You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate, and other specialty titled accounts are excluded from this offer.
You may earn a $100 reward if you open new Virtual Wallet and meet all qualifying conditions. If you change your checking product after account opening, the product that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
Offer is valid 12/9/2025 through 1/5/2026 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.
To receive the reward:
1) Open a new, eligible PNC checking product online via the application links on this page. 2) Set up and receive total qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency into the Spend account. The total amount of all qualifying direct deposits received into your Spend account must be at least $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.
The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax adviser.