pnc open account online

PNC is growing! As we welcome BBVA USA customers, our Customer Care Center is experiencing higher than normal call volumes. 2 number of fees reimbursed when using non-PNC Bank ATMs. ATM Surcharge Fee Reimbursement $25.00 if Spend account is closed within 180 days of opening. PNC Bank ( provides exclusive banking services on Loyola costs associated with these accounts within 60 days of the new award year.

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What Is PNC Virtual Wallet?

If you're looking into opening a checking or savings account at PNC Bank, you'll find that the Virtual Wallet product appears as the most popular choice for both general consumers and students. Rather than providing you with just one account, this product comes in different versions where you can get a checking account only or both checking and savings accounts. Virtual Wallet also features tools that can help you set and work toward certain financial goals. Read on to learn more about how PNC Virtual Wallet works, which package options are available and the features, pros and cons involved with this financial product.

How PNC Virtual Wallet Works

You can think of the PNC Virtual Wallet product as an account package that comes with special tools through the bank's website and app to help you keep track of all your bills, make budgets, receive account alerts when you've reached certain goals and quickly know when your bank account is running low so that you can avoid overdrafts. Although it has "virtual" in the name, your bank accounts are still regular ones where you can deposit and withdraw money at ATMs and bank branches. This differs from an online-only bank account you'd find through places like Ally Bank.

PNC mentions that the fully-featured packages for Virtual Wallet have tools to help you spend, reserve and grow your money. This involves a primary checking account for daily spending, a secondary checking account as reserve funds and overdraft protection and a long-term savings account pnc open account online growing your money. However, most Virtual Wallet products offered will give you the option to only get a primary checking account to keep things simple. Even with this option, though, you'd still get the online planning, budgeting and tracking tools.

With the full Virtual Wallet packages, customers would usually have their upcoming bills and deposits added to an online calendar, put money aside in the reserve account for emergencies and upcoming purchases and set up automated transfers both for bills and savings. PNC offers account alerts that keep you informed of your progress toward savings goals and your success budgeting. You also get other important alerts so that you can take action before you miss an upcoming bill or risk overdrawing your account.

Main PNC Virtual Wallet Features

Although there are several Virtual Wallet options to choose from, most of them share some common features when it comes to digital banking and conveniences. These include:

  • Account linking​: Alongside the checking and/or savings accounts included with Virtual Wallet, you can link other PNC Bank products like your PNC credit card, debit card, investment account or existing checking/savings account to easily manage all accounts in one place.
  • Special interest rates as a reward​: When you opt for certain Virtual Wallet products, you can get access to a higher interest rate as you save more money and perform specific account actions. For example, you might get a higher rate for using direct deposit or using your PNC card at least five times during the month. This higher rate usually applies to a specific portion of your savings, so you'll need to check your account terms.
  • Calendar​: This is a key money management feature for Virtual Wallet and consists of an actual calendar that shows past, present and future transactions so you can see when money is coming in and going out of your PNC accounts. It uses this color-coding system for easy identification: green transactions refer to deposits, orange transactions refer to account withdrawals, blue transactions refer to reserve items, gray transactions refer to uncashed checks and red dates refer to "danger days" where you risk overdrawing your account.
  • Money Bar​: Rather than simply showing your account balances in numbers, PNC Virtual Wallet uses a color-coded bar with details about scheduled withdrawals, your free funds and your reserve balance. This Money Bar also lets you adjust your reserve funds easily.
  • Spending Zone​: This tool gives a ​12-month​ overview pnc open account online your PNC Bank account transactions and totals them by category so you can see where your money goes and where you may cut expenses. You can also search past transactions and further filter them by category.
  • ATM features​: Along with being able to use any PNC ATM without a fee, your Virtual Wallet often comes with two to four reimbursements per statement for fees related to other ATMs, and one product level doesn't charge pnc open account online ATM transaction fees and waives some surcharges too.
  • Overdraft protection​: While the Virtual Wallet products with only one checking account don't come with this benefit, the others feature overdraft protection both through the secondary checking account and the savings account.
  • Budgeting tools​: Not only does Virtual Wallet let you budget your money for specific categories, but it also issues warnings when you're about to exceed your budget. You'll see graphical indicators too such as a yellow spending bar when you're close to reaching your budget for a category. You'll also see a progress bar for your overall budget.
  • Savings tools​: PNC Bank recommends that you set up scheduled transfers to your savings account in Virtual Wallet and also prompts you to move more funds to savings as you pay your bills. You can also arrange to have part of your paycheck put in the reserve or growth account and closely monitor your savings growth using a graph
  • Minimum deposit and fee waiver​: As long as you open your Virtual Wallet online, you don't have to worry about a minimum deposit for checking or savings accounts. Two versions have no monthly fee, but you could waive the monthly fees for other versions by being ​at least 62,​ having a certain balance in your accounts or getting significant direct deposits regularly.
  • Account alerts​: Along with alerts about budgeting and savings goals and issues, you'll get alerted about large transactions or those that seem suspicious.

