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PNC Workplace Advantage Offer

Earn up to $400

Plus access banking benefits available through your employer.

Open Your Account

Get More From Your Banking Through PNC Workplace Advantage

Choose the checking account that fits how you manage your money — from straightforward everyday banking to tools that help you plan, save and stay organized.

More Perks

Virtual Wallet

Earn $100 when you establish total qualifying direct deposits of $500 to the Spend account.

Open for Checking & Savings
Apply for Checking Only


Perfect for those comfortable managing their money

  • Bundle with a savings and a reserve account for longer term planning
  • Additional budgeting tools to track spending and upcoming bills
  • Low Cash Mode® to help you avoid overdraft fees.

Monthly service charge: $7 or $0

How to avoid a monthly service charge

Features and Fees
Account Agreement

The Essentials

PNC Simple Checking

Hassle-free banking with fewer fees.

Open Now


Ideal for those new to banking or who want simplicity

  • No overdraft fees
  • Access to the PNC mobile app and online banking manage your daily banking needs
  • No monthly service charge with any qualifying direct deposit, or if you are under 25 or 62+

Monthly service charge: $5 or $0

How to avoid a monthly service charge

Features and Fees
Account Agreement

Most Perks

Virtual Wallet with Performance Select

Earn $400 when you establish total qualifying direct deposits of $5,000 to the Spend account.

Apply for Checking & Savings
Apply for Checking Only


Great for those who want to optimize their financial growth

  • All of our Virtual Wallet features
  • Highest interest rates on your Growth savings account
  • The most fee reimbursements for non-PNC ATMs

Monthly service charge: $25 or $0

How to avoid a monthly service charge

Features and Fees
Account Agreement

Earn Your Checking Bonus

Get rewarded from day one. Follow these simple steps to earn your checking bonus:

1

Open

Open a new checking account on this page or bring your coupon to a PNC Bank Branch to open by 01/7/2027.

2

Set Up Direct Deposit

Receive a qualifying direct deposit(s) in the first 60 days to the Spend account of your new Virtual Wallet.

*$500+ for Virtual Wallet
*$5,000+ for Virtual Wallet with Performance Select

3

Receive Your Reward

Your cash reward will be deposited to your account 60-90 days after conditions have been met.

Already have a PNC checking account?

Set up or redirect your qualifying direct deposit method through your employer to take advantage of PNC TotalRewards benefits.

Set Up Direct Deposit

Exclusive PNC Workplace Advantage Benefits

Thanks to our partnership, you get personalized support, preferred rates and lending discounts.

Personalized Support

Get help making confident financial decisions—wherever you are in your journey.

Financial Education

Build the knowledge to manage your money with greater confidence.

Financial Wellness Achievement Center

Take control of your financial future with tools and guidance at your fingertips.

View the Disclosures

Start at Silver with PNC TotalRewards

You'll become eligible for the Silver Tier of PNC TotalRewards Program when you establish a qualifying direct deposit method with your Qualifying Checking account.

Once you enroll as a Silver Tier member, you'll get a 10% Savings Boost, a 5% Credit Card Bonus, a one-time $200 cash reward on an eligible PNC mortgage, and so much more![7][8][9]