Student Banking

PNC can help students at your college or university manage their money - confidently and conveniently.

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Student Banking with PNC

College means new experiences and new responsibilities. PNC can help students at any stage of life learn how to set up a budget, keep their identities safe, and eventually see their money grow.

Our online tools make it easy to safely and securely manage money and pay bills anytime, anywhere with their PC or Smartphone. With our Mobile Deposit feature, students can even deposit their checks from their phones.[1]

Program Features

Our University Banking program also offers:

  • PNC ATMs and offices, located on campus and staffed with on-site representatives as needed
  • A PNC Bank VISA® Debit Card which can be co-branded with your school's logo and image
  • ID card linking to PNC Bank accounts, which offers students the convenience and security of only having to carry one card around campus
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event[2]
  • Language interpretation services in over 240 languages for students from abroad and their families
  • One incoming domestic or international wire transfer per statement period at no charge (Spend account only)

Virtual Wallet® Student

Virtual Wallet Student gives students a convenient, functional and educational platform to learn financial basics while managing their money.

This is much more than just another checking account. Virtual Wallet allows students to track their money with the Spending Zone budget tracker, which categorizes purchases into groups like books, clothing, groceries and gas. Danger DaysSM alert you of a potential overdraft. Students even get access to the Money Bar®, which provides a clear picture of their money. It also allows them to move funds to and from the Reserve and Spend accounts with just a click of the mouse.

Explore Virtual Wallet Student »

Important Legal Disclosures and Information

  1. 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.

  2. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft or Returned Item event. (Spend account only) Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft or NSF fee. You will be responsible for paying the overdraft balance.

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.