PNC Bank


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PNC Bank has been serving over 8 million consumers and small businesses for more than 170 years, providing various deposit, lending, credit card, cash management, and investment services. With presence across the Mid-Atlantic, Midwest, and Southeast, the bank is constantly working on improving its products and services in order to ensure excellent customer experience, and efficient money management and financial wellness solutions. In order to expand its network, and serve a greater retail banking audience, PNC has invested in digital innovation to provide its products and services outside its existing branch locations. PNC is also one of the leading credit providers to middle market companies across the country. 

PNC Bank's personal checking account offers are designed to simplify people's banking needs. There are 4 checking accounts one can open with PNC Bank, namely:

1. Virtual Wallet Checking Account,

2. Virtual Wallet with Performance Spend Checking Account,

3. Virtual Wallet with Performance Select Checking Account,

4. Virtual Wallet Student Checking Account.

All these checking accounts include unlimited check writing, overdraft protection, free Online and Mobile Banking with Bill Pay, and free eStatements, free access to PNC Bank's ATMs, some out-of-network ATM usage fee reimbursements, Purchase Payback.

What distinguishes PNC Bank's checking accounts from other banks' offers is its unique Virtual Wallet. Virtual Wallet comprises a set of 3 accounts, Spend (a checking account), Reserve (a short-term savings accounts), and Growth (a long-term savings account). There are also many digital money management tools that help PNC Bank's customers keep control of their finances, make financial plans, and perform daily banking tasks at their convenience.

Bank Monthly Service Charge Minimum Deposit to Open APY
PNC Bank Virtual Wallet® with Performance Select Checking Account $25 (can be waived) $25 0.01% / 0.35%
PNC Bank Virtual Wallet® with Performance Spend Checking Account $15 (can be waived) $25 0.01% / 0.10%
PNC Bank Virtual Wallet® Checking Account $7 (can be waived) $25 0.01% / 0.05%
PNC Bank Virtual Wallet® Student Checking Account $0 $25 0.01% / 0.05%