A little research. A worthwhile reward.Our editorial approach ↗
My bonuses ↗
THE STATEMENT-CYCLE BALANCE TOOL

Calculate an average ledger balance for a bank bonus.

Calculate a statement-cycle average from each period’s end-of-day master-account ledger balance. See why a late deposit, beneficiary balance, or fee waiver may not satisfy a PNC business bonus.

Reviewed September 15, 2026. The calculator shows arithmetic from the balances you enter; PNC determines the official promotional average. Read the dated PNC Treasury offer →

Calculate one statement cycle.

Use the actual dates and day count on your issuer statement. Enter only the eligible master account’s end-of-day ledger balance. Each row represents consecutive days with the same balance.

Sample: 15 days at $0 and 15 days at $30,000 make a $15,000 cycle average, below a $30,000 target. Calculate to check your own periods.

What does average ledger balance mean?

Add the eligible account’s end-of-day ledger balance for each day in one issuer statement cycle, then divide by the number of days in that cycle. For stretches when the balance is unchanged, multiply that balance by the number of days in the stretch before adding the stretches. This tool calculates Σ(days × balance) ÷ total cycle days. Use the bank’s posted ledger figures; a pending transfer or available-balance screen may differ from the end-of-day ledger record.

In PNC’s $1,000 Treasury Enterprise Plan promotion reviewed September 15, 2026, the official page requires at least $30,000 average ledger balance in the eligible master checking account in each of the first three statement cycles. Money in linked beneficiary accounts does not satisfy that promotional balance test. The page does not give the start and end dates of your particular cycles; ask PNC and verify each statement.

Three mistakes that can change your result.

  1. Counting a late deposit as a full-cycle balance. If the master account has $0 for 15 days and $30,000 for 15 days, its 30-day average is $15,000. A $30,000 ending balance alone does not prove a $30,000 average.
  2. Using the fee-waiver test for the bonus. PNC’s Treasury Plan monthly maintenance-fee waiver uses a $30,000 average combined monthly collected balance across plan checking accounts, including beneficiaries. That differs from the promotion’s master-only average ledger balance in each statement cycle. The PNC product page also says the monthly maintenance fee is waived for the first three statement cycles. A waived fee does not establish bonus eligibility.
  3. Guessing three calendar months. The promotion says the first three statement cycles. Obtain the issuer’s actual cycle dates and count every included day. Repeat this calculation separately for each cycle.

How to use this before applying.

First, check that your business can keep the master-account cash without squeezing payroll, tax or supplier payments. Second, confirm the promotion is attached, your signer and business eligibility, the actual first three cycle dates, and the expected payout timing with PNC. Third, save the official terms and statements privately. This calculator cannot verify whether a posted item counts, whether PNC uses the exact daily balances you entered, or whether you qualify for the reward.

Read PNC Treasury steps and open questions ↗Compare a bonus with fees and forgone interest ↗Read the business bonus starter guide ↗

Official sources.

PNC business checking promotion and footnotes ↗ · PNC Treasury product and introductory fee waiver ↗ · PNC business checking fee schedule (PDF) ↗. This is an independent arithmetic aid; confirm the bank’s calculation and current terms before relying on it.