Compare PNC Checking Accounts
Please find below checking accounts offered by PNC.
Interest Rate Breakdown
Balance | APY |
---|---|
$0 - $2,000 | 0.00% |
$2,000+ | 0.01% |
- Minimum to Open: $0
Additional Info
- $400 new checking customer offer when you open an account and meet $5,000 or more in qualifying direct deposits within 60 days of account opening.
- Checking & Savings Together. PNC Virtual Wallet® is your gateway to smarter banking and better financial management. Open an account today and help take control of your financial future.
- There are three tiers of PNC Virtual Wallet products and they are all "available as" checking and savings account combos: Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select
- No charge for domestic wires
- 2,200+ locations and approximately 60,000 PNC and Partner ATMs
- Open any Virtual Wallet account with $0 minimum online or $25 minimum in branch.
- *Reimbursed up to $10 at the end of each statement period for other financial institutions’ ATM surcharge fees
- Learn more about the PNC Virtual Wallet® with Performance Select
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Earn $100 when you open & use a New PNC Virtual Wallet by 11/17/2025. Here's how:
- (a) To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page, AND
- (b) A qualifying Direct deposit of $500 must be received within the first 60 days.
- Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account 60–90 days after all conditions have been met and will be identified as Credits Check Reward on your monthly statement.
- PNC customers now have surcharge-free access to nearly 60,000 PNC Bank and PNC partner ATMs across the country.
- Choose Your Virtual Wallet. Virtual Wallet includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
- Open any Virtual Wallet account with $0 minimum online or $25 minimum in branch.
- Learn more about the PNC Virtual Wallet
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Earn $200 when you open & use a Virtual Wallet with Performance Spend by 11/17/2025. Here's how:
- (a) To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page or in a physical PNC location with the coupon, AND
- (b) A qualifying direct deposit(s) must be received within the first 60 days.
- Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account 60–90 days after all conditions have been met and will be identified as "Credits Check Reward" on your monthly statement.
- Open any Virtual Wallet account with $0 minimum online or $25 minimum in branch.
- PNC customers now have surcharge-free access to nearly 60,000 PNC Bank and PNC partner ATMs across the country
- Learn more about the PNC Virtual Wallet® with Performance Spend
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Checking and savings combined to cover your banking needs from high school to college.
- As an active student with Virtual Wallet Student, you’ll have no minimum balance requirement or monthly service charge for 6 years from the date of account opening.
- At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time.
- Reimbursement of the fee for the first 2 domestic or international non-PNC Bank ATM transactions.
- One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event on your Spend account.
- One incoming domestic or international wire transfer per statement period at no charge.
- 2,200+ locations and approximately 60,000 PNC and Partner ATMs from coast to coast
- Learn more about the PNC Virtual Wallet Student
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $100
Additional Info
- Earn a $400 Cash Reward! To qualify for the reward, the new checking account must be opened between July 1, 2025 and September 30, 2025, and the following conditions must be met:
- (a) Average ledger balance of $2,000 must be maintained in your new checking account for each of the first three statement cycles; AND
- (b) At least 10 total qualifying PNC Visa® Business Debit Card transactions must be made within the first three statement cycles.
- Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
- 150 Monthly Transactions at no charge; $0.50 per transaction thereafter.
- $5,000 Monthly Cash Deposit at no charge; $0.30 per $100 thereafter.
- PNC customers now have surcharge-free access to nearly 60,000 PNC Bank and PNC partner ATMs across the country.
- Learn more about the PNC Business Checking
Interest Rate Breakdown
Balance | APY |
---|---|
$0+ | 0.00% |
- Minimum to Open: $100
Additional Info
- Earn a $400 Cash Reward when you open a new Business Checking Plus! To qualify for the reward, the new checking account must be opened between July 1, 2025 and September 30, 2025, and the following conditions must be met:
- (a) Average ledger balance of $2,000 must be maintained in your new checking account for each of the first three statement cycles; AND
- (b) At least 10 total qualifying PNC Visa® Business Debit Card transactions must be made within the first three statement cycles.
- Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
- Monthly Transactions: $0.50 Fee for each additional transaction over 500.
- Monthly Cash Deposits: $0.30 per $100 fee for additional cash deposited over $10,000.
- Non-PNC Bank ATM fee reimbursements 2 per statement period.
- Take advantage of more than 2,600 locations and approximately 60,000 PNC and Partner ATMs Coast to Coast.
- Learn more about the PNC Business Checking Plus
PNC Checking Accounts Reviews
What's Your Rating?
Briana, second booth. Tarence Wright.
What started as my local community bank has morphed into a gigantic conglomerate.
No problem... I just switched to a genuine local bank!
I always highly recommend their Virtual Wallet Account or their Foundation Checking if you need a second chance like I did. PNC is awesome!
Recently, I went to a local branch to cash a check and discovered it was a 'CASHLESS' location. Apparently, ATMs and loans only.
I should have moved my account 2 years ago—I am in the process of doing so now.
PNC Checking Accounts Q&A
Get answers to your questions about PNC Checking Accounts below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
- Most Popular
- Most Upvotes
What's the max you can withdraw from a PNC ATM?
My account is at a negative balance as of today; if I get money in the account by the end of the day, will I be charged a fee?
How often can I withdraw from my growth account?
I just signed up. Is there any way I can change it to a different checking account?
I've been calling PNC and they said it's only $5 at the ATM or 3% when purchasing at a store. Has anyone experienced both fees?
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