Standard

Checking

If all you want are the basics, then Standard checking account may just be the right solution for you.

Fast, Easy, Secure

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

Account Summary Service Charges and Fees

Key Features
Get cash rewards

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

Free PNC ATMs

Free transactions at over 7,200
PNC Bank ATMs.

Online and Mobile Banking

Manage your account with free Online[2] and Mobile Banking.[3]

Features and Benefits

  • Free transactions at over 7,200 PNC ATMs
  • Limited non-PNC ATM fee reimbursement. See if it applies in your area»
  • Earn higher yield relationship interest rates on your Standard Savings account.[1]
  • Unlimited check writing
  • Earn cash with PNC Purchase Payback® [2]
  • Free Online Banking and Bill Pay[3]

Requirements

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

  • $500 or more in total qualifying direct deposits[4] per statement period
  • OR, $500 average monthly balance in checking
  • OR, Account owner is age 62 or older

Otherwise, the monthly service charge for Standard Checking is $7.

View Consumer Schedule of Service Charges and Fees

How to Apply

Meet Oliver

"With all things financial, if you can do a little bit every day you'll end up very close to the goals you want to attain."

- Oliver W.

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.

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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 »

Overdraft Solutions

PNC offers 2 ways to help with potential overdrafts - Overdraft Protection and Overdraft Coverage.

Learn More »

Important Legal Disclosures and Information

  1. In order to qualify for the Relationship Rate, 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 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 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.

  2. 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.

  3. 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.

  4. 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.

  5. In order to qualify for the Relationship Rate, 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 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 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.

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