New Customer Checking Offer

Earn up to a $400 bonus when you open and use a new checking account.^[1]

It Pays To Open a Checking Account With PNC Bank

Choose between PNC Simple Checking or Virtual Wallet^® that includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.

The Essentials

PNC Simple Checking

Hassle-free banking with fewer fees.

Apply Now

Ideal for those new to banking or who want simplicity

No overdraft fees
Access to the PNC Mobile app and Online Banking to help manage your daily banking needs^[2]
No monthly service charge with any qualifying direct deposit, or if you are under 25 or 62+^{[3, 4]}

Monthly service charge: $5 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

More Perks

Virtual Wallet

Earn $100 when you establish total qualifying direct deposits of $500 to the Spend account.^[1]

Apply for Checking & Savings

Apply for Checking Only

Perfect for those comfortable managing their money

Bundle with a savings and a reserve account for longer term planning
Additional budgeting tools to track spending and upcoming bills
Low Cash Mode^®to help you avoid overdraft fees^[5]

Monthly service charge: $7 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

Most Perks

Virtual Wallet with Performance Select

Earn $400 when you establish total qualifying direct deposits of $5,000 to the Spend account.^[1]

Apply for Checking & Savings

Apply for Checking Only

Great for those who want to optimize their financial growth

All of our Virtual Wallet features
Highest interest rates on your Growth savings account
The most fee reimbursements for non-PNC ATMs^[6]

Monthly service charge: $25 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

Additional product offerings may be available. Locate a branch.

It Pays To Open a Checking Account With PNC Bank

Choose between PNC Simple Checking or Virtual Wallet^® that includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.

The Essentials

PNC Simple Checking

Hassle-free banking with fewer fees.

Apply Now

Ideal for those new to banking or who want simplicity

No overdraft fees
Access to the PNC Mobile app and Online Banking to help manage your daily banking needs^[2]
No monthly service charge with any qualifying direct deposit, or if you are under 25 or 62+^{[3, 4]}

Monthly service charge: $5 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

More Perks

Virtual Wallet

Earn $100 when you establish total qualifying direct deposits of $500 to the Spend account.^[1]

Apply for Checking & Savings

Apply for Checking Only

Perfect for those comfortable managing their money

Bundle with a savings and a reserve account for longer term planning
Additional budgeting tools to track spending and upcoming bills
Low Cash Mode^®to help you avoid overdraft fees^[5]

Monthly service charge: $7 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

Most Perks

Virtual Wallet with Performance Select

Earn $400 when you establish total qualifying direct deposits of $5,000 to the Spend account.^[1]

Apply for Checking & Savings

Apply for Checking Only

Great for those who want to optimize their financial growth

All of our Virtual Wallet features
Highest interest rates on your Growth savings account
The most fee reimbursements for non-PNC ATMs^[6]

Monthly service charge: $25 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

Additional product offerings may be available. Locate a branch.

Earn Your Bonus

Open

Open a new checking account on this page or bring your coupon to a PNC Bank Branch to open by 1/5/2026.

Set Up Direct Deposit

Receive a qualifying direct deposit(s) in the first 60 days to the Spend account of your new Virtual Wallet.

_{*$500+ for Virtual Wallet

*$5,000+ for Virtual Wallet with Performance Select}

Receive Your Reward

Your cash reward will be deposited to your account 60-90 days after conditions have been met.

Get the Benefits of Boring Banking

Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[6]

Zelle^®[7], mobile check deposit and online bill pay all from your mobile app^[2]

Set up security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[6]

Zelle^®[7], mobile check deposit and online bill pay all from your mobile app^[2]

Set up security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

Frequently Asked Questions

A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular income electronically deposited by an employer or an outside agency into the Spend account.

Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.

You can expect to see the reward credited to your eligible account 60–90 days after all conditions have been met.

Yes, there may be fees. Please review the Virtual Wallet Features and Fees or PNC Simple Checking Features and Fees to learn about how you can avoid a Monthly Service Charge.

You can easily monitor important account activity with PNC Alerts^[9]. Personalize which alerts you want and how you’d like to receive them - via email, text message and/or push notification. You can also protect your misplaced debit card from unauthorized transactions with PNC Easy Lock.

