Student Banking Center

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

Spotlight Series Featuring: 
Sahirenys Pierce

Whether you’re looking to build your credit, pay off debt, start investing or create a budget you can live with, check out these new videos featuring Sahirenys Pierce.

Watch Now »

 

Money Magazine Best Banks for Students 2021 Award
BEST OVERALL
Banks for Students

A Quick Study on What We Offer

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

Checking & Savings

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

Explore Virtual Wallet Student

Student Loans

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

Explore Student Loan Options

 

Credit Cards

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

Explore Credit Card Options

 

 

 

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. 

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 your balance is negative. 
  • Intelligent Alerts notify you when your Spend account balance drops below your threshold so that you can take action.[6]

Learn more about Low Cash Mode »


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]

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

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

Invest

Financial Advisors for College Students and Graduates

College helps prepare you for your career, but how do you prepare for your financial future? Financial advisors offer insights into managing your money today and tomorrow.

3 min read

Save

How to Save Money on Holiday Shopping and Gift Giving

The holidays are coming, and you’d like to buy wonderful gifts for your friends and family. How can you swing it on a tight budget? Read on.

3 min read

Borrow

What Will Happen if I Don't Pay My Credit Card Bill?

Making timely payments to your credit card accounts is critical to upholding your end of the credit agreement. Here’s what can happen if you don’t pay your credit card bill.

4 min read

Take control and track your expenses using our new
Student Budgeting Calculator!

Knowing where your money stands can empower you to manage your money more wisely and feel confident about your financial well-being.

 

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.

Zelle® »

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]

Explore Zelle

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]

Explore Digital Tools

Security & Privacy »

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

Learn More


Ready to Get Started or Have Questions? We're Here to Help.

 

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.

Explore Student & Graduate Opportunities       Explore Recruiting Events 

 

Important Legal Disclosures and Information

  1. Credit is subject to approval. Certain restrictions and conditions apply.

  2. 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.

  3. Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

  4. 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.

  5. 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.

  6. 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.

  7. Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.  

  8. 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 service mark of The PNC Financial Services Group, Inc.

Virtual Wallet Student is a registered trademark 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.

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.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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. 

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.