Military Banking

We're here to support all those who serve and their families with community programs, products and financial insights.

Military Banking

We're here to support all those who serve and their families with community programs, products and financial insights.

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Earn up to $400

when you open and use a select, new Virtual Wallet.†

Our Commitment
Checking & Savings
Digital Tools That Serve You
Additional Support
Get Started

Our Commitment

To active military, veterans and your families, we recognize the commitments and sacrifices you and your families make to serve our country, as well as the unique financial challenges you encounter.

We believe in supporting you by helping you take positive steps with your finances through banking benefits and financial expertise and content. In addition, we're committed to making a positive difference within the communities where you live and work. 

INFP Prospect

Checking & Savings Accounts for Military

Virtual Wallet® includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
Apply online today:

Best Value For Military

Virtual Wallet® with Performance Spend

EARN $200

When you establish total qualifying direct deposits of
$2,000 or more to the Spend account†

Account Benefits:

  • Reimbursements available for some non-PNC ATM fees.[1]
  • Higher interest earning potential on your Growth account.

Military Benefits:

  • You may earn a $300 reward when your new PNC Mortgage is funded.[*], [2]
  • Reduced direct deposit requirement to avoid the monthly service charge. Learn More.

Apply online with an active Military ID or if you have served in the military call or visit us instead to apply.

Monthly service charge: $15/mo. or $0/mo.

How to avoid a monthly service charge
Apply for Checking & Savings
Apply for Checking Only
Features and Fees

Most Perks Overall

Virtual Wallet® with Performance Select

EARN $400

When you establish total qualifying direct deposits of
$5,000 or more to the Spend account†

Account Benefits:

  • No PNC fees for using other banks' ATMs and increased reimbursements available on other banks' fees.[1]
  • Highest interest earning potential on your Growth account.
  • No charge for domestic wires.

Military Benefits:

  • You may earn a $300 reward when your new PNC Mortgage is funded.[*], [2]

Apply online with an active Military ID or if you have served in the military call or visit us instead to apply.

Monthly service charge: $25/mo. or $0/mo.

How to avoid a monthly service charge
Apply for Checking & Savings
Apply for Checking Only
Features and Fees

Another Option That May Fit Your Needs Without Military Benefits

Virtual Wallet

EARN $100

Our basic checking option that allows you to add savings.

Apply for Checking + Savings
Apply for Checking Only

Monthly service charge: $7/mo. or $0/mo.

How to avoid a monthly service charge

Features and Fees
Account Agreement

If you prefer to open this account in a branch, bring this coupon with you to redeem your promotion.

Request a Coupon

With any Virtual Wallet, you can show your pride by choosing the Military debit card design that comes free with your account.

An Extra Benefit for Our Military Banking Customers

You may earn a $300 reward when your new PNC Mortgage is funded.[2] 

Learn More About VA Home Loans

Digital Tools That Serve You

Wherever you set up base, PNC's Online and Mobile Banking[3] help you bank your way.

Transferring Funds

Move your money with ease — to where you need it when you need it. Transfer funds between eligible PNC accounts and external accounts.[4]

Learn More about PNC Transfers

EasyLock®

An easy way to help protect your debit or credit card when your card is misplaced. Lock your PNC debit or credit card from your device to prevent it from being used when you're away or at home.[5]

Learn more about PNC Easy Lock®

Contactless Card

Pay in seconds without swiping or inserting your card. Contactless cards make it fast and easy for you to pay for everyday purchases at merchants around the world.

Learn more about Contactless Payments
PNC Cash Rewards, PNC Cash Unlimited, and PNC Spend Wise Credit Cards

Check Out Our PNC Visa® Credit Cards

Whether its cash back or low introductory rates - we have a credit card for you.

Learn More

Events

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Building Trust: Next Steps in your Ladder of Success with Lieutenant General Leslie C. Smith, Retired

As the first chemical officer to serve as the Army Inspector General, Lieutenant General Leslie C. Smith is widely respected for his approach to leadership rooted in the Army’s core values. Drawing from nearly 40 years of experience leading complex organizations and commanding military operations, Lieutenant General Smith will share what it means to be a fearless and compassionate servant leader. Gain invaluable insights on decision-making, building trust and risk management.

Register to Watch the Replay

Additional Support

Accessible Banking

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We’re committed to empowering customers with disabilities to manage their finances. Refer to the Accessible Banking page for more information.

Learn more about our commitment to Accessible Banking

Military Support

Each year, we collaborate with the Military Warriors Support Foundation to help eliminate the financial burdens often associated with returning to civilian life.

