Military Banking

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

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. Here are just a few of the ways we are doing just that:

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 »

Learn more about Mutt Strut 2022 and how to get involved »

PNC Mutt Strut participants 

Female veteran being interviewed for job

Military Support and Recruiting Practices

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. 


Ways PNC Gets involved

Sponsor of the Year


Guardian Angels Medical Service Dogs, Inc. (2020)
Secretary of Defense Freedom Award
 Highest DOD honor for supporting National Guard and Army Reserve employees (2014)*

*Awarded every 10 years

Best Corporations for Veteran Business Enterprise
National Association for Veteran-Owned Businesses (2020)
Top Veteran Friendly Supplier Diversity Program
U.S. Veterans
Magazine (2020)
Best of the Best top Veteran-Friendly Companies
U.S. Veterans
Magazine (2020)


Military Child of the Year Magazine (2020)

Topics of Interest


How to Set Financial Goals for Your Military Family

Financial planning can be difficult when you have to relocate frequently or you are unexpectedly deployed.


6 Financial Steps to Take Before Deploying

A few easy steps before you deploy can help take the uncertainty out of the state of your finances.


Money Tips Every Military Family Needs

How to keep your finances secure online and in real life while traveling as a military family.

Military Banking Benefits


Military Banking customers can enjoy a reduced qualifying monthly direct deposit requirement of $1,000 to receive a $15 Monthly Service Charge waiver on a Virtual Wallet® with Performance Spend.[1]  NOTE: Not all Virtual Wallet products are available in all markets. 

Debit Cards

Show your support by choosing from 1 of 3 military-themed PNC Bank Affinity Visa® Debit Cards

Credit Cards

You could earn a $100 cash award when you open a new PNC Core® Visa® Credit Card, PNC points® Visa Credit Card, or PNC Cash Rewards® Visa Credit Card and you meet the minimum spend requirement. [2]

Explore VA home loans

We offer special VA home loan options for active military, veteran, reservist or National Guard. Open a new PNC mortgage and earn a $300[3] reward.

Manage Your Money at Your Convenience

With Online, Mobile[4], and ATM Banking, you can bank where and when it works for you.

  • With Low Cash Mode®, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.
  • Monitor your accounts and check your balance when and where you want to
  • Transfer funds[5] between your PNC accounts and from your external accounts
  • Schedule and track bill payments
  • With PNC Pay® you can use your eligible Android™ device[6] and eligible PNC cards to make in-store purchases right from the PNC Mobile app[4]
  • Make a deposit by using your mobile app and taking a picture of your check with your mobile phone[4]
  • Use Zelle® to easily send money. With just an email address or U.S. mobile phone number, you can quickly send money to people you know and trust, regardless of where they bank in the U.S.[7]



Learn More »

Military member using smart phone in hotel 

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

Important Legal Disclosures & Information

  1. The customer must have $1,000 or more in aggregate qualifying direct deposits into their account per statement period.  Deposits must be made to the Spend account for Virtual Wallet with Performance Spend.  The account must include a valid 10-digit Military Banking code (the code must be on the Spend account if it’s a Virtual Wallet with Performance Spend).  For Performance Checking or Virtual Wallet with Performance Spend, there isn't a monthly service charge if the total amount of all qualifying direct deposits credited to your account during the monthly statement period is at least $1,000. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck or other regular monthly income electronically deposited into a Performance Checking account or the Spend Account for Virtual Wallet Performance by an employer or outside agency. Transfers from one account to another, or deposits made at a branch or ATM, don't qualify as Direct Deposits.

  2. Obtaining a PNC Bank credit card account is subject to credit approval. To qualify for the $100 credit card account cash award, when apply for a new credit card, the PNC Military Banking customer must have an eligible PNC Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Checking account, or Performance Select Checking account, open a new qualifying PNC credit card, and make at least $1,000 in purchases within the first three billing cycles following credit card account opening.  The $100 cash award is not available to PNC Military Banking customers who have already opened a qualifying PNC credit card and were credited the $100 cash award to the same eligible checking account within the last 24 months. 

    The $100 will be in the form of a credit to the eligible checking account within 90 days following the purchase that enabled you to meet the $1,000 minimum requirement. The $100 cash award will be identified as “CREDITS CREDCARD WKPMIL" on your monthly checking account statement.  Your PNC Military Banking Checking account must remain open in order for you to receive the $100 cash award.  The $100 cash award may be subject to tax reporting. Limit one $100 cash award per PNC Military Banking eligible checking account in a 24-month period. The 24-month period begins on the date the most recent $100 credit card account cash award was credited to the eligible checking account.

    As used in this offer, the term “purchases” has the same meaning as “qualifying purchase” in the PNC points Program reward terms and conditions, as “purchase" in the PNC Cash Rewards Program reward terms and conditions, or as "purchase" under the account terms for PNC Core. That means that, in general, as used in this offer, "purchases" does not mean all transactions you may make with your credit card account. Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers, are excluded. Also, fees and interest, even if included in the purchase balance on your account, never earn rewards and are not treated as purchases for purposes of qualifying for the cash award offer. For details about excluded transactions, please see the complete reward program terms and conditions available on

    For details on reward programs, please refer to the applicable reward terms and conditions, which are available at  This offer may be modified or discontinued at any time and without notice.  Must apply for the credit card at the branch/Solution Center or by calling the PNC Care Center. 

    PNC Bank, National Association is the issuer of the credit cards described herein. Bank deposit products and services are provided by PNC Bank, National Association, Member FDIC.

  3. To qualify for the $300 mortgage account reward, at the time of mortgage funding, the PNC WorkPlace Banking or PNC Military Banking customer must have an eligible PNC WorkPlace Banking or PNC Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Select Checking account or Performance Checking account.

    The PNC WorkPlace Banking or PNC Military Banking checking account must remain open in order for you to receive the $300 reward, which will be credited to the eligible checking account within 90 days after conditions have been met and will be identified as "CREDITS MORTGAGE WKP MIL" on your monthly checking account statement.

    Offer may be extended, modified, or discontinued at any time. 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 regarding your specific situation.

    PNC is a registered service mark of The PNC Financial Services Group, Inc. ("PNC"). All loans are provided by PNC Bank, National Association, and are subject to credit approval and property appraisal. Terms and conditions of this offer are subject to change without notice.

  4. 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.

  5. PNC limits the number of transfers that may be made from a savings or money market account without incurring a fee.  Please see your account agreement and fee schedule for more information.

  6. Eligible Android devices must have an NFC antenna to be eligible.  Please refer to the list of eligible devices on the Google Pay page.

  7. Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.  

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Android and Google Pay are trademarks of Google LLC.

PNC Cash Rewards, PNC Premier Traveler, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc. 

PNC Pay is a registered mark of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.