New Customer Checking Offer

Earn up to $600

Open a new checking account and set up a qualifying direct deposit.^[1]

Choose Your Account

It Pays To Open a Checking Account With PNC Bank

Choose a Virtual Wallet® that includes a Spend checking account.

Most Perks

Virtual Wallet
with Performance Select

Earn $600 when you establish total qualifying direct deposits of $5,000 to the Spend account.^[1]

Open Now

Great for those who want to optimize their financial growth

All of our Virtual Wallet features
Earns interest
The most fee reimbursements for non-PNC ATMs^[2]

Monthly service charge: $25 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]

Open Now

Perfect for those comfortable managing their money

Add a savings account at no charge
Budgeting tools to track spending and upcoming bills
Low Cash Mode^®to help you avoid overdraft fees^[3]

Monthly service charge: $7 or $0

How to avoid a monthly service charge

Features and Fees

Account Agreement

How to Earn

Open

Open a new Virtual Wallet on this page or bring your coupon code to a PNC Bank Branch to open by 11/16/2026.

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 Spend account 60-90 days after conditions have been met.

Benefits of Boring Banking

Access your money the way you want, backed by the FDIC.^[7]

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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 $600 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. After you open a checking product, you must remain in that product to receive the corresponding reward; changing your checking product after account opening could result in your offer eligibility, terms, and corresponding reward amount changing.

Offer is valid 9/15/2026 through 11/16/2026 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 or in a physical PNC location with the coupon code. 2) Set up and receive total 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 into 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" 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.
Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

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.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
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 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.
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.
The FDIC Insurance Coverage limit is currently $250,000 per depositor, per institution. To understand more about FDIC or to learn more about how to maximize coverage, you may refer to www.fdic.gov/EDIE/

Check Rates

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

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

PNC is a registered mark of The PNC Financial Services Group, Inc. ("PNC").

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

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

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 up to $600

Open a new checking account and set up a qualifying direct deposit.^[1]

It Pays To Open a Checking Account With PNC Bank

Choose a Virtual Wallet® that includes a Spend checking account.

Virtual Wallet
with Performance Select

Virtual Wallet

How to Earn

Open

Set Up Direct Deposit

Receive Your Reward

Benefits of Boring Banking

Access your money the way you want, backed by the FDIC.^[7]

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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.

SUPPORT

ON THE GO

ABOUT

Earn up to $600

Open a new checking account and set up a qualifying direct deposit.[1]

It Pays To Open a Checking Account With PNC Bank

Choose a Virtual Wallet® that includes a Spend checking account.

Virtual Wallet with Performance Select

Virtual Wallet

How to Earn

Open

Set Up Direct Deposit

Receive Your Reward

Benefits of Boring Banking

Access your money the way you want, backed by the FDIC.[7]

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

Zelle®[4], mobile check deposit and online bill pay all from your mobile app[5]

Set up security & fraud alerts, plus Easy Lock®[6] if your debit card is misplaced

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

Zelle®[4], mobile check deposit and online bill pay all from your mobile app[5]

Set up security & fraud alerts, plus Easy Lock®[6] if your debit card is misplaced

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

Open a new checking account and set up a qualifying direct deposit.^[1]

Virtual Wallet
with Performance Select

Access your money the way you want, backed by the FDIC.^[7]

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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

Zelle^®[4], mobile check deposit and online bill pay all from your mobile app^[5]

Set up security & fraud alerts, plus Easy Lock®^[6] if your debit card is misplaced

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