Performance

Checking

For those who want more rewards for a broader relationship - Performance Checking gives you higher rates as your savings grows and allows you to leverage your relationship with us to potentially avoid your monthly service charge.

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Key Features
Reimbursement of non-PNC ATM Fees

Some fees for using non-PNC ATMs are reimbursed[1]

Earn Interest on Balances

Account earns interest on balances of $2,000 or more.

Get cash rewards

With PNC Purchase Payback, earn cash rewards for purchases you already make.[1]

Features and Benefits

  • Some fees for using non-PNC ATMs are reimbursed[1]
  • Free transactions at approximately 9,000 PNC ATMs[2]
  • Earn cash with PNC Purchase Payback® [3]
  • Account earns interest on balances of $2,000 or more
  • Unlimited check-writing
  • $8 discount on select design checks
  • Get higher relationship rates on a Premiere Money Market[4] or Standard Savings[5] account
  • Free Overdraft Protection setup and transfers
  • One free Savings or Money Market Account
  • $10 annual fee discount on Safe Deposit Box
  • Free PNC cashier's checks

View Account Summary for more details

Requirements

No monthly service charge if you meet any ONE of the following requirements:

  • $2,000 or greater, total qualifying direct deposits[6] per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
  • OR, $2,000 average monthly balance in checking
  • OR, $10,000 combined average monthly balance[7] in PNC consumer deposits

Otherwise, the monthly service charge for Performance Checking is $15.

View Consumer Schedule of Service Charges and Fees

How to Apply

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Auto Savings

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PNC DepositEasySM

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Important Legal Disclosures and Information

  1. For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.

  2. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

  3. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.

  4. In order to qualify for a Relationship Rate, you must have a linked checking account (for the Performance Checking Relationship Rate, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend; for the Performance Select Checking Relationship Rate, you must have a linked Performance Select Checking or Virtual Wallet with Performance Select) 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 $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month. 
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or Performance Select Checking 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 Premiere Money Market 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 Premiere Money Market 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.

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges,  or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applied to all of your PNC accounts.

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

    (A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature PIN, or a purchase made electronically or online using your debit card number, including recurring payments.)

    Starting with the calendar month following when you open your Standard Savings 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 you or we make changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Standard Savings account), you may no longer qualify for a Relationship Rate.

  6. 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.

  7. Accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. Customer must request account be linked to receive relationship benefits.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

PNC points and PNC Cash Rewards are registered marks of The PNC Financial Services Group, Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC