Earn Up To $600

when you open and use a select new PNC Virtual Wallet^®Checking & Savings. Together.

Offer Details

Earn Up to $400
Earn Up to $600

Virtual Wallet with Performance Spend

Earn $200^[1] when you establish total qualifying direct deposit of $2,000 or more to the Spend account in the first 60 days.

PLUS, earn an additional $200^[2] when you deposit a minimum of $10,000 in your new Virtual Wallet Growth account and maintain an average monthly balance of $10,000 in your new Growth account for each of the first 3 statement cycles.

With Spend, Reserve & Growth, you get:

$0 minimum deposit to open online
As a PNC customer, you can access your money fee free at nearly 60,000 ATMs across the country, as listed on our ATM locator^[3]
Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees
Two layers of overdraft protection
Digital tools to track your spending and automate your savings goals, including Low Cash Mode^[4]

Virtual Wallet Fine Print

Virtual Wallet Features and Fees

Checking & Savings. Together.

Apply for Checking & Savings

Check Rates

To be eligible for the full reward, the Checking and Savings
must be bundled at account opening

Virtual Wallet with Performance Select

Earn $400^[1] when you establish total qualifying direct deposit of $5,000 or more to the Spend account in the first 60 days.

With Spend, Reserve & Growth, you get:

$0 minimum deposit to open online
As a PNC customer, you can access your money fee free at nearly 60,000 ATMs across the country, as listed on our ATM locator^[3]
Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees
Two layers of overdraft protection
Digital tools to track your spending and automate your savings goals, including Low Cash Mode^[4]

Virtual Wallet Fine Print

Virtual Wallet Features and Fees

Checking & Savings. Together.

Apply for Checking & Savings

Check Rates

To be eligible for the full reward, the Checking and Savings
must be bundled at account opening

To earn the full reward amount, the Growth account must be bundled with an eligible Virtual Wallet product at time of account opening and the following requirements must be met.

To earn a Virtual Wallet Checking reward:

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 of 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 or a $200 reward if you open and use a new Virtual Wallet with Performance Spend. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end 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 unique Reference Code from 04/01/2023 through 06/30/2023, 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 within 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 or Virtual Wallet with Performance Spend. 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 and $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 physical PNC location or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for 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 90 days, 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 appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.
To earn a Growth savings reward:

To qualify for the reward, the new Growth account must be opened with an eligible Virtual Wallet Spend account online via the application links on this page or in a physical PNC location with the unique Reference Code from 04/01/2023 through 06/30/2023 and the following condition must be met: average monthly balance of $10,000 must be maintained in your new Growth account for each of the first three Growth account statement cycles. Your reward credit will be credited to the eligible account within 60–90 days after all conditions have been met and will be identified as “Credits Saving Reward” on your monthly statement.

New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer savings account or has closed an account within the past 90 days, 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 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.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

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

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

when you open and use a select new PNC Virtual Wallet^®Checking & Savings. Together.

Offer Details

Virtual Wallet with Performance Spend

With Spend, Reserve & Growth, you get:

Checking & Savings. Together.

Virtual Wallet with Performance Select

With Spend, Reserve & Growth, you get:

Checking & Savings. Together.

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking or select another service

Earn Up To $600

when you open and use a select new PNC Virtual Wallet® Checking & Savings. Together.

Offer Details

Virtual Wallet with Performance Spend

With Spend, Reserve & Growth, you get:

Checking & Savings. Together.

Virtual Wallet with Performance Select

With Spend, Reserve & Growth, you get:

Checking & Savings. Together.

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

when you open and use a select new PNC Virtual Wallet^®Checking & Savings. Together.