*For purposes of the EVERFI/PNC partnership, a teen is defined as a high school student who is 14 – 17 years old.
Money Matters:
A Student’s Guide to a Bright Financial Future
