PNC Foundation
Checking Account

Help make your financial life stronger.

Features & Benefits

Foundation Checking for strengthening your budgeting and financial needs.

 

Foundation Checking

Access the way you want, with no overdraft fees

Everything you need in a checking account to focus on building towards your goals tomorrow without the worry of overdraft
fees.[1]

  • Online access to your account
  • The features of the PNC mobile app[2]
  • Checks
  • PNC Bank Visa® Debit Card

 

Set Aside Money and Save

As a Foundation Checking customer, the monthly service charge on your Standard Savings account is waived for the first 12 months.

Learn more about PNC Standard Savings »

 

Spend All the Ways You Want

  • Zelle®[3] to quickly send and receive money with people you know and trust
  • Contactless Debit Card technology, pay with just a tap
  • Access your money fee-free at nearly 60,000 ATMs across the country as listed on our PNC Locator[4]
  • And much more!

 

Digital Tools to Help Manage Your Money

Digital tools that help you see what's free to spend, help you budget and reach your financial goals.

  • Schedule upcoming payments to budget spending
  • Set up text and email alerts[5]
  • Move money easily between other PNC accounts

 

Minimum to open  $25
Monthly service charge  $5
Monthly service charge for account holders age 62+[6]   $0
Cashier's Checks  $0
Overdraft and returned item fee   $0

View Charges & Fees »

PNC BankOn logo

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

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® using
the PNC Mobile app[2] on eligible Android™ Devices.[7]

 

Online Banking

Access your account information how and where you need it. Check balances, pay bills, review account activity, transfer money[8] and more. [9]

 

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]

 

 

Get Started

Find a location that is convenient for you.

Locate a PNC Branch

Foundation Checking Charges & Fees »

Insights

Save

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

Save

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

Save

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

Important Legal Disclosures and Information

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

  2. 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.

  3. 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 norZelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account 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.

  4. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  5. PNC Alerts are free to customers. 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.

  6. 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.

  7. Eligible Android devices must have an NFC antenna to be eligible. Please refer to the list of eligible devices on the Google pay page.

  8. 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.

  9. 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.

Visa® is a registered trademark of Visa International Service Association and used under license.

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.