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Student Banking Center
Helping students and families bank - from college prep to career.
Named Best Overall
Best Banks for Students
— Money Magazine, 2021, 2022 & 2023
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
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), 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.
A Quick Study on What We Offer
Hard-working students deserve an easy-to-use bank.
Learn about your finances. Develop healthy habits. Make smarter decisions with your money.
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
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
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.
Ready to Get Started or Have Questions?
We're Here to Help.
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.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees. See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
PNC Alerts are free to customers. 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.
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
PNC provides equal opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.