Fee | — | $0.50 per item |
| Overdraft Fee | — | $36 |
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.
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 option for local businesses that can maintain a $500 balance to dodge fees.
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.
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.