Earn $100

when you open and use a new
Virtual Wallet Student®[1]

Offer is only available to students in AL, CO, FL, KY and TX [1]

A Checking and Savings Account Made for Student Life

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

Open a new Virtual Wallet Student and get certain benefits for up to six years, including:

  • No monthly service charge.[2]
  • One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event.[3]
  • 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[4] and Online[5] 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[6]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[6]
  • PNC customers can access their money fee free at approximately 60,000 PNC and partner ATMs nationwide.[7]
Earn $100

when you open and use a new Virtual Wallet Student and make 10 qualifying debit purchases in the first 60 days[1]

Apply Online

Apply from your computer or mobile device. You may need a mobile device with internet access for identification verification. Standard message and data rates may apply.


Email Me

Receive an email reminder to apply later online or to take to a PNC branch.

Features and Fees Account Agreement


Manage Your Money Online & on Your Mobile Device

Digital tools that help you see what’s free to spend, stay on track with your budget & reach your financial goals.

Budget and spend wisely

  • Calendar
  • Money Bar®
  • Spending & Budgets

Know your balance is low

  • Low Cash Mode® 
  • Danger DaySM

Stick to your plan

  • Savings Rules 
  • Savings Goals

Important Legal Disclosures & Information

  1. Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. For online origination, the Zip code of your primary address will be used to determine product availability. For origination through a PNC location, product availability will be based on the physical PNC location. You may earn a $100 reward if you open and use a new Virtual Wallet Student. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.

    This offer can be redeemed in a physical PNC location or online with a zip code in the following states: AL, CO, FL, KY, TX. To qualify for the reward, the new Virtual Wallet Student product must be opened online via the application links on this page and completed with a mobile device or at a physical PNC location between 8/2/2022 to 9/30/2022, and 10 qualifying consumer debit card purchases must be completed from the Spend account within the first 60 days. 

    Your Virtual Wallet Student must remain open in order for you to receive the reward, which will be credited to the Spend account within 60–90 days after all conditions have been met and will be identified as “Credits Check Reward" on your monthly statement.

    A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online using your debit card number, including recurring payments.

    New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate and other specialty titled accounts are excluded from this offer. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.

  2. 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. 

  3. 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.

  4. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  5. 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.

  6. 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.

  7. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

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.

Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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.