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 makes managing your money while you're at school one less thing to worry about.
Named Best Overall
Best Banks for Students
— Money Magazine, 2021, 2022 & 2023
Key Features & Benefits
A Checking and Savings Account Made for Student Life
A digital banking experience to keep your money organized while you're in school.
Stop in today at a location on or near campus - we're here when you need us.
On or near campus ATMs offer convenient access to your money and banking solutions.
- Norse Commons – cash only
- Student Union – Video Banking Machine/PNC Service Center
Stop in or set an appointment
for service, resources or support.
- Cold Spring Branch 3701 Alexandria Pike, Cold Spring, KY 41076
- PNC Bank Service Center, Student Union (Plaza Level -2nd Floor)
Show Your School Pride with a PNC Bank Visa® Affinity Debit Card
Tools & Resources
Tools and resources using the latest technology
that can help make your banking faster and easier.
Whether you're an international student, about to graduate,
just graduated - or you're staff or faculty - we can help.
Ready to Get Started or Have Questions?
We're here to help.
Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft event (Spend account only). Although the fee may be refunded, the transaction will be considered an overdraft occurrence when determining any subsequent overdraft fee. You will be responsible for paying the overdraft balance.
PNC does not charge a fee for the Mobile Banking service. However, a supported mobile device is needed to use Mobile Banking. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage charges that may apply.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Visa® is a registered trademark of Visa International Service Association and used under license.
Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.