Earn $200 or $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^® including Low Cash Mode^®[1]

$200
$400

Virtual Wallet with Performance Spend

With Spend, Reserve & Growth, you get:

$0 minimum deposit to open online.
As a PNC customer, you can access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator.^[2]
First 2 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions.
Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees.
Two layers of overdraft protection
Digital tools to track your spending and automate your savings goals, including Low Cash Mode^®

Earn $200

when you establish total qualifying direct deposit(s) of $2,000 or more to the Spend account^[1]

Checking and Savings. Together

Apply Now

Check Rates

Virtual Wallet Fine Print

Virtual Wallet with Performance Spend Features & Fees

Or, select Spend (checking) only, you'll get:

$0 minimum deposit to open online.
As a PNC customer, you can access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator.^[2]
First 2 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions.
Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees.
Digital tools to track your spending, including Low Cash Mode^®

Checking Only

Apply Now

Virtual Wallet Fine Print

Virtual Wallet with Performance Spend Features & Fees

Virtual Wallet with Performance Select

With Spend, Reserve & Growth, you get:

$0 minimum deposit to open online
As a PNC customer, you can access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator^[2]
Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees
Two layers of overdraft protection
Digital tools to track your spending and automate your savings goals, including Low Cash Mode^®

Earn $400

when you establish total qualifying direct deposit(s) of $5,000 or more to the Spend account^[1]

Checking and Savings. Together

Apply Now

Check Rates

Virtual Wallet Fine Print

Virtual Wallet Features & Fees

Or, select Spend (checking) only, and you'll get:

$0 minimum deposit to open online
As a PNC customer, you can access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator^[2]
Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees
Digital tools to track your spending, including Low Cash Mode^®

Checking Only

Apply Now

Virtual Wallet Fine Print

Virtual Wallet with Performance Select Features & Fees

Featuring Low Cash Mode^® in the PNC Mobile App^[3]

Take control of your account when your balance is low.

Take control of your account when your balance is low. Low Cash Mode delivers real-time intelligent alerts that let you know when your balance is low, allows you to choose whether certain transactions^[4] should be paid or returned when your balance is negative, and gives you at least 24 hours to bring your account out of the negative so you can avoid overdraft fees.

Extra Time – you’ll have at least 24 hours to bring your available spend account^[5] balance to at least $0^[6] before you are charged overdraft fees.
Payment Control – you can choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions),^[5] when your balance is negative.
Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.^[7]

Learn More About Low Cash Mode

Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. For online or phone origination, the Zip code of your primary address will be used to determine product availability. For origination through a PNC location, product availability will be based on the physical PNC location. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select or a $200 reward if you open and use a new Virtual Wallet with Performance Spend. If you change your Virtual Wallet product type after account opening, the product type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and the corresponding reward amount, if applicable.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application link on pnc.com/myoffer or at a physical PNC location from 12/27/2023 through 04/30/2024, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account within 60–90 days after all conditions have been met and will be identified as “Credits Check Reward” on your monthly statement. A qualifying Direct Deposit for this offer is defined as a recurring Direct Deposit of a paycheck,pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, or Virtual Wallet with Performance Spend. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select or $2,000 for Virtual Wallet with Performance Spend. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another or deposits made at a physical PNC location or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate and other specialty titled accounts are excluded from this offer. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.
Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. 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.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees. See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

Earn $200 or $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^® including Low Cash Mode^®[1]

Virtual Wallet with Performance Spend

With Spend, Reserve & Growth, you get:

Checking and Savings. Together

Or, select Spend (checking) only, you'll get:

Checking Only

Virtual Wallet with Performance Select

With Spend, Reserve & Growth, you get:

Checking and Savings. Together

Or, select Spend (checking) only, and you'll get:

Checking Only

Featuring Low Cash Mode^® in the PNC Mobile App^[3]

Take control of your account when your balance is low.

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking or select another service

Earn $200 or $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet® including Low Cash Mode®[1]

Virtual Wallet with Performance Spend

With Spend, Reserve & Growth, you get:

Checking and Savings. Together

Or, select Spend (checking) only, you'll get:

Checking Only

Virtual Wallet with Performance Select

With Spend, Reserve & Growth, you get:

Checking and Savings. Together

Or, select Spend (checking) only, and you'll get:

Checking Only

Featuring Low Cash Mode® in the PNC Mobile App[3]

Take control of your account when your balance is low.

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^® including Low Cash Mode^®[1]

Featuring Low Cash Mode^® in the PNC Mobile App^[3]