PNC has created a Military Employee Business Resource Group with the goal of increasing awareness of the unique skills veterans bring to the workforce. The group aims to recruit and retain military talent by enhancing that talent through professional development, mentoring and community engagement opportunities. 

Mutt Strut

In partnership with Guardian Angels Medical Service Dogs, Inc. PNC sponsors this event, in which we join together with other corporate partners, foundations, and members of the community to help fund the training of medical service dogs for veterans struggling with post-traumatic stress (PTS), traumatic brain injury, and other combat-related injuries. 

Learn More

Veteran-Owned Business

Now it’s our turn to be of service to you as you build, maintain or grow a successful Veteran-Owned Small Business. PNC Bank is committed to helping small businesses like yours by providing the tools and resources they need to grow.

Learn More

As a service member, you have certain rights and protections.

The Servicemembers Operations Center (SOC) is the single point of contact for service members requesting Servicemembers Civil Relief Act (SCRA) Program Benefits and/or protections for their active service. Recognizing the important contributions that men and women in the Armed Forces make to our society, PNC adheres to the service member eligibility standards and benefits described in the SCRA and similar state laws.

We are committed to providing service members who may be eligible for SCRA and SCRA-like benefits and protections with a simple and user friendly process for inquiring about or requesting SCRA benefits. PLEASE NOTE: The SOC can answer questions about the SCRA, military documentation and status information. They can’t answer questions about specific accounts, products, online banking or debit cards.

Contact the SOC at 1-844-PNC-SCRA (1-844-762-7272).

The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible service members and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you. PNC will apply benefits and protections on eligible accounts, including:

  • Auto loans
  • Mortgage and home equity secured loans
  • Line of credit, credit card and installment loans
  • Commercial assets where the borrower is eligible for SCRA benefits or the guarantor is eligible for SCRA protection and PNC seeks recovery from the guarantor
  • Equipment loans and leases
  • Education loans
  • Deposit accounts (in limited situations)
  • Safe deposit boxes (in limited situations)


We want you to receive all the benefits you're eligible for as a service member. If you have orders or other documentation reflecting your service commitment, please send a request to servicemembers@pnc.com in order to receive instructions on how to establish a secure email connection with us before sending military documentation via email. Should you prefer to send documentation with personally identifiable information (like your social security number) another route, it can be faxed to 1-855-568-4532 or mailed to:

Mail:
PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570

For service member eligibility questions:

Call: 1-844-PNC-SCRA (1-844-762-7272)
8:30 a.m. to 4:30 p.m. ET Monday through Friday.

We'll review this information and follow-up with you.

Learn more about SCRA.

SCRA State Laws

Please also be aware that certain states may extend Servicemembers Civil Relief Act (SCRA)-like benefits under state law to service members and their spouses and/or dependents. If you were denied SCRA benefits based on post-service debt or denied spousal/dependent benefits and your state provides additional SCRA-like benefits please call 1-888-PNC-BANK (1-888-762-2265).

The Military Lending Act (MLA) provides certain consumer protections to eligible service members and their dependents. Only certain types of consumer credit are subject to the MLA, including most consumer credit card accounts, unsecured lines of credit, educational loans and unsecured installment loans.

Among the protections afforded by the MLA:

  • Limits a creditor from imposing a Military Annual Percentage Rate (MAPR) greater than 36%.
  • Requires creditors to provide certain disclosures.
  • Prohibits creditors from requiring service members to submit to arbitration.

In accordance with the requirements of the MLA, PNC Bank generally determines borrower eligibility at or about the time of loan, line of credit or credit card account opening based on information available in the database maintained by the Department of Defense. Once PNC Bank determines eligibility, protections are afforded automatically. Service members and/or their dependents are not required to take any action.

If you have questions about protections under the MLA, contact our Servicemember Operations Center (SOC). Contacting the SOC can be accomplished in any of the following ways:

Email: servicemembers@pnc.com

Call: 1-844-PNC-SCRA (1-844-762-7272)
Monday through Friday, 7:00 a.m. to 10:00 p.m., ET.
Saturday and Sunday, 8:00 a.m. to 5:00 p.m., ET.

Fax: 1-855-568-4532

Mail:
PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570

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Contact Us

Reach out to get started - we’re here to discuss your unique needs.

Call Us

1-877-CALL-PNC (225-5762)

Visit Us

Locate a PNC Branch or ATM

Schedule an Appointment

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