Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and 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.
PNC Student Banking
On Campus
Virtual Wallet Student® covers your banking needs from orientation to graduation.
Virtual Wallet Student®, Designed Uniquely For Students
Checking & savings combined with digital tools to help you manage your money.
No monthly service charge[1] for up to 6 years, plus:
- Track your spending, reserve money for planned expenses, and grow your savings in one digital banking experience
- Overdraft protection & alerts
- Low Cash Mode® in the PNC Mobile app[2] gives you more control when your balance is low[3]
- Zelle® in the PNC Mobile app to send money to people you know and trust[4]
Benefits of Banking at PNC
*Not all schools offer custom debit affinity cards. If your school doesn't have one, you can find other affinity card options for various professional sports teams, military institutions and more here.
Get Started with Virtual Wallet Student
Apply now for Virtual Wallet Student or make an appointment in a branch close to you.
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 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.
Know What Information Is Needed
Applicants will need their Social Security number. If you are 18 years or older you will also need a valid U.S. Driver's license, State ID, 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 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