Virtual Wallet Student®

Checking and savings combined to cover your banking needs from high school to college.

Digital tools to help manage your money while you're in school


$0 monthly service charge for up to 6 years to help keep your account worry-free[1]


A PNC Debit Card and digital features give you more ways to control and access your money.

PNC Visa® Debit Card

Card offers contactless technology and you can add your card to the mobile wallet of your choice for even more convenience. PNC also offers debit card designs for universities and colleges to show your school spirit.

Low Cash Mode®

With Low Cash Mode in the PNC Mobile
App[2], you have more control when your balance is low and extra time to get your balance out of the negative.[3]


With Zelle® in the PNC Mobile App[2], you can easily send and receive money with people you know and trust – wherever they bank in the U.S. Split payments for pizza with friends no problem![4]

A Checking & Savings Account Made for Student Life

A digital banking experience to keep your money organized while you're in school.

What You Get

Open a new Virtual Wallet Student and it will include:

  • No monthly service charge for 6 years[1]
  • One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event on your Spend account[5]
  • One incoming domestic or international wire transfer per statement period at no charge
  • 2,300+ locations and approximately 60,000 PNC and Partner ATMs from coast to coast[6]
  • Spend and Reserve checking with a Growth savings account all together

How Do You Apply?

PNC makes it easy.

Ages 18+

Apply online or schedule an appointment in a branch. An adult co-applicant is not required, but many students still choose to have one.

Ages 16-17

Apply online or schedule an appointment in a branch. Either way, an adult co-applicant is needed.


Ages 14-15

Schedule an appointment in a branch to apply with an adult
over 18.


Know What Information Is Needed

Applicants will need their Social Security number and a valid U.S. Driver's license or a state or military ID for verification.

Additional forms of ID may be accepted when applying in-branch. Contact your local branch if you have questions about acceptable forms of identification.

Related Resources

About PNC

Corporate Responsibility

PNC is committed to continually setting and achieving ambitious carbon emissions, energy use, water use and renewable electricity goals, related to our own operational footprint.

Financial Education

My Finance Academy

PNC My Finance Academy provides information, insights and ideas that may help as you work toward building healthy financial habits for high school, college and beyond.


Consider Working at PNC

From student internships to professional opportunities for graduates, PNC has a variety of career opportunities.