PNC Foundation
Checking Account

Make your financial life simpler.

Features & Benefits


Our Foundation Checking account is designed for those who don’t qualify for a traditional checking account.


We encourage you to first apply for a Virtual Wallet® product at a branch or by calling 1-800-PNC-BANK.  If you don’t qualify, you may be offered an opportunity to open a Foundation Checking account.[1]


Minimum to open  $25
Monthly service charge[2]  $5
Overdraft and returned item fee   $0

View Charges & Fees »

For meeting National Account Standards, PNC Foundation Checking is certified as a low-cost, low-fee account by Bank On.

PNC BankOn logo 

Foundations of Money Management


Whether you’re new to banking or looking to expand your financial management skills, a strong foundation can help prepare you for financial well-being.

This short course covers banking basics, managing your accounts, and budgeting – and includes tools and templates you can utilize to help manage your finances.

or bookmark it for later

Digital Banking Tools


Digital Payments

Make purchases with PNC Pay® on your eligible Android device or another digital payment option on an eligible mobile device.[3]


Online Banking

Access your account information how and where you need it. Check balances, pay bills, review account activity, transfer money[4] and more. [5]


Mobile Banking

Check your balance, pay bills, request help and more. Additionally, the PNC Mobile app lets you change your language preference to Spanish.[3]





Set Goals to Save More

What do you want to save for? Whether it's a new computer or a down payment, learn a simple system that can help make it happen.

2:53 min video


Having Fun While Still Saving Money

It can be difficult to balance enjoying your time now and preparing for the future. But with a few small steps, you can get your short-term self to act in ways that support your long-term plans. test

3 min read


Strategies for Saving

Thoughtful planning can help you put money away now and develop smart financial habits to carry with you your whole life.

2 min read

Get Started

Find a location that is convenient for you.

Foundation Checking Charges & Fees »

Locate a PNC Branch


Apply for a card today! If you’re eligible to receive the Child Tax Credit, elect to have it automatically deposited to your card. Check for eligibilityof your Child Tax Credit.​

Important Legal Disclosures and Information

  1. PNC product and feature availability varies by location. Foundation Checking may not be available in all states.

  2. The 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.

  3. 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 PNC Online Banking Service Agreement.

  4. PNC limits the number of transfers that may be made from a savings or money market account without incurring a fee.  Please see your account agreement and fee schedule for more information.

  5. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

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

PNC Pay 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.