Money Magazine Best Banks for Students

PNC Student
Banking On Campus

Virtual Wallet Student® covers
your banking needs from
orientation to graduation.

Money Magazine Best Banks for Students

Virtual Wallet Student

A Checking and Savings Account Made for Student Life

Virtual Wallet Student Benefits

Open a new Virtual Wallet Student and get certain benefits for up to six years, including:

  • No monthly service charge.[1]
  • One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event.[2]
  • 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[3] and Online[4] 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.[5]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period.[5]
  • International Services including language interpretation.

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 will convert to Virtual Wallet and be subject to the Virtual Wallet Features and Fees in effect at that time. 

If you transfer to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student and will not be able to transfer back to the Virtual Wallet Student.

Money Magazine Best Banks for Students 2021-2022

Named Best Overall

Best Banks for Students

— Money Magazine, 2021, 2022 & 2023

Benefits of Banking with PNC

Convenient Locations

We're here when you need us. We have branches and ATMs on or near many campuses to ensure you have access to the resources you need to manage your money.

Show Your School Spirit

PNC partners with dozens of colleges and universities to offer a customized debit card showcasing the school's logo and colors. It can be part of your Virtual Wallet Student and used anywhere Visa® is accepted. 

My Finance Academy

With financial tips and resources, My Finance Academy provides financial education and information to help you make good decisions and manage your money while on campus, and beyond.

Low Cash Mode®

Built on patents-pending technology, Low Cash Mode in the PNC Mobile App[3,6] is game-changing tech that can help you avoid overdraft fees and take control when your balance gets low or negative.

PNC Digital Banking

Tools and resources using the latest technology that can help make your banking faster and easier.


Use the PNC Mobile App together with Zelle to quickly send and receive money from people you know and trust with just an email address or U.S. mobile phone number.[7]

Digital Banking

Keep track of your money with our Online and Mobile Banking tools. Virtual Wallet Student is available through our app or on the web from your desktop, tablet or phone.

Security & Privacy

We relentlessly protect your personal information and adhere to strict privacy standards.

Select Your School

Ready to apply online for Virtual Wallet Student? Find your school to get started. 

Select your school to learn more and apply. If you don't see your school, choose "other."