Virtual Wallet Product Options

In many locations, PNC Bank has a student version alongside three tiers for regular consumers. However, other places such as the West Coast only offer the student version alongside a product named Virtual Wallet Checking Pro. These all differ in terms of fees and some benefits, so take a look at them below to learn more:

  • Virtual Wallet Student​: Designed for active college students at approved institutions, this comes with the spend, reserve and growth accounts and waives the monthly fee for ​six years.​ PNC Bank forgives you for one overdraft or returned check and waives the fee for a wire transfer once each statement. Along with two ATM transaction fee reimbursements per statement, you get ​$5​ in ATM surcharge fees reimbursed.
  • Virtual Wallet Basic​: This is the basic option for general customers in many locations and comes with a ​$7​ monthly service fee that can be waived along with a ​$25​ minimum deposit for your primary checking account if you don't open the account online. It comes with the same ATM benefits as the student version but is also available with just the primary checking account. As of publication, PNC Bank gives new account holders a ​$50​ reward if they have ​$500​ directly deposited into the spending account.
  • Virtual Wallet With Performance Spend​: Designed for bigger spenders who hold more money in their primary checking account, this mid-tier Virtual Wallet comes with a ​$15​ per month service charge with potential waivers as well as a ​$25​ minimum deposit for primary checking unless you open online. You get interest on all three accounts alongside ​four​ ATM fee reimbursements and ​$10​ reimbursed for ATM surcharges per statement along with free domestic wire transfers. You can opt for only a spending account with this option. As of publication, a ​$200​ reward is available for new account holders who get at least ​$2,000​ directly deposited.
  • Virtual Wallet With Performance Select​: Featuring no ATM transaction fees along with ​$20​ in surcharges reimbursed each statement, this high-tier Virtual Wallet option comes with a ​$25​ per month fee (waived under certain conditions) alongside a ​$25​ minimum deposit for primary checking for people who don't open the account online. You earn interest on all checking and savings products, and you can make and receive free domestic wire transfers. You can opt to just get the spending account if you'd like. This version currently comes with a ​$400​ reward if you get ​$5,000​ directly deposited as a new account holder.
  • Virtual Wallet Checking Pro​: Offered in places like California and Washington in lieu of the three tiers shown above for general consumers, this version has no monthly service charge or minimum deposit but doesn't bear interest for the reserve or spend accounts. Each statement comes with a ​$20​ reimbursement for ATM surcharges. Further, you can get a top interest rate of ​0.65​ percent as well as a ​$200​ reward for opening your Virtual Wallet account and having at least ​$2,000​ in direct deposits. You can opt just for a checking account with this version too.

PNC Virtual Wallet Benefits

Convenience is the main appeal of the PNC Virtual Wallet since you can easily get checking and savings accounts packaged with one application and less hassle. The online and mobile money management tools appeal to those who want to track their money and transfer funds without needing to rely on third-party apps or websites. The overdraft protection available with the secondary checking account and savings account offers some peace of mind along with warnings that can help you avoid declined transactions and overdraft fees.

PNC also makes this product accessible to customers with different versions that can fit their needs. You can open your account online and avoid needing to worry about an opening deposit at all, and your account terms offer multiple ways to avoid the monthly service fee, which you can have waived for ​six years​ as long as you're a student. The ATM fee reimbursements included with all Virtual Wallet products along with the free wire transfers for certain products can make banking more affordable to more people.

