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.
Virtual Wallet Student®
Checking and savings combined to cover your banking needs from high school to college.
Digital tools to help manage your money while you're in school
$0 monthly service charge for up to 6 years to help keep your account worry-free[1]
Features
A PNC Debit Card and digital features give you more ways to control and access your money.
PNC Visa® Debit Card
Card offers contactless technology and you can add your card to the mobile wallet of your choice for even more convenience. PNC also offers debit card designs for universities and colleges to show your school spirit.
A Checking & Savings Account Made for Student Life
A digital banking experience to keep your money organized while you're in school.
What You Get
Open a new Virtual Wallet Student and it will include:
- No monthly service charge for 6 years[1]
- One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event on your Spend account[5]
- One incoming domestic or international wire transfer per statement period at no charge
- 2,300+ locations and approximately 60,000 PNC and Partner ATMs from coast to coast[6]
- Spend and Reserve checking with a Growth savings account all together
How Do You Apply?
PNC makes it easy.
Ages 18+
Apply online or schedule an appointment in a branch. An adult co-applicant is not required, but many students still choose to have one.
Ages 14-17
Apply online or schedule an appointment in a branch. Either way, an adult co-applicant is required.
Under 14
Schedule an appointment in a branch to apply with an adult
over 18.
Know What Information Is Needed
Applicants will need their Social Security number. If you are 18 years or older you will also need a valid U.S. Driver's license, State ID, or Military ID for verification.
Additional forms of ID may be accepted when applying in-branch. Contact your local branch if you have questions about acceptable forms of identification.
Non-U.S. citizens who do not have a Social Security number can apply in person at a PNC branch and provide:
- A valid passport with a photograph, along with 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