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Your PNC Simple Checking Guide
Get the most out of your banking experience.
Banking that meets you where you are.
With PNC Simple Checking you get:
- No monthly service charge with any qualifying direct deposit, or if you are under 25 or 62+
- No overdraft fees
- Fee-free ATM Access at PNC ATMs
Start with Online and Mobile Banking
To begin, sign on or enroll in Online Banking. After you enroll in Online Banking, download the PNC Mobile app for banking on-the-go.
Get to know your new account features
Checkout with PazeSM
Learn more about PazeSM. A fast and easy way to check out online with your PNC debit or credit cards.
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Get to know your new account features
Checkout with Paze®
Learn more about Paze®. A fast and easy way to check out online with your PNC debit or credit cards.
Easy ways to add money to your account
Choose the method that works best for you.
- Set up Direct Deposit for your paycheck, pension, or benefits right in the PNC Mobile app. It’s quick and secure. Learn more about how to set up Direct Deposit.
- Deposit checks from your phone using the app. With PNC Express Funds, you can access your money immediately for a fee.
- Deposit checks or cash at any PNC DepositEasySM ATM or at a PNC Branch. Find an ATM or PNC Branch near you.
- Transfer money from another PNC or non-PNC account. Learn more about transferring funds.
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.
Set up Online Bill Pay
Online Bill Pay can be especially helpful when it comes to managing your non-discretionary expenses, like utilities and rent or mortgage payments. You can manage most of your bills in one place and control when payments are made and how much to pay. Available in both Online Banking and the PNC Mobile app.
Get to know your new PNC Bank Visa® Debit Card
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It's totally rewarding to be boring with your money
The more you bank with us, the more your rewards grow. The PNC TotalRewards Program offers interest rate boosts, bonuses,
and more.
PNC Insights
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How Old Do You Have To Be To Open a Bank Account?
You typically have to be at least 18 to open a bank account on your own. However, there are still options for minors. Learn more in this guide from PNC.
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How to Choose a Checking Account
Discover key factors to consider when selecting a checking account. Understand account types, fees, and perks to find the best match for your needs.
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What Is an NSF Fee?
Understand what an NSF fee is, why it occurs, and how it differs from overdraft fees. Learn practical steps to avoid charges and protect your finances.
Build a strong financial future
Need more help?
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