PNC Virtual Wallet Disadvantages

Despite the benefits, some customers may feel frustrated with the account fees and the inability to open just a savings account with the Virtual Wallet product options available. Unless your account waives it, the monthly service fee can range from ​$7 to $25​ where there are other banks that have fee-free checking and savings accounts that appeal to frugal customers. Plus, there are ATM fees that you might incur beyond the monthly waivers and allowances. While you can opt just for a Virtual Wallet checking account, you'd need to look into other PNC products simply for savings and miss out on some of the Virtual Wallet benefits in the process.

My BankTracker also mentions that the interest rates you get for most Virtual Wallet options are typically less than what you can find at other places, particularly online-only banks. Exact interest rates can depend on market conditions and location along with account type. For example, PNC Bank reports a top growth account interest rate of ​0.10​ percent in Chicago, and student accounts only get a top rate of ​0.03​ percent in interest. In that case, you can find much higher rates of ​0.60 percent​ or higher through alternatives like Citibank and Ally Bank.

Applying for PNC Virtual Wallet

The easiest way to open a PNC Virtual Wallet account is to do it on the PNC website where you can compare the different products available. You'll find an "Apply Online" or "Apply Now" button on the Virtual Wallet Student, Virtual Wallet Checking Pro and general Virtual Wallet pages that will take you to the online application. You can expect to provide personal and financial details and go through an identity check, but having an existing PNC online account and logging in can speed things up. You can usually begin managing the accounts and transferring money immediately after approval.

You also have the option to bring identification and apply for your Virtual Wallet at a local PNC Bank branch. You may find an "Email Me a Coupon" button when browsing the Pnc open account online Wallet options, and you can show this to the bank representative so that you can take advantage of the current special offers.


Writer Bio

Ashley Donohoe has written about business and technology topics since 2010. Having a Master of Business Administration degree, bookkeeping certification and experience running a small business and doing tax returns, she is knowledgeable about the tax issues individuals and businesses face. Other places featuring her business writing include Zacks, JobHero, LoveToKnow, Bizfluent, Chron and


How To Open a PNC Bank Account

Banking / Banks

Ken Wolter /

If your bed is feeling the strain from all that cash stuffed discreetly between its box spring and mattress, or your wallet is bursting at the chase bank zelle contact, maybe it’s time to open a bank account. It’s easier than you think. The same is true if you are starting a small business. PNC Bank has a wide range of services for small business owners.

Cash may be great for buying a pizza or getting groceries, but when you need to pay bills or make a big purchase, you need a checking account, a savings account or both. Having a bank account is a safe and secure way to track spending and manage your finances.

Regardless of the type of account that best meets your financial goals, you’ll need to know the steps to get started if you’re interested in opening an account with PNC Bank. This guide to opening a PNC Bank account will cover the following topics:

Steps To Open a PNC Bank Account

There are many reasons why people choose to open a bank account. Here are some of the most important reasons:

  • Security: Carrying large amounts of cash around is risky, and having all your money in one location where you can access it anytime is much safer.
  • A bank account is convenient for keeping track of spending and budgeting your finances.
  • You can store money for a rainy day and watch your savings grow for retirement.

PNC Bank offers a range of options to choose from, including traditional checking and savings accounts. You can also choose to manage your money online with a Virtual Wallet account.

Here’s what you need to do to open a PNC Bank account.

1. Gather Your Personal Information

All financial institutions are required by federal law to obtain, verify and record information that identifies you. When you open a bank account with PNC Bank, you will be asked for your personal information, including:

  • Your name
  • Legal physical address
  • Date of birth
  • Social Security number or Taxpayer Identification Number
  • Any other information that will allow PNC Bank to verify that you are who you say you are

You may also be asked for some identifying documents such as your driver’s license or other picture ID. 

2. Decide What Kind of Bank Account You Want To Open

If you’re opening a bank account for the first time, you might consider opening a checking account, a savings account or both. Pnc open account online accounts are generally used for day-to-day purchases, whereas savings accounts earn interest and help you put money aside for when you need it. PNC Bank has a number of Virtual Wallet account options, which combine both checking and savings features.

Here’s an overview of the checking and savings account options that PNC offers.

