Checking & Savings. Together.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

Choose Your Virtual Wallet

Virtual
Wallet

Earn $100

When you establish total qualifying direct deposits of $500 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
Relationship interest rates on your Growth account^**
Check Rates

Apply for Checking Only

Account Agreement

Features and Fees

Virtual Wallet with Performance Spend

Earn $200

When you establish total qualifying direct deposits 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
Reimbursements available for some non-PNC ATM fees^[2]
Higher relationship interest rates on your Growth account^**
Check Rates

Apply for Checking Only

Account Agreement

Features and Fees

Virtual Wallet with Performance Select

Earn $400

When you establish total qualifying direct deposits 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
No PNC charges for using other banks' ATMs and increased reimbursements available on other bank's fees^[2]
Highest relationship interest rates on your Growth account^**
Check Rates
No charge for domestic wires

Apply for Checking Only

Account Agreement

Features and Fees

Choose Your Virtual Wallet

Virtual
Wallet

Earn $100

When you establish total qualifying direct deposits of $500 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
Relationship interest rates on your Growth account^**
Check Rates

Apply for Checking Only

Account Agreement

Features and Fees

Virtual Wallet with Performance Spend

Earn $200

When you establish total qualifying direct deposits 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
Reimbursements available for some non-PNC ATM fees^[2]
Higher relationship interest rates on your Growth account^**
Check Rates

Apply for Checking Only

Account Agreement

Features and Fees

Virtual Wallet with Performance Select

Earn $400

When you establish total qualifying direct deposits 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
No PNC charges for using other banks' ATMs and increased reimbursements available on other bank's fees^[2]
Highest relationship interest rates on your Growth account^**
Check Rates
No charge for domestic wires

Apply for Checking Only

Account Agreement

Features and Fees

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 nearly 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.

**In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet 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 account using your Visa® Debit Card or to your linked Visa® Credit Card.
Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
(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.)

Starting with the calendar month following when you open your Virtual Wallet Growth 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 there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

✝This offer is contingent on product availability and may vary based on where you open your account and the ZIP Code of your primary address. For online or phone origination, the ZIP Code on your primary address will be used to determine product availability. For origination through a PNC location, product availability will be based on the physical PNC location. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend or a $100 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type 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.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page or in a physical PNC location with the coupon from 09/04/2024 through 01/02/2025, and a qualifying direct deposit(s) must be received within the first 60 days. Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account 60–90 days after all conditions have been met and will be identified as “Credits Check Reward” on your monthly statement.

A qualifying direct deposit for this offer, is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, or Virtual Wallet. 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, $2,000 for Virtual Wallet with Performance Spend 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 physical PNC location or ATM do not qualify as qualifying direct deposits.

The new account 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 has closed an account within the past 12 months, or has been paid 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. Offer may be extended, modified or discontinued at any time and may vary by market. 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 regarding your specific situation.
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.

Check Rates

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.

Checking & Savings. Together.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

Choose Your Virtual Wallet

Virtual
Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

Choose Your Virtual Wallet

Virtual
Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

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

Checking & Savings. Together.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet®[1]

Choose Your Virtual Wallet

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

Choose Your Virtual Wallet

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

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

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

Virtual
Wallet

Virtual
Wallet

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