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.
- Biomedical Research Building, 421 Curie Boulevard
- Hill College House, 3333 Walnut Street
- Hospital of the University of Pennsylvania
- Houston Hall, 417 Spruce Street
- Johnson Pavilion, 3610 Hamilton Walk
- McClelland Hall, 3700 Spruce Street
- Penn Bookstore, 3601 Walnut Street
- Penn Museum, 3260 South Street
- Public Safety, 4040 Chestnut Street
Stop in or set an appointment
for service, resources or support.
- 40th Street Branch, 200 South 40th Street
- University City Branch, 3535 Market Street
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.
In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.
In exchange for the opportunity to promote its programs to the Penn Community, PNC provides Penn with financial contributions that Penn uses to sustain important student programs and other University initiatives.
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.