Traditional Checking and Savings Accounts

  • Performance Select Checking: This account gives customers access to PNC Bank’s highest level of benefits and rewards, along with free ATM transactions. 
  • Performance Checking:Customers can earn interest on balances of $2,000 or more. Plus, there are no charges at PNC Bank ATMs, and customers can take advantage of unlimited check writing. 
  • Standard Checking:Customers who only want a basic checking account may find this PNC account to be their best option. It comes with free PNC ATM transactions and cash rewards.
  • PNC High Yield Savings: With an online savings account, you can earn a high2.00% annual percentage yield. And you can open your account with any amount.
  • Standard Savings: This account lets customers earn interest with a minimum balance of just $1.

Virtual Wallet Accounts

PNC Bank’s Virtual Wallet helps you manage your money online. You can pay your bills, track your spending, set savings goals and more with its online tools. Virtual Wallet is both checking and savings, made up of three accounts: 

  • Spend: Your primary, noninterest-bearing checking account
  • Reserve:Interest-bearing checking account for short-term savings
  • Growth: Savings account that earns interest for long-term savings

Virtual Wallet offers the following benefits:

  • Send money with Zelle
  • Mobile check deposit
  • Free transactions at roughly 9,000 PNC Bank ATMs; certain PNC fees for out-of-network ATM transactions are reimbursed

Customers can earn a 2.15% APY, and those who are eligible can earn an even higher relationship rate. Eligible customers can also earn cash with PNC Purchase Payback, a customized rewards program based on your spending habits. It provides offers at your favorite retailers or suggests similar businesses that you may like.

Several versions of Virtual Wallet are available to choose from. Here’s a look at some of the features of each version:

Virtual Wallet With Performance Select

  • Unlimited check writing
  • Overdraft protection
  • Earn cash with PNC Purchase Payback
  • Discount on check orders
  • No charge for cashier’s checks and stop payments
  • Free identity theft insurance
  • $100 discount on annual rental fee for safe deposit box 
  • Free domestic wire transfers

Virtual Wallet With Performance Spend

  • Unlimited check writing
  • Overdraft protection
  • Earn cash with PNC Purchase Payback
  • Free identity theft insurance
  • $10 discount on annual rental fee for safe deposit box

Virtual Wallet

  • Unlimited check writing
  • Overdraft protection
  • Earn cash with PNC Purchase Payback 

Virtual Wallet Student

  • PNC Bank Visa Debit Card
  • Unlimited check writing on your Spend account
  • Overdraft protection and coverage options
  • One free domestic or international incoming wire transfer per statement period

3. Fill Out the Online Application or Apply in Person

You could visit a PNC Bank branch in person to open your first checking or savings account, but filling out the application online is easy and will save you time. 

The first thing you’ll need to do is answer whether you are a U.S. citizen or not. You’ll also supply your personal details, including:

  • Your name
  • Address
  • Contact information, including phone number and email address
  • Employment information

You will be asked to make your first deposit, and if your account is approved, you’re ready to bank.

If you choose instead to visit one of about 2,400 locations across 21 states and Washington, D.C., bank personnel will be happy to help you open your account. If you have questions, you can call 1-888-PNC-BANK (1-888-762-2265) for assistance.

PNC Bank Checking Account Fees and Features

The chart below includes the most common fees associated with PNC Bank’s traditional checking accounts. Other fees may apply.

PNC Bank Checking Accounts at a Glance

Fees and FeaturesPerformance Select CheckingPerformance CheckingStandard Checking
Monthly service charge$25; eligible customers can waive fee$15$7
Minimum deposit to open account$25$25$25
ATM fees$0 at all PNC locations and non-PNC Bank ATMs$0 at all PNC ATMs; $3 to $5 at all other ATMs$0 at all PNC ATMs; $3 to $5 at all other ATMs
Overdraft fee$36$36$36
Early closure fee$25$25$25

PNC Bank Savings Account Fees and Features

In addition to the standard fees that PNC’s savings accounts have, other fees such as ATM and overdraft charges may apply. Here are some of the fees and features of PNC Bank’s savings accounts:

PNC Bank Savings Accounts at a Glance

Fees and FeaturesPNC High Yield SavingsStandard Savings
Minimum deposit to open account$0$25
Monthly service charge$0$5; eligible customers can waive fee
ATM fees$0 at all PNC ATMs; $3 to $5 at all other ATMs$0 at all PNC ATMs; $3 to $5 at all other ATMs
Overdraft fee$36$36
Standard APY2.00%0.01%

