Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. 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. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.
International Students
A new way of life begins as you study abroad in the United States. PNC has the banking resources to help you manage your finances.
Why You Need a United States Bank Account
While in the U.S., you will need to manage your finances efficiently & safely.
What We Offer
PNC offers Virtual Wallet Student® to help make banking easy.
How To Open a United States Bank Account
For International Students
- For U.S. Citizens and/or Resident Aliens
- For Non-U.S. Persons
- What To Do if Approved for Virtual Wallet Student
For U.S. Citizens and/or Resident Aliens
You can apply for a Virtual Wallet Student online or at a PNC branch if you have a Social Security number and one of the following forms of identification:
- A valid state issued driver's license
- A U.S. state-issued ID
- A U.S. military ID
For Non-U.S. Persons
If you do not have a U.S. Social Security number, you must visit a PNC branch to apply in person for a Virtual Wallet Student. You must bring the following two forms of ID with you:
- A valid passport with a photograph. We will also need a photocopy of your passport.
- A second form of ID, which can be your U.S. student visa or your U.S. student photo ID.
You can choose to complete the W8BEN tax form before your appointment or at the branch.
Note: We are unable to accept online applications from non-U.S. persons who do not have a U.S. Social Security Number at this time.
What To Do if Approved for Virtual Wallet Student
Enroll in online banking with:
- Your Social Security number (SSN), Individual Taxpayer Identification Number (ITN), Employer Identification Number (EIN), PNC online and voice banking user ID, or passport number.[5]
- Your PNC account number or personal debit card number.
- Your PNC debit card PIN, online access PIN or a one-time passcode that can be sent to your phone.
Activate your PNC Bank Visa® debit card to use it.
- You should receive your debit card within 10 days of opening your Virtual Wallet Student.
- Create a PIN to make purchases anywhere Visa debit is accepted and access approximately 60,000 PNC and Partner ATMs Coast to Coast.