You will need the following items to set up direct deposit:

Your PNC account & routing number (or a voided or cancelled check from your account)
Enrollment form – provided by your employer or you may use our form

Visit our PNC Direct Deposit resource page for more information.

This offer is for new checking customers only. Additional information can be found below.

Checking Account Insights

Spend

Benefits of a Checking Account

A checking account is a fundamental financial tool that many individuals utilize daily. Learn more about how an account can help you manage your money.

4 min read

Spend

The Complete Guide To Checking Accounts

Discover everything you need to know about checking accounts with this guide from PNC. Learn about opening, managing, and making the most of your account.

12 min read

Spend

What Do You Need to Open a Bank Account?

Ready to open a bank account? Learn about the necessary documents, eligibility rules, and helpful tips for a quick, hassle-free application process.

7 min read

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

BORING IS THE CATALYST FOR ALL
THE UN-BORING THINGS YOU DO IN LIFE.

Think about it. Boring is smart, steady, dependable. It's not wild or spontaneous. And neither are we. You see, for 160 years, we've been brilliantly boring with your money. The pragmatic, calculated kind of boring. So, you can be happily fulfilled with your life. Which is pretty un-boring, when you think about it.

✝You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received 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.

You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions. If you change your Virtual Wallet product after account opening, the product 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 corresponding reward amount, if applicable.

Offer is valid 12/9/2025 through 1/5/2026 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.

To receive the reward:

1) Open a new, eligible Virtual Wallet product online via the application links on this page. 2) Set up and receive a qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular income electronically deposited by an employer or an outside agency into the Spend account. 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 $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.

The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. 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.
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 Digital Services Agreement.
The 25-age waiver and/or 62-age waiver will only be applied if the date of birth for the primary or secondary owner(s) on the account meets the age requirement. The date of birth for a fiduciary (i.e. Rep Payee, Trustee) is not eligible for the waiver. If no date of birth is on file, waiver eligibility is based on the date of account opening.
Qualifying direct deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device, or through the mail do not qualify as qualifying direct deposits.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Visit PNC.com/locator to find a PNC or Partner ATM near you where PNC customers can access money fee-free. Partner ATMs are not owned by PNC and may be limited to cash withdrawal functionality.

Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.
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® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution 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. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use
PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.
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.

Check Rates

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

Brilliantly Boring since 1865 is a service mark of The PNC Financial Services Group, Inc.

Virtual Wallet 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.

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Borrowing

INVESTING & MANAGING WEALTH

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How Can We Help You

get a clear picture of where you are today and plan for the future you want

Welcome to PNC! How can we help you today?

Sign On to Online Banking or select another service

Earn up to a $400 bonus when you open and use a new checking account.[1]

It Pays To Open a Checking Account With PNC Bank

PNC Simple Checking

Virtual Wallet

Virtual Wallet with Performance Select

It Pays To Open a Checking Account With PNC Bank

PNC Simple Checking

Virtual Wallet

Virtual Wallet with Performance Select

Earn Your Bonus

Open

Set Up Direct Deposit

Receive Your Reward

Get the Benefits of Boring Banking

Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC.

2,000+ locations and approximately 60,000 PNC and Partner ATMs[6]

Zelle®[7], mobile check deposit and online bill pay all from your mobile app[2]

Set up security & fraud alerts, plus Easy Lock®[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs[6]

Zelle®[7], mobile check deposit and online bill pay all from your mobile app[2]

Set up security & fraud alerts, plus Easy Lock®[8] if your debit card is misplaced.

Frequently Asked Questions

What qualifies as a direct deposit for the cash bonus?​

How long does it take to receive the bonus after meeting the requirements?​

Are there any fees associated with the checking accounts, and how can I avoid them?​

What security features are included with the account?​

How do I set up direct deposit for my new account?

Who is eligible for the checking bonus offer?

Checking Account Insights

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

Earn up to a $400 bonus when you open and use a new checking account.^[1]

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[6]

Zelle^®[7], mobile check deposit and online bill pay all from your mobile app^[2]

Set up security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[6]

Zelle^®[7], mobile check deposit and online bill pay all from your mobile app^[2]

Set up security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

BORING IS THE CATALYST FOR ALL
THE UN-BORING THINGS YOU DO IN LIFE.