Visit PNC.com/locator to find a PNC or Partner ATM near you where PNC customers can access money fee-free. Partner ATMs are not owned by PNC and may be limited to cash withdrawal functionality.
Open a Checking Account Online
Find the right account to fit your banking needs.
Open a Checking Account Online
Find the right account to fit your banking needs.
Benefits of Boring Banking
Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC.
Choose Your Checking Account
Choose between PNC Simple Checking or a Virtual Wallet® that includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
Virtual Wallet
Perfect for those comfortable managing their money
- Bundle with a savings and a reserve account for longer term planning
- Additional budgeting tools to track spending and upcoming bills
- Low Cash Mode® to help you avoid overdraft fees[6]
Virtual Wallet with Performance Select
Great for those who want to optimize their financial growth
- All of our Virtual Wallet features
- Highest interest rates on your Growth savings account
- The most fee reimbursements for non-PNC ATMs[1]
Open a Checking Account Online
Find the right account to fit your banking needs.
Choose Your Checking Account
Choose between Simple Checking or Virtual Wallet® that includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
- No overdraft fees
- Access to the PNC Mobile app and Online Banking to help manage your daily banking needs[2]
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.
Exclusive Military Benefits
Enjoy banking benefits available to active-duty service members, veterans, Reserve and National Guard members, and eligible family members. Because your service deserves recognition.
Frequently Asked Questions
Review Features & Fees associated with your checking product
To confirm which Virtual Wallet or other checking product type you have, sign on to PNC Online Banking and view the My Accounts Summary screen.
Direct Deposit allows you to electronically deposit your paycheck, dividend payment, pension or Social Security automatically into your checking account.
In Online Banking, you can order checks and enroll in automatic check reorder.
A checking account is a bank account designed for you to deposit, withdraw or transfer funds day-to-day. You can use it to pay for goods and services in-person and online – you’ll usually have a debit card and the option to order checks.
You’ll have easy access to your funds, be able to receive direct deposits and use digital tools for money management.
Your deposited money is also covered by the Federal Deposit Insurance Corporation (FDIC), up to the maximum amount allowed, to give you security and peace of mind.
Yes, in many cases!
We do require customers under the age of 16 to visit a branch with a parent or legal guardian to apply for a new account.
You may also need to visit a branch to apply for an account if you do not have a social security number.
Typically, you must be at least 18 years old to open a checking account. However, we allow younger people to open an account with the help of a parent or legal guardian.
Learn more about the minimum age to open an account and options for young customers
The minimum balance on a checking account is the smallest dollar amount the owner must keep in the account to receive certain benefits. These benefits may include the waiver of monthly maintenance fees or even the ability to earn some interest on deposited funds.
You can open a PNC checking account online or in person. You’ll need:
- A U.S. government-issued photo ID such as a driver’s license, a non-driving state identification card, a military ID, or a passport.
- Personal information, including Social Security number or Individual Taxpayer Identification Number (ITIN), date of birth, and current residential address.
You may need more information or additional documentation depending on the account type.
Learn more about the general requirements for opening a new checking account
If you’d like to open an account for more than one person to use, make sure that all applicants are present.
You’ll need information for every owner including names, Social Security numbers or Individual Taxpayer Identification Numbers (ITINs), birth dates, phone numbers and mailing addresses – you may also need each applicant’s photo ID.
Insights
Spend
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.
5 min read
Spend
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.
6 min read
Spend
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.
5 min read
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