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 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»
  • Unlimited check writing
  • Earn cash with PNC Purchase Payback® [1]
  • Free Online Banking and Bill Pay[2]


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

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 »

Overdraft Solutions

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

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. 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.

  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. 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.

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