Be intentional with your cash

Position liquidity for everyday needs and future opportunities

A purposeful approach to managing cash

Solutions that balance access, yield, and flexibility to meet your liquidity needs

Everyday Access

Seamlessly move and manage cash with intuitive, always on digital tools

Fee Simplicity

Transparent pricing that helps you control your costs

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Expanded Limits

Higher transaction limits designed to support growing, complex needs

Private Bank Deposit Solutions

Money Market

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Designed for strategic liquidity and reserve balances

  • No monthly service charge
  • Tiered interest rates, with higher balances earning higher rates
  • No wire transfer fees1
  • FDIC‑insured to the maximum permitted by law

Features & Fees

Account Agreement

Checking

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Designed for operating cash and everyday activity

  • No monthly service charge
  • Unlimited free domestic and international wire transfers (incoming and outgoing)
  • Digital and mobile access to support payments, transfers, and ongoing cash flow
  • Interest bearing; FDIC insured to the maximum permitted by law
  • Expanded mobile check deposit, Zelle®, and money movement limits

Features & Fees

Account Agreement

Prefer to discuss your liquidity strategy?

Your advisor can help connect your cash decisions to your broader wealth plan.

FAQ

Applicants must be at least 18 years old and be a U.S. Citizen or U.S. Resident Alien. You'll need a government-issued photo ID (Driver's License, State ID, or Military ID), Social Security Number, date of birth, and U.S. residential address. The application requirements are also outlined before beginning the account opening process.

Yes. Private Bank clients can open both individual and joint Private Bank Checking and Private Bank Money Market accounts through the online application. Joint accounts currently support up to two account owners.

Most clients can complete the application in just a few minutes using a computer, tablet, or mobile device.

To set up direct deposit, provide your employer (or other payer) with your PNC Private Bank checking account and routing numbers so funds can be deposited directly into your account.

Your new account will be immediately available in Online Banking once opened. From there, you can transfer funds from another financial institution or eligible PNC account, deposit checks with Mobile Deposit, send money with Zelle®, initiate wire transfers, or set up direct deposit.