Business Accounts

Member Business Checking Account*

  • Earn interest (minimum balance required to earn interest is $10.00)
  • $25.00 minimum opening balance
  • 24-hour online account access & bill pay
  • E-Statements 
  • MasterCard® Business Debit Card
  • Unlimited deposits and withdrawals 

Member Business Money Market*

  • Tiered Interest Rates
  • Earn interest (minimum balance required to open is $1,000.00)
  • 24-hour online access
  • E-statements 
  • Limit of 6 transactions per statement period
  • Minimum Balance Required

Member Business Savings Account

  • Earn interest (minimum balance required to earn interest is $10.00)
  • $25.00 minimum opening balance
  • 24-hour online access
  • E-statements

Member Business Term Shares*

  • Earn interest (minimum balance to earn interest is $500.00)
  • $500.00 minimum opening balance
  • Automatic Renewal
  • Terms from 3 to 18 months
  • 24-hour online access
  • Quarterly statements
  • Fixed rate for length of term

For Business Rates, click here.


*To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.

Meet Your Commercial Lending Team

Richard Kowal

Vice President,
Commercial Lending
(413) 333-5829


Kathi L. Donahue 

Senior Vice President,
Commercial Lending
(413) 333-5830





Debra Leone 

AAP, Assistant Vice President,
Cash Management
(413) 206-5618

Messages sent to the above email addresses are not encrypted or otherwise secured

Member Education and Awareness Training for Online Business Banking Members

Information technology and high-speed Internet are great enablers of small business success, but with the benefits comes the need to guard against growing cyber threats. As larger companies take steps to secure their systems, less secure small businesses are easier targets for cyber criminals. In October 2012, the FCC re-launched Small Biz Cyber Planner 2.0, an online resource to help small businesses create customized cybersecurity plans. Use this tool to create and save a custom cyber security plan for your company, choosing from a menu of expert advice to address your specific business needs and concerns. The FCC also released an updated Cybersecurity Tip Sheet.