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If all you want are the basics, then Standard checking account may just be the right solution for you.
No monthly service charge if you meet any ONE of the following requirements:
Otherwise, the monthly service charge for Standard Checking is $7.
Simply visit your Rewards Center in Online Banking and activate the offers you want; then shop or dine using your PNC Bank Visa Debit Card and follow the instructions on the offer. The cash you earn is then deposited into the account you choose. The more you use your card for purchases, the more offers you'll see.
Learn more about PNC Purchase Payback »
Get a higher relationship rate on your Standard Savings account when you set up a qualifying monthly direct deposit of at least $500 to a Standard Checking account OR make at least 5 qualifying purchases in a month with your PNC Debit Card or a linked PNC Visa® Credit Card.
Learn more about Standard Savings account »
Direct Deposit - Sign up to have your payroll, pension, Social Security, or any regularly received income deposited directly to your account. Learn More »
Overdraft Protection - Safeguard your checking account by linking it to a Protecting Account - another PNC checking, savings, money market, credit card or line of credit. When there are insufficient funds in your account to pay for an item, funds can automatically transfer from the Protecting Account to cover your payments. Learn More »
PNC Bank Visa Debit Card - The PNC Visa Debit Card is the easiest way to pay, right from your checking account. Safer than cash, faster than writing checks, and every purchase can be tracked online or on your monthly statement. Learn More »
Auto Savings - Make automatic transfers from your PNC checking to your PNC savings or money market account. You choose the amount you want to transfer and how often. Learn More »
Automatic Check Reorder - Automatic Check Reorder is a free service available to PNC personal checking and money market account customers who order their checks through one of PNC's primary check vendors. Learn More »
Checking Imaging - With online check image access through PNC Online Banking, you can click to view, print or download the information you want. Learn More »
Online and Mobile Banking - Simplify the way you manage your finances with PNC Online Banking. Check your balances & recent transactions, pay your bills, move money between your accounts, & even send money to your friends and family whenever you like. Learn More »
PNC Voice Banking - Get immediate access to a variety of PNC Bank account related information right over the phone. It's free, easy, and secure. There's no waiting for a consultant with our automated response system, and it is available anytime - nights, weekends, and even holidays. Learn More »
In addition to basic name and address information, you’ll need:
Note – if applying for a joint account, you’ll need the address, Social Security number and government ID information for the joint applicant as well.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.
When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
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.
For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.
In order to qualify for the Relationship Rate for Standard Savings, you must have a linked Standard Checking, Performance Checking, Virtual Wallet with Performance Spend, Performance Select Checking or Virtual Wallet with Performance Select and meet any one of the following requirements:
(A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature PIN, or a purchase made electronically or online using your debit card number, inlcuding recurring payments.)
Starting with the calendar month following when you open your Standard Savings account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.
If you or we make changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Standard Savings account), you may no longer qualify for a Relationship Rate.
A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.