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 full relationship with us to potentially avoid your monthly service charge.

Fast, Easy, Secure

Apply online in as little as 10 minutes! It's safe and secure.

Account Summary Service Charges and Fees

Key Features
Reimbursement of non-PNC ATM Fees
Earn Interest on Balances

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

Earn Bonus Rewards

Earn higher bonus rewards with your PNC Visa® Credit Card

Features and Benefits

  • Reimbursement of non-PNC ATM fees and other bank's surcharge fees.
    See how much in your area »
  • Free transactions at over 7,200 PNC ATMs
  • Earn cash with PNC Purchase Payback® [1]
  • Bonus rewards with your PNC Visa Credit Card
  • Account earns interest on balances of $2,000 or more
  • Unlimited check-writing
  • Bonus rates on select CDs and IRA CDs
  • 1 free Savings or Premium Money Market Account
  • Free PNC-exclusive checks
  • Free Overdraft Protection set up and transfers
  • $10 annual fee discount on Safe Deposit Box
  • Free PNC Cashier's Checks
  • Free Stop Payments

View Account Summary for more details


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

  • $2,000 or greater, total qualifying direct deposits[2] per statement period
  • OR, $2,000 average monthly balance in checking
  • OR, $15,000 combined average monthly balance[3] in PNC consumer deposits, loans and/or investments

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

View Consumer Schedule of Service Charges and Fees

How to Apply

We Also Recommend

Auto Savings

With Auto Savings, transfers will occur from your checking to your savings account - automatically, eliminating much of the discipline of saving money.

Learn More »

Direct Deposit

With Direct Deposit, have your paycheck or any regularly scheduled payment deposited electronically into your checking, savings or money market account.

Learn More »

PNC DepositEasySM

PNC DepositEasy is the "envelope-free" way to make cash or check deposits right at the ATM, anytime of day or night, including weekends and holidays.

Learn More »

Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. PNC deposit accounts include consumer checking, savings, money market, certificate of deposit, and retirement certificate of deposit. PNC loan accounts include line of credit, auto or home equity installment loan, and mortgage loan. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. 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. The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance.

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

PNC points and CashBuilder  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