Virtual Wallet Fees

Among other fees, monthly service charges are associated with certain Virtual Wallet accounts. However, for each Virtual Wallet option that comes with a monthly service charge, customers can meet one of the requirements listed below to avoid the monthly fee: 

Monthly Service Fees for Virtual Wallet Accounts
AccountMonthly Service ChargeWays To Avoid the Monthly Fee
Virtual Wallet with Performance Select$25
  • $5,000 www optumhealth com login average monthly balance in your Spend account, Reserve account and/or up to six linked PNC consumer checking accounts
  • $5,000 or more in total qualifying monthly direct deposits to your Spend account
  • $25,000 combined average monthly balance in PNC consumer deposit and/or investment accounts

Virtual Wallet with Performance Spend

  • $2,000 average monthly balance in your Spend and/or Reserve accounts
  • $2,000 or greater in total qualifying direct deposits to your Spend account per statement period
  • $10,000 combined average monthly balance in PNC consumer deposit accounts

Virtual Wallet

  • $500 average monthly balance in your Spend and/or Reserve accounts
  • $500 or more in qualifying monthly direct deposits
  • No monthly service charge if account holder is at least 62 years old

Virtual Wallet Student

No monthly service charge for the first six years
  • You may have to prove you are enrolled in a qualifying educational institution

How To Avoid Unwanted Fees

When it comes to fees, some are transparent on a bank’s website or in printed materials, while others are hidden in the small print. PNC Bank’s fees are prominent on its website. Here are a couple of types of fees to look out for.

ATM Fees

Some PNC checking accounts charge a fee if you use an ATM that is not associated with PNC Bank. The charge can range from $3 to $5 depending on the country in which the ATM is located. The best way to avoid this fee is to use a PNC Bank ATM for all your needs. 

Overdraft Fees

PNC charges a $36 per item overdraft fee. The best way to avoid being changed is to monitor your account and keep track of your balance, outstanding checks and scheduled bill payments. By automatically scheduling recurring monthly payments using PNC’s online bill pay, you can avoid having bills hit on the same day of the month. 

Benefits of Having a PNC Bank Account

PNC Bank offers a range of convenient online banking services. Here are just a few of the benefits you can expect:

  • Get notified of activity on your PNC Bank accounts via email or text message alerts
  • Set up security alerts to notify you of any possible fraudulent transactions
  • Easily transfer funds between your accounts from your mobile device or computer
  • Ability to schedule payments up to one year in advance
  • Receive email reminders about payment deadlines

Monitoring and Protecting Your PNC Bank Account

There are several things you can do to protect your bank accounts against fraud and identity theft: 

  • If you receive a call about your accounts but you’re not certain it’s really from your bank, do not give out personal information such as your Social Security number or PIN number over the phone. 
  • Sign up for identity theft protection.
  • If you normally get paper statements in the mail, notify the bank immediately if you don’t receive a statement on time.
  • Review all of your bank statements for each of your accounts.
  • Check your credit reports at least annually.
  • Exercise caution when using Wi-Fi in a public place.
  • Keep your passwords, PIN numbers and other personal information secure.

If you’re ever concerned that you may have disclosed confidential information or received a fraudulent email, or if you just have questions about online security, you can contact PNC Bank customer service at 1-888-PNC-BANK (1-888-762-2265). Customer service representatives are available from 7 a.m. to 10 p.m. Eastern time Monday through Friday and from 8 a.m. to 5 p.m. Eastern time Saturday and Sunday.

Is PNC Bank Right for You?

PNC Bank offers customers a wide range of products, including Virtual Wallet, which comes with online account management tools that are more extensive than comparable services at other banks.  

You won’t see the highest interest rates on deposit accounts at PNC Bank, but you will see low monthly fees that can be waived by meeting certain requirements. PNC also charges lower monthly checking account fees and requires lower minimum balances to waive the fees. And students won’t be charged monthly service fees on their Virtual Wallet accounts if they are enrolled at a qualifying institution. 

Rates are subject to change; other information on accounts is accurate as of Oct. 17, 2019.

About the Author

Kathryn Pomroy is a professional writer with expertise in personal and business finance. Kathryn holds a BA in Journalism and has written for major publications, small and medium size business clients and several business journals. Kathryn has more than 15 years of experience, is adept with SEO best practices, AP and other style guides, and has hands-on experience with various content management systems. 




Check balances & recent transactions – See current account activity for your checking, savings, credit card and loan accounts.

Protect your accounts – Set up Touch ID or Face ID to securely sign on to the app. Or, reset your password quickly and conveniently if you need to.

Send money with Zelle® – Send money simply, to people you know and trust (i) using your
mobile number or email address.

Transfer funds – Transfer funds between eligible PNC accounts and external bank accounts (ii).

Make deposits – Deposit checks quickly and easily with your iOS device (iii).

Pay bills – Add your bills and make one-time or recurring bill payments right from the app.

Manage your cards – View and manage your PNC credit, debit and SmartAccess® cards and make in-store payments with Apple Pay right from the app.

Lock your cards – Easily lock or unlock your PNC debit card or credit card if you misplace it.

Locate PNC – Locate the nearest PNC ATM or branch using our location services, or search by zip code and street address.

If you have Virtual Wallet®, you’ll have access to more tools and insights to help you work toward your financial goals.

See what’s free to spend – Your Scheduled Out subtracts known bills and expenses from your available checking account balance to show you what’s free to spend, which we call your Free Balance. You’ll also see potential Danger DaysSM, which is when your account is at risk of being overdrawn.

Visualize your money – Use Money Bar® to see how much is available to spend with your Free Balance, what you’ve scheduled for bills and how much you’ve set aside for goals.

Know your activity – Use the Calendar to see upcoming paydays and payments, and view a history of your transactions. You can pay bills, schedule bill reminders, track external payments, view potential Danger Days and more.

Track your spending & set budgets – See where you're spending your money with categories like restaurants, gas and more. Then, create budgets to know if you’re staying on track.

Make saving easier – Create savings goals to work toward your goals and keep track of your progress along the way. Set up automatic rules to regularly transfer money to your savings, like once a week or when you receive a paycheck. Make saving fun using your personalized piggy bank to transfer money to your savings.

With PNC’s Security and Privacy, you can be confident that your personal and financial information austin food bank be protected while using our app.

(i) Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offer a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users.

If the recipient has not enrolled, the payment will expire after 14 calendar days.
(ii) There are limits to the number of transactions you can make from a savings or money market account per month.
(iii) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement. Virtual Wallet, PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. ©2020 The PNC Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Version 4.24

Thank you for using PNC Mobile. This update includes enhancements to Bill Pay and Zelle.

Ratings and Reviews

4.8 out of 5

1.1M Ratings

So sad

The PNC banking part is great a little slow yet saves me time from running back & forth to the bank on one hand now on another note, ever since they linked my Zelle account to my PNC my Zelle receiving and sending has been giving me major issues which results in me having to once again go back & forth to the bank with an edition to the Post Office got money orders, stamps, & envelopes so now I’m spending more in gas, as well as getting the money to it’s destination. I call for a representative one even told me call Zelle it’s not in their end that the message I received says failed to send so I call then Zelle ask me why they directed me to cAll them being they have control over the account since it’s linked to the PNC, nevertheless the funds I sent is taken out my PNC and won’t return until I believe it said 3 business days. Another PNC rep said delete the app then try to download it again hmmm ok nope that didn’t work neither. So bottom line I’m Very disappointed in their Zelle merge. I can’t even delete it and make a new account. Thanks for nothing on that merge. Otherwise the PNC itself I do like

Took a step back with last update.

I could give 5 stars for convenience and general reliability. But the last update, while making the app more snazzy, also made it less convenient. Cool new graphics and slick transitions were added. Looks cool guys. But takes longer to load each page. I don’t need to be entertained by my banking app - just need to make an online deposit or pay a bill. Here’s an example of inconvenient: making a mobile deposit. Lots of sliding around of graphics with every selection I make. I finally get the deposit made and then there’s the confirmation screen. The top 1/3 of the screen contains a blue bar with a giant “+” sign in it. Below that is the deposit information. Where’s the confirm button? Took me a while to figure out I have to scroll down to see it. Maybe a little smaller graphic on top would allow me to see the whole thing on one screen. And maybe instead of all the flashy graphics after every selection (deposit, account, amount.) all that could be on one screen and then the flashy stuff could come after, and just once. Bill pay is much the same. Looks cool but is a waste of time.

