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Student Banking in Pennsylvania
Bank smarter with PNC Simple Checking—built for college life on and off campus.
Built for Pennsylvania Students. Backed by PNC.
Managing your money during college shouldn’t be complicated. PNC offers tools, access, and support designed to help Pennsylvania students stay in control—on campus and beyond.
Why Pennsylvania Students Choose PNC Simple Checking
Avoid the Monthly Service Charge if You Are Under 25
or with any qualifying direct deposit
$0 To Open a Checking Account Online
No Overdraft Fees To Trip You Up
If you are 18 or older, a co-applicant is not required. If you are between 14 and 17, a co-applicant is required. If you are under 14 or do not have a social security number, you need to schedule an in-branch appointment with an adult over 18. Locate a branch.
How to Apply
PNC is here to help you focus on your studies while away from home
Under 18 Students:
- U.S. issued Social Security number (SSN)
- An adult co-applicant over 18
18+ Students:
- U.S. issued Social Security number (SSN)
- A Valid U.S. Driver's license, State ID, passport, or Military ID
If you are under 14 or do not have a social security number, you need to schedule an in-branch appointment with an adult over 18. Locate a branch.
Banking Features designed for Pennslyvania Students
Mobile Banking
Check your balance, move money, and manage your account—all in one simple place. Everything stays easy to find, so you can stay on top of your money.
Send Money with Zelle®
Quickly and easily send money to friends, family, and others you know and trust- right from your banking app. With Zelle®, money moves directly between accounts, typically within minutes.
Digital Wallets
Add your debit card to your mobile wallet and pay in stores, in apps, or online—without reaching for your wallet.
Card-Free ATM Access
Need cash but don’t have your card? No problem. Generate a one-time access code in the PNC Mobile app to make ATM transactions at PNC ATMs. This feature is not available at Partner ATMs.
Download the Mobile App to Get Started
PNC Simple Checking has guardrails to help prevent overspending
If your balance isn’t enough, we simply decline the charge and won’t charge you an overdraft fee.
There are situations where your account may still become overdrawn. You still won't be charged a fee in these cases.
For example, gas stations often pre-authorize a set amount before they know the total, which might be less than what you actually spend. If you spend more than what's available in your account, because the transaction is already authorized, your account will become overdrawn.
Banking Solutions for Pennsylvania Students
PNC offers branch and ATM locations throughout Pennsylvania. Select the region closest to your campus to find convenient banking locations nearby.
Serving students in State College, Bloomsburg, Lewisburg, and more.
Serving students in Pittsburgh, Indiana, Slippery Rock and more.
Serving students in Philadelphia, West Chester, Villanova and more.
Serving students in Bethlehem, Easton, Center Valley and more.
Student Resources
Spend
How to Pay Off Student Loans Fast: Key Steps to Escape Debt
Want to pay off student loans fast? Explore actionable steps to reduce interest and escape student debt sooner than you thought possible.
5 min read
Spend
Budgeting your first paycheck: A Step-By-Step Guide To Success
Start budgeting your first paycheck with confidence. Discover practical tips to manage your money wisely and build strong financial habits from day one.
4 min read
Save
Financial Literacy 101: What Every Student Should Know
Smart money habits start with financial literacy. Learn how to budget, manage credit, and build a strong financial foundation for your future.
6 min read
Frequently Asked Questions
PNC was founded in Pittsburgh and serves communities across the Commonwealth. We work with colleges and universities throughout Pennsylvania to provide students with banking solutions, financial education resources, and support throughout their financial journey.
Students can access their money through PNC branches, PNC-owned ATMs, and partner ATMs. In Pennsylvania, we have 243 branches, 1,915 PNC-owned ATMS, and 1,631 partner ATMS- located in convenient spots like Sheetz and Wawa stores.
PNC offers convenient digital banking tools that help students manage their finances wherever they are. Features include mobile banking, account alerts, debit card management, Zelle®, and online account access.
PNC offers articles, tools, calculators, and other financial education resources to help students build money management skills, create budgets, and make informed financial decisions during school and beyond.
All of these great financial education resources can be found on the My Finance Academy page.
PNC supports students with a scholarship opportunity and educational resources. Visit our student banking hub to learn more about the opportunity, eligibility requirements, and application details.
Contact & Next Steps
Ready to Bank Smarter in Pennsylvania? Apply, Call, or Visit a Branch Near Campus
©2026 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC.