The 25-age waiver and/or 62-age waiver will only be applied if the date of birth for the primary or secondary owner(s) on the account meets the age requirement. The date of birth for a fiduciary (i.e. Rep Payee, Trustee) is not eligible for the waiver. If no date of birth is on file, waiver eligibility is based on the date of account opening.
Student Banking Center
The support you can bank on today so you can focus on tomorrow's dreams.
PNC Simple Checking
Helping students build their financial future.
- $0 to open online
- No overdraft fees
- Avoid the monthly service charge if you are under 25 or have any qualifying direct deposit[1,2]
Additional features and benefits
- Enjoy fee-free access to approximately 60,000 PNC and partner ATMs coast to coast[3]
- Customize your debit card with select options including designs for select schools and universities nationwide
- Send money to people you know and trust with Zelle®[4] in the PNC Mobile app[5]
Are you under 25? Enjoy PNC Simple Checking and apply for a Standard Savings account with no monthly service charge.[1]
Additional product offerings may be available. Locate a branch.
Open PNC Simple Checking Today
- What You’ll Need
- On Campus or Near You
- Help for International Students
Apply online for an account today with no minimum deposit to open[6]
Ages 18+
Apply online if you are 18 years or older, have a U.S. issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) and a valid U.S. Driver's license, State ID, passport, or Military ID, and meet additional requirements. An adult co-applicant over 18 is not required.
Ages 14-17
Apply online if you are 14 to 17 years old and have a U.S. issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). An adult co-applicant over 18 is required.
Under 14
or do not have a SSN
If you are under 14 and do not have a U.S. issued Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) and a valid U.S. ID, make an appointment today.
From High School to College, PNC is here to help you
Near Your Home
PNC has 2,200+ locations coast to coast and a nationwide ATM network, so we are there to help at home or away at school.
Near Your College or University
PNC has partnered with select colleges and universities to bring financial solutions directly to students. From on campus branches and ATMs, to school debit card designs and school ID linking; check if PNC is on your campus.
PNC is here to help you focus on your studies while away from home
Preparing For Arrival
Learn how to get started on your banking relationship with PNC when you arrive in the U.S.
Already Arrived
If you have already arrived, make an appointment at your nearest branch to speak with a banker today.
PNC Simple Checking has guardrails to help prevent overspending
If your balance isn’t enough, we simply decline the charge and won’t charge you an overdraft fee
There are situations where your account may still become overdrawn. For example, gas stations often pre-authorize a set amount before they know the total, which might be less than what you actually spend. If you spend more than what's available in your account, because the transaction is already authorized, your account will become overdrawn. You still won't be charged a fee in these cases.
Financial Education
$10,000 Scholarship.
12 Undergraduate or Graduate winners every year. Enter Today.[7]
Student Lending Products
Financing your education can be complicated both before & after graduation. From private student loans to refinancing, PNC has several options to meet your needs.[7]
