PNC Student Banking makes managing your money while you're at school one less thing to worry about.

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Money Magazine Best Banks for Students 2021-2022

Named Best Overall

Best Banks for Students

— Money Magazine, 2021, 2022 & 2023

Features & Benefits
What We Offer
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Key Features & Benefits

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.

Find your most convenient location

University Pride

Show your school pride with a customized debit card. Your Virtual Wallet Student® may come with a debit card showcasing your school's logo and colors. 

Learn about what we offer

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.

Explore My Finance Academy

A Checking and Savings Account Made for Student Life

A digital banking experience to keep your money organized while you're in school.

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.

Features and Fees
Account Agreement
Apply for Virtual Wallet Student

Visit Us

Stop in today at a location on or near campus - we're here when you need us.

ATMs

On or near campus ATMs offer convenient access to your money and banking solutions.

  • WMU Bernhard Student Center, main entrance (accepts deposits)
  • Bronco Mall , lower level of WMU Bernhard Student Center (accepts deposits)
  • Parking Services Annex (accepts deposits)
  • Miller Auditorium, near the parking ramp
  • Corner of Gilkinson Avenue & North Dormitory Road, across from the rocks
  • Schneider Hall, Haworth College of Business

Branches

Stop in or set an appointment
for service, resources or support.

  • WMU Bernhard Student Center Branch
    1903 West Michigan Avenue
    Kalamazoo, MI 49008
    (p) 269.376.9490 | (f) 269.376.9582

View our nearest ATMs & Branches

Card Details

Show Your School Pride with a PNC Bank Visa® Affinity Debit Card

Customize your wallet and order a PNC Bank Visa® Affinity Debit card designed just for your school.

If you're an existing PNC debit cardholder, sign on to Online Banking to upgrade to an affinity card. To request a card, visit the "Debit/ATM Card Services" section either in "Account Services" on the "My Accounts Summary" page or within the "Customer Service" tab. Click the image of your school card and click “next” at the bottom of the screen. Read the disclosures and click submit. Your card will arrive in 3 to 5 business days.

Options to Request a Card

Tools & Resources

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

Zelle®

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.[6]

Explore Zelle

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.

Explore Digital Tools

Security & Privacy

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

Learn More about Security & Privacy

Related Resources

Whether you're an international student, about to graduate,
just graduated - or you're staff or faculty - we can help.

Explore Options for International Students

A new school. A new culture. A new way of life. When it comes to banking, where do you begin? PNC has the resources to help you get started.

Explore Options

Career Opportunities for Students & Graduates

We offer summer internships and early career development programs in an effort to grow talent into tomorrow’s workforce.

Explore Student & Graduate Opportunities

Faculty & Staff Benefits

Get money management tools, benefits & more with PNC WorkPlace Banking®. Our unique bank-at-work program helps make your financial life easy.

Explore Faculty & Staff Benefits

Ready to Get Started or Have Questions?

We're here to help.

Let’s Meet

Find a convenient
time to meet with us.

Schedule an Appointment

Visit Us

Find a location and
stop by to see us.

Find an ATM or Branch

Customer Service

Get information about our products, services and FAQs - or give us a call.

Customer Service