The 25-age waiver and/or 62-age waiver will only be applied if the date of birth for the primary or secondary owner(s) on the account meets the age requirement. The date of birth for a fiduciary (i.e. Rep Payee, Trustee) is not eligible for the waiver. If no date of birth is on file, waiver eligibility is based on the date of account opening.
Student Checking Account
PNC Simple Checking for student life.
A Checking Account Made with High School and College Students in Mind
- $0 to open online
- No overdraft fees
- Avoid the monthly service charge if you are under 25 or have any qualifying direct deposit[1,2]
Features
A PNC Debit Card and digital features give you more ways
to control and access your money.
Customized PNC Visa® Debit Cards
PNC offers debit card designs for universities and colleges to show your school spirit. Your PNC Visa Debit Card also comes with contactless technology and you can add your card to your mobile wallet for even more convenience.
On Campus or Near Your Home
With access to over 2,000 PNC branches and approximately 60,000 PNC and partner ATMs nationwide, you’re never far from your money. Whether you're at school or visiting home, convenient banking is always within reach.[3]
Shop Securely with PazeSM
PazeSM is fast and easy way to check out online offered by PNC and other participating financial institutions. Paze makes it easy for you to make online purchases without sharing your actual card numbers.[6]
- Features
- Features
Features
A PNC Debit Card and digital features give you more ways
to control and access your money.
Customized PNC Visa® Debit Cards
PNC offers debit card designs for universities and colleges to show your school spirit. Your PNC Visa Debit Card also comes with contactless technology and you can add your card to your mobile wallet for even more convenience.
On Campus or Near Your Home
With access to over 2,000 PNC branches and approximately 60,000 PNC and partner ATMs nationwide, you’re never far from your money. Whether you're at school or visiting home, convenient banking is always within reach.[3]
Shop Securely with PazeSM
PazeSM is fast and easy way to check out online offered by PNC and other participating financial institutions. Paze makes it easy for you to make online purchases without sharing your actual card numbers.[6]
- Features
- Features
- Features
- Features
An Account That Fits Your Life With Less Worries
A low cost account with features designed to grow with you.
Additional Benefits
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.
Ages 14-17
Apply online or schedule an appointment in a branch. Either way, an adult co-applicant is required.
Under 14
Schedule an appointment in a branch to apply with an adult
over 18.
Additional product offerings may be available. Locate a branch.
Know What Information Is Needed
Applicants will need their U.S. issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). If you are 18 years or older you will also need a valid U.S. Driver's license, State ID, passport[9], 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.
Non-U.S. citizens who do not have a Social Security number or an Individual Taxpayer Identification Number can apply in person at a PNC branch and provide:
- A valid passport with a photograph, along with a photocopy of your passport
- A second form of ID, which can be your U.S. student visa or your U.S. student photo ID
PNC Simple Checking has guardrails to help prevent overspending
If your balance isn’t enough, we simply decline the charge and won’t charge you an overdraft fee
There are situations where your account may still become overdrawn. For example, gas stations often pre-authorize a set amount before they know the total, which might be less than what you actually spend. If you spend more than what's available in your account, because the transaction is already authorized, your account will become overdrawn. You still won't be charged a fee in these cases.
