New Customer Checking Offer

Earn up to $800^[1]

and a variable promotional rate of 3.50% Annual Percentage Yield (APY).^[2]

when you maintain a daily balance of $10,000 or more and meet additional qualifications described below^[3]

Choose Your Account

Choose Your Virtual Wallet®

Virtual Wallet
with Performance Select

Earn $800

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

Apply for Checking & Savings

Includes:

Spend - primary checking account
Reserve - second checking account
Growth - long-term savings account
Earn a variable promotional rate of 3.50% APY^[2]with a $10,000 balance minimum in your Growth Savings Account^[3]
No PNC charges for using other banks' ATMs and increased reimbursements available on other bank's fees^[4]
No charge for domestic wires

Apply for Checking Only

Account Agreement

Features and Fees

Virtual Wallet
with Performance Spend

Earn $200

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

Apply for Checking & Savings

Includes:

Spend - primary checking account
Reserve - second checking account
Growth - long-term savings account
Earn a variable promotional rate of 3.50% APY^[2]with a $10,000 balance minimum in your Growth Savings Account^[3]
Reimbursements available for some non-PNC ATM fees^[4]

Apply for Checking Only

Account Agreement

Features and Fees

How to Earn Your Cash Reward

Open

Open a new Virtual Wallet on this page or bring your coupon to a PNC Bank Branch to open by 01/05/2026.

Set Up Direct Deposit

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

_{*$2,000 or more for Virtual Wallet with Performance Spend

*$5,000 or more 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

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^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] if your debit card is misplaced

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] 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 $800 reward if you open a new Virtual Wallet with Performance Select or a $200 reward if you open new Virtual Wallet with Performance Spend 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 11/04/2025 through 01/05/2026 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. 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 $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 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.
All rates and Annual Percentage Yields (APYs) are accurate as of 12/5/25. The minimum amount to earn interest is $1.00. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changes, check current rates.

The APY balance tiers for Virtual Wallet with Performance Spend Growth account are as follows: 0.03% for balances $1 - $9,999.99; 3.50% for balances $10,000 - $24,999.99; 3.50% for balances $25,000 - $49,999.99; 3.50% for balances $50,000 - $99,999.99; 3.50% for balances $100,000 - $249,999.99; 3.50% for balances $250,000 - $499,999.99; 3.50% for balances $500,000 - $999,999.99; and 3.50% for balances $1,000,000+

The APY balance tiers for Virtual Wallet with Performance Select Growth account are as follows: 0.04% for balances $1 - $9,999.99; 3.50% for balances $10,000 - $24,999.99; 3.50% for balances $25,000 - $49,999.99; 3.50% for balances $50,000 - $99,999.99; 3.50% for balances $100,000 - $249,999.99; 3.50% for balances $250,000 - $499,999.99; 3.50% for balances $500,000 - $999,999.99; and 3.50% for balances $1,000,000+
To earn this Promotional Rate ("Offer"), you must open a new Virtual Wallet Performance Spend Growth or Virtual Wallet Performance Select Growth account* and maintain a minimum daily balance of $10,000. If your balance goes below $10,000, you will earn the variable Standard Rate based on eligibility. This Offer is only available to customers who have a PNC consumer checking account who currently do not have, and have not had, any of the following accounts in the 6 months prior to opening your new Virtual Wallet Performance Spend Growth or Virtual Wallet Performance Select Growth account:

PNC consumer money market account
PNC Virtual Wallet® with Performance Spend Growth account
PNC Virtual Wallet® with Performance Select Growth account

* Product transfers or upgrades from any existing PNC accounts to money market or Growth accounts are ineligible. Trust, Estate, and other specialty titled accounts aren’t eligible for this offer.

Promotional Rate ("Offer") is available online for customers with an address of record in AL, GA, IL, SC, or WI.

This offer may be modified or discontinued at any time.

Important Note about Balance: PNC reserves the right to refuse or return any deposit amount to you that causes the combined balance of all of your savings and money market accounts with PNC to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).

Customers who meet the promotional eligibility requirements will have the Promotional Rate applied to their account within (5) business days of account opening. Additionally, a rate disclosure with promotional terms and conditions will be mailed as confirmation. For Variable Rate promotional offers, the rate may change at any time after account opening.

Important Note about Current Rates: Virtual Wallet Performance Spend Growth or Virtual Wallet Performance Select Growth account will earn the highest rate available to you (Promotional or Standard Rate) for which you qualify based on the applicable balance tier and the criteria above.

If multiple accounts are opened with the same signers, only the first account will be eligible for the Offer.

Business accounts are not eligible.

$25 minimum opening deposit to open in the branch.
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 Spend includes reimbursement of the first 2 PNC fees at domestic or international non-PNC ATMs and, up to $5 for other bank's ATM surcharge fees each statement cycle. 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 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.

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 service 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 $800^[1]

and a variable promotional rate of 3.50% Annual Percentage Yield (APY).^[2]

Choose Your Virtual Wallet®

Virtual Wallet
with Performance Select

Virtual Wallet
with Performance Spend

How to Earn Your Cash Reward

Open

Set Up Direct Deposit

Receive Your Reward

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^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] if your debit card is misplaced

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] 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 $800[1]

and a variable promotional rate of 3.50% Annual Percentage Yield (APY).[2]

Choose Your Virtual Wallet®

Virtual Wallet with Performance Select

Virtual Wallet with Performance Spend

How to Earn Your Cash Reward

Open

Set Up Direct Deposit

Receive Your Reward

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[4]

Zelle®[5], mobile check deposit and online bill pay all from your mobile app[6]

Set up security & fraud alerts, plus Easy Lock®[7] if your debit card is misplaced

2,000+ locations and approximately 60,000 PNC and Partner ATMs[4]

Zelle®[5], mobile check deposit and online bill pay all from your mobile app[6]

Set up security & fraud alerts, plus Easy Lock®[7] 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

Earn up to $800^[1]

and a variable promotional rate of 3.50% Annual Percentage Yield (APY).^[2]

Virtual Wallet
with Performance Select

Virtual Wallet
with Performance Spend

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] if your debit card is misplaced

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[5], mobile check deposit and online bill pay all from your mobile app^[6]

Set up security & fraud alerts, plus Easy Lock®^[7] if your debit card is misplaced

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