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.
Virtual Wallet Student®
Open an Account at a PNC Bank Branch or Online
Named Best Overall
Best Banks for Students
— Money Magazine, 2021, 2022, 2023
Say Goodbye to Surprise Overdraft Fees
Introducing Low Cash Mode® in the PNC Mobile App[1,2]
Many banks will charge you multiple overdraft fees a day. Others may promise no overdraft fees but will return all items leaving you with unpaid bills. Low Cash Mode gives you more control when your balance is low.
Built on patents-pending technology, Virtual Wallet’s digital tools now include Low Cash Mode, a new, game-changing tech that helps you avoid overdraft fees and take control when your balance gets low or negative.
- Extra Time will show you how much time you have left – which will be at least 24 hours – to bring your available Spend account balance to at least zero before you are charged overdraft fees.[3]
- Payment Control gives you the option to choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions)[4], when the available balance in your Spend account is negative.
- Intelligent Alerts notify you when your Spend account balance drops below your threshold so that you can take action.[5]
A Checking and Savings Account Made for Student Life
A digital banking experience to keep your money organized while you're in school.
What You Get
- Spend: primary checking account
- Reserve: short-term planning
- Growth: long-term savings account
What You Need to Know
At the end of the six years, your Virtual Wallet Student account will convert to Virtual Wallet and be subject to the Virtual Wallet Features and Fees in effect at that time.
If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.[6]
Virtual Wallet Student Benefits
Open a new Virtual Wallet Student and get certain benefits for up to six years, including:
- No monthly service charge.[6]
- One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event.[7]
- One incoming domestic or international wire transfer per statement period at no charge.
- Automatic enrollment for online statements and documents the first time you sign on to PNC Online Banking, and the option to choose paper statements at no charge.
Plus, still receive benefits standard to Virtual Wallet, like:
- A PNC Bank Visa® Debit Card.
- Free Mobile[1] and Online[8] Banking to manage your money how and when you want.
- Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period.[9]
- $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period.[9]
- International Services including language interpretation.
Open an Account at a PNC Bank Branch or Online
Manage Your Money Online & On Your Mobile Device
Digital tools that help you see what's free to spend, stay on track with your budget & reach your financial goals.
Budget & spend wisely
- Calendar
- Money Bar®
- Spending & Budgets
Know your balance is low
- Low Cash Mode®
- Danger DaySM
Stick to your plan
- Savings Rules
- Savings Goals
We Have Even More for Students
The Student Banking Hub can help students and famillies
bank – from college prep to career.
Ready to Get Started or Have Questions? We're Here to Help.
Visit Us
Locate Us
Learn More
Does PNC have a partnership with your school?
Take advantage of all the benefits a PNC school relationship may offer. Learn more about our school partnerships.