Functionally, convenience-wise, reliability-wise — I love having the app and it serves me well. I could just do without all the fru-fru.

Only bank with a good and consistent digital interface

In general, I am very happy that there have been minimal changes to the website and digital interfaces in the 15 years I have been a NationalCity/PNC customer. The interface works well and I have rarely had to think hard about how to navigate menus to get the information I want. Recently, however, when I use this, I feel like I am back in the days of 56k modems where the images for advertisements would load after the rest of the webpage would load and you would accidentally click on something because all of the content would move and an advertisement image would appear right as you were about to click. I thought this practice was long gone from good user interface design, but evidently it is still here every time the COVID relief banner at the top of the app decides to load. Now, every 1 out of 2 times that I try to click on my checking account when I load the main page of the app, I accidentally open a webpage for COVID relief that I have to close. Very annoying. Please keep up the good work of having a consistent user interface design, but also please stop making it so content unexpectedly shifts around right as I am about to click when the main page loads.

The developer, PNC Bank, N.A., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More


PNC Bank, N.A.

217.3 MB


Requires iOS 13.0 or later.
Requires iPadOS 13.0 or later.
iPod touch
Requires iOS 13.0 or later.

English, Spanish

Age Rating

© 2021 PNC Bank, N.A.



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I grew up in on Long Island in New York and went to school in Pittsburgh for several years and would end up settling in Maryland. I’ve only ever lived in the Mid-Atlantic region, if Long Island counts, and for my adult life, PNC Bank has always had a location nearby.

When I went off to school in Pittsburgh, I opened a student checking account at a local PNC Bank.

One of my first bank accounts was at PNC Bank, opened at the branch on the corner of South Craig and 5th Avenue. I did it because they had ATMs in the University Center and I didn’t have a car. Petra solano clothes then, you had to do a lot in a branch. Nowadays, you can do most of it on a mobile app.

When I opened up my account, I think I got a t-shirt.

If you open up an account today, they’ll give you hundreds of dollars. 🙂

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Learn more about this offer

If this offer isn’t for you, remember that Wells Fargo has a nationwide $200 offer worth checking out.

This content is not provided by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser.

How to get up to $300 from PNC Bank

PNC Bank Logo

PNC Bank is offering big bonuses if you open a checking account that includes their Virtual Wallet Product. The offer you get will depend on whether you are inside or outside PNC Bank’s geographic footprint.

PNC Bank will give you up to a $300 cash bonus reward if you open up a new account.

There are three accounts that qualify:

  • Open a Virtual Wallet account and establish total qualifying direct deposits of $500+ and get $50.
  • Open a Virtual Wallet with Performance Spend account and establish total qualifying direct deposits of $2,000+ and get $200.
  • Open a Virtual Wallet with Performance Select account and establish total qualifying direct deposits of $5,000+ and get $300.

What’s nice is you can open this completely online, no need to visit a branch. If you do need to visit a branch, use this branch locator to find them.

This offer is available to residents of CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.

PNC Virtual Wallet Checking Pro – $200

If you don’t qualify for the above offer, and you live in AR, CT, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, TN, UT, VT, WA, or WY, then you should consider PNC Virtual Wallet Checking Pro and it’s welcome bonus of $200.

To earn this bonus, just open an account and then receive total qualifying direct deposit(s) of $2,000 or more to the american savings bank credit card Virtual Wallet Checking Pro.

The account has no minimum deposit to open and no monthly fees. If you open for the Virtual Wallet Checking Pro with Spend, Reserve & Growth then you also get a savings account that earns interest. The Virtual Wallet Checking Pro with Spend product is just a checking account.

How to Avoid Account Fees

There are account fees associated with each of the three accounts but they are easy to avoid. In fact, if you meet the bonus requirements and maintain that direct deposit, you avoid the monthly fee.

Otherwise, there are other ways to avoid them if you remove the deposit.

For the Virtual Wallet (no bonus), you can avoid the $7 monthly fee if you do one of the following:

  • $500+ in qualifying direct deposits each statement period,
  • $500 average monthly balance in Spend and Reserve accounts,
  • Be age 62 or older.

