If all you want are the basics, then Standard checking account may just be the right solution for you.

Open Online

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Open in a Branch

Find a time that fits your schedule, ask questions and apply in person.

Key Features
Get cash rewards

With PNC Purchase Payback, earn cash rewards for purchases you already make.[1]


Free transactions at approximately 9,000 PNC ATMs.[2]

Online and Mobile Banking

Manage your account with free Online[3] and Mobile Banking.[4]

Features and Benefits

  • Free transactions at approximately 9,000 PNC ATMs[2]
  • Some fees for using non-PNC ATMs are reimbursed[5]
  • Free Overdraft Protection setup and transfers
  • Earn higher relationship rates on your Standard Savings account.[6]
  • Unlimited check writing
  • Earn cash with PNC Purchase Payback® [1]
  • Free Online Banking and Bill Pay[3]

View Account Summary for more details


No monthly service charge if you meet any ONE of the following requirements:

  • $500 or more in total qualifying direct deposits[5] per statement period
  • OR, $500 average monthly balance in Standard Checking
  • OR, Account owner is age 62 or older

Otherwise, the monthly service charge for Standard Checking is $7.

View Consumer Schedule of Service Charges and Fees

How to Apply

We Also Recommend

Auto Savings

With Auto Savings, transfers will occur from your checking to your savings account - automatically, eliminating much of the discipline of saving money.

Learn More »

Direct Deposit

With Direct Deposit, have your paycheck or any regularly scheduled payment deposited electronically into your checking, savings or money market account.

Learn More »

Overdraft Solutions

PNC offers 2 ways to help with potential overdrafts - Overdraft Protection and Overdraft Coverage.

Learn More »

Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.

  6. 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:

    • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your linked Visa Credit Card.
    • Have $500 in qualifying direct deposits in a linked Standard Checking during the previous calendar month.
    • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or a Performance Checking during the previous calendar month.
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or a Performance Select Checking during the previous calendar month.

    (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, including 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.

  7. 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.

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