Virtual Wallet Student® gives you the resources you need to help you keep track of your money.
PNC Student Banking makes managing your money while you're at school one less thing to worry about.
Virtual Wallet Student® gives you the resources you need to help you keep track of your money.
Get your refund in as little as 24 hours!
When you need money fast, go to PNC - we're right on the Towson campus.
Need some in-person assistance?
We have branches nearby.
Excited about college? Just think of it. The lectures. The tradition. The intellectual atmosphere. Oh and the, um…social life. To get the most out of all that excitement, you'll want to make the most of your money. Virtual Wallet Student helps manage life on campus, and your budget, with features that let you bank the way you want to.
When you need money fast, go to PNC. Our nearest branches and ATMs are listed below. You can also use our ATM and Branch Locator to find us no matter where you are, and sometimes banking online or going mobile can be what the situation calls for.
Towson DOC (Disbursement Online Center) is a service that provides fast, convenient processing of student refunds from financial aid and other credits on students' accounts. Towson DOC enables a student to have any refund deposited directly into an existing bank account - no problems with lost checks, changing addresses, or waiting for the mail!
DOC is the fast, free and easy way to get:
Log On > Click Self Service >Student Center > DOC Account Log in (Found under the Finances section)
Comparison of Services
|Direct Deposit to PNC Checking Account||Direct Deposit into Other Checking Account|
|How long until I get my payment?
||24 - 48 hours||48 - 72 hours|
|Is there a fee to use?||No||No|
|How will I know if I'm receiving a payment?||E-mail notification||E-mail notification|
|Is this Environmentally Friendly?||Yes! No stamps, paper, or gas.||Yes! No stamps, paper, or gas.|
Frequently Asked Questions
How will I know when my financial aid or other refund has been directly deposited to my account?
You will receive an email notification to your Towson University email account when the transfer process has begun. Funds will be received 1-10 business days after this message based upon which delivery method you have chosen.
If my permanent address on file is not local, can I update this?
Yes. We recommend signing up for the direct deposit option as it is the fastest way to receive your rebate. However, if you prefer to have a paper check mailed, you may still change the address to which your check is sent. Go to your TU student center page and click "DOC Account Log in". This will direct you to the secure PNC Bank page. Once there, click the "My Profile" tab at the top. You will then see a box showing where your check is currently set to be sent, as well as a clickable link to add an alternate mailing address.
I received a rebate, but my account shows a balance as well as a registration hold. Why?
The Bursar's Office must comply with federal Title IV regulations. This means that we are not able to pay for charges you have been assessed that occur outside of the financial aid year. For this reason it is very important that you check your account status after receiving a rebate, and throughout the term. If your account shows a balance above $200, a registration hold will be placed on your account. This balance will need to be paid prior to registration of the following term that you wish to attend.
I have a credit on my account. My financial aid for the term is comprised of both student loans and parent loans. Will I receive the rebate or will my parent?
It depends on whether your parent, when applying, selected to allow the excess funds from the Plus loan to be forwarded to the student or not.
If your parent selected the option to have the excess funds go to themselves, the Bursar's Office will send the Plus loan rebate via postal mail to the parent borrower's address on file.
If the credit in your account is greater than the entire parent loan amount disbursed, there will be a second rebate sent via DOC for the difference directly to the student.
If the parent applicant selects the option to have the excess funds be given to the student, then your excess plus loan funds will be processed as a normal rebate sent via DOC.
What do the descriptions in my student account activity mean relating to my rebate?
Can I pick up a refund check from the Bursar's Office on campus?
No. PNC Bank will be issuing all student refund checks. Each student is responsible for ensuring that the contact information in Towson DOC is accurate. Select Direct Deposit into your checking account and your refunds will be automatically deposited - this is the fastest way to receive your payments. If no selection is made, a paper check will be mailed to the current address on file.
I’m a parent. Can I get my PLUS refund in another form other than a check?
Not at this time.
What happens if I don't activate my Towson DOC and select my preference for receiving my refunds?
A refund check will be mailed to your permanent mailing address as listed on file with Towson University. For faster receipt of your refund, it is recommended that you sign up for Direct Deposit on Towson DOC.
Who do I call if I have a concern with my refund?
For issues signing in to your DOC account from your student center account, contact the TU Office of Technology Services at 410-704-5151.
For questions about rebate options, addresses rebates are sent, or updating your DOC account, Contact PNC Bank support at 800-745-7577.
For questions about the timing or the amount of your refund, contact the Towson University Bursar's Office at 410-704-2100.
Resources to help you improve your financial IQ.
You’re just getting started in life. You have big dreams for the future, some of which – like a car, a house or more schooling – cost more money than you have right now. Credit is a tool that can help you achieve those financial goals. Learn how to get off on the right foot and make smart choices about credit.
Things happen fast in college. New classes. New friends. New interests and opportunities. That’s all the more reason you may want to think about using a budget. Get practical advice on how to manage your money today, which is an important step to a strong financial future.
Identity Protection 101
Identity theft is a serious crime that can have lasting effects on its victims. And, unfortunately, as a young adult, you may be at a greater risk of ID theft because you have little or no credit history and you may not know how to protect yourself. Discover how identity theft happens, and learn what actions you can take to prevent criminals from assuming your identity.
Planning for College
Making smart decisions before you borrow for college will help you in the future. PNC offers multiple resources for plotting out how you’ll pay for your education.
Tips from Experts
We want you to have the knowledge and confidence to manage your money. That’s why we created PNC Achievement Sessions—a series of practical sessions taught by real-world experts on financial topics that matter to you.
Banking in the US
While in the United States, International Students will need to manage their finances, and a bank checking account helps you do that. This overview defines the types of accounts you can get and how to open them.
We get it. You want them to be independent. But it's always nice to have a lifeline home. Virtual Wallet Student gives your child a quick connection to you, with alerts and features that give you insight into their account while still letting them figure things out on their own.
PNC has banking designed just for students.
Our Virtual Wallet Student provides a banking solution with features like a calendar customized for students, mobile and text banking and much more, students will have a clear view and control of their money.
PNC student accounts are parent-friendly too.
Virtual Wallet Student comes with features like“Reimbursements” which enable your student to send you a receipt of a purchase and ask if you’ll pay. So you can see what that $50 for school supplies really went to! “Parent Alerts” allow you to see the same e-mail notice your student gets when the account balance is getting low.
PNC provides free financial education for students.
Working in conjunction with the University, PNC will schedule financial education seminars on campus to assist students with Banking Basics, Budgeting, Identity Theft, and Protecting their Credit.
PNC provides free incoming wires and a courtesy overdraft waiver.
Student banking also comes with one free incoming wire transfer per monthly billing cycle and a courtesy overdraft fee waiver for the first NSF incident that may occur in the first 12 months after opening a new account. PNC looks at this as a way to educate students
Starting college is daunting enough, even when it's in your home country. Make your transition to the U.S. easy by finding out the essentials of banking here, getting money from home, and keeping track of your heard-earned dollars.
Contact us by phone between the hours of 7:00 a.m. and 10:00 p.m., ET, Monday through Friday and 8:00 a.m. and 5:00 p.m., ET, Saturday and Sunday, at 877-PNC-1000 (877-762-1000), or visit your local PNC Bank branch.
PNC opened a branch on the Morgan State campus. Brian signed up for Virtual Wallet Student and hasn’t looked back. His school-branded account fits in with his own sense of school pride: "I love to showcase my institution. It's like paraphernalia I don't have to pay for!"