Student Banking Center

Helping students and families bank - from college prep to career.

A Checking and Savings Account Made for Student Life

Virtual Wallet Student® is three accounts rolled into one, paired with a suite of digital tools to help you keep track of your money.

Say Goodbye to Surprise Overdraft Fees

Introducing Low Cash Mode® in the PNC Mobile App[2]

Many banks will charge you multiple overdraft fees a day. Others may promise no overdraft fees but will return all items leaving you with unpaid bills. Low Cash Mode gives you more control when your balance is low. 

Built on patents-pending technology, Virtual Wallet’s digital tools now include Low Cash Mode, a new, game-changing tech that helps you avoid overdraft fees and take control when your balance gets low or negative.

  • Extra Time will show you how much time you have left – which will be at least 24 hours – to bring your available Spend account balance to at least zero before you are charged overdraft fees.[3,4]
  • Payment Control gives you the option to choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions)[5], when the available balance in your Spend account is negative. 
  • Intelligent Alerts notify you when your Spend account balance drops below your threshold so that you can take action.[6]

International Students

A new school. A new culture. A new way of life.

When it comes to banking, where do you begin? PNC has the resources to help you get started right.

Explore Options

A Quick Study on What We Offer

Hard-working students deserve an easy-to-use bank.

Student Loans

Loans and refinancing are a requisite for many. We offer a variety of lending solutions to fit your needs.[1]

Credit Cards

We offer great options for credit cards. Learn about using cards responsibly, as well as their benefits and features.

Yes, There's More to Life than Studies

PNC offers more borrowing options and solutions for life outside of school
—from home and auto loans to personal loans and more.[1]

My PNC Finance Academy Logo

Learn about your finances. Develop healthy habits. Make smarter decisions with your money.

Tips & Resources to Help Students Manage Their Money

Estimate College Costs & Set Your Savings Goals

Take Control & Track Your Expenses



How to Stop Spending Money: Top 10 Tips to Stay in Control

In today’s world of one-click purchases and two-day delivery, overspending can sneak up on you. Here’s how to stop spending money so you can reach your financial goals.

2 min read


Master Your Money: Tips from Tiffany Aliche, The Budgetnista

Whether you’re looking to build lifelong wealth or pay this month’s cell phone bill, Tiffany Aliche, author of “Get Good with Money,” has valuable advice to share.

64:10 min video

Savings Strategies

The First Year of College: Budgeting for Students

Learning how to budget as a college student can help you manage your money wisely throughout college and beyond. Take a few minutes now to see how easy it can be to get your money on track.

2 min read

Opportunities for Students

Get a Head Start on Your Career, Now.

We offer great Summer Internships and Development Programs to students and graduates, as well as a myriad of career choices for emerging and experienced professionals.

Does PNC have a partnership with your school?

Take advantage of all the benefits a PNC school relationship may offer. Learn more about our school partnerships. 

Tools & Resources

Tools and resources using the latest technology that can help make your banking
faster and easier.


Use the PNC Mobile App together with Zelle to quickly send and receive money from people you know and trust with just an email address or U.S. mobile phone number.[2,7]

Digital Banking

Keep track of your money with our Online and Mobile Banking tools. Virtual Wallet Student is available through our app or on the web from your desktop, tablet or phone.[2,8]

Security & Privacy

We relentlessly protect your personal information and adhere to strict privacy standards.

Ready to Get Started or Have Questions?

We're Here to Help.


Find answers to your questions and concerns.

Visit Us

Find a PNC location near
you and stop by to see us.

Customer Service

Find answers to frequently asked questions, how-to videos and service phone numbers to assist you.