For the Virtual Wallet with Performance Spend, you can avoid the $15 monthly fee if you do one of the following:

  • $2,000+ in qualifying direct deposits each statement period,
  • $2,000 average monthly balance in Spend and Reserve accounts,
  • $10,000 combined average monthly balance in PNC consumer deposits.

For the Virtual Wallet with Performance Select, you can avoid the $25 monthly fee if you do one of the following:

  • $5,000+ in qualifying direct deposits each statement period,
  • $5,000 average monthly balance in Spend and Reserve accounts,
  • $25,000 combined average monthly balance in PNC consumer deposits.

Oh, to set up the direct deposit, you may need to lookup your PNC Bank routing number.

Is This A Good Bank Offer?

There are offers with high dollar amounts but they often have deposit minimums or higher direct deposit pnc open account online. This offer, of $200 to just open an account and receive a qualifying direct deposit (and make 10 purchases), is very easy to achieve.

Wells Fargo – $200

Wells Fargo has a nationwide promotion of $200 for a new checking account when you open a new checking account with at least $25 and receive a total of $1,000 or more in qualifying direct deposits into the new checking account within 90 days from account opening.

You can learn more about the Wells Fargo promotions to see how to get it.

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus when you open your first Discover Online Savings Account with the promotion code WH21 and deposit at least $15,000 into the account within 30 days. You get $150 if you deposit $15,000 or more and $200 if you deposit $25,000.

Chase Total Checking® – $225

Chase Bank will give you $225 when you open a Total Checking account and set up direct deposit within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!

HSBC Premier Checking – $450

HSBC has an offer where you can get $450 for eligible new customers who open an HSBC Premier checking account and make recurring monthly qualifying direct deposits of at least $5,000 for 3 consecutive months. Click here to learn more about this offer.

Huntington Bank – up to $500

If you are a resident of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin then you could get up to $500 from Huntington Bank for opening a new checking account. There pnc open account online several checking accounts that qualify but they’re great offers if you live in their geographic region. Click here to learn more about Huntington Bank offers.

So the PNC Bank promotion is a slightly lower bonus but has much easier bonus requirements to get the money.


PNC Bank

PNC Bank offers student and workplace banking, as well as financial literacy programs for students, faculty, and staff. Additional highlights of our partnership include:

Virtual Wallet Student® for Student Banking with PNC

Virtual Wallet Student gives students the resources to help keep track of their money both on and off campus. Take control with simple easy-to-use interactive tools. Check balances, make payments, and more – all online or through the Virtual Wallet® app.

For more information, visit

A PNC Bank e-Branch, located in the Leavey Center

This e-Branch is staffed by banking specialists to assist customers with completing transactions. It is equipped with technology to inform and educate customers on PNC products and services.

Seven on-campus PNC Bank ATMs

PNC ATMs are located on campus in Village C, Leo O’Donovan Dining Hall, and Healey Family Student Center. PNC ATMs are also located in the School of Continuing Studies and Law Center. Additional ATMs and branch locations can be found using PNC’s branch and ATM locator.

GOCards linked to PNC accounts

Linking the Georgetown GOCard to you PNC accounts adds ATM and purchasing functionality to the Georgetown One Cards.

Support to international students opening U.S. bank accounts

Students will have access to U.S. banking educational materials, translation services, and one free international wire transfer per month. More information can be found on PNC’s international student website.

Access to PNC My Finance Academy

PNC wants you to have the knowledge and confidence to manage your money. That’s why PNC created the PNC My Finance Academy. My Finance Academy provides information and real-world insights for everyday financial challenges. My Finance Academy can help you understand financial basics and make the most of your money.

With PNC WorkPlace Banking, you gain access to money-management tools that fit your schedule and lifestyle. The time-saving PNC WorkPlace Banking allow you to spend time on what you do best: motivating others. Learn more about PNC WorkPlace offers and program.

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Link your PNC bank account, complete account applications, manage finances, and find financial and educational information.

PNC Financial Agreement

PNC Virtual Wallet

PNC Virtual Wallet Fine Print

PNC Virtual Wallet Student Form

PNC Virtual Wallet Features and Fees

DOE Cash Management Rule 34 CFR 668.161-668.167

Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
© 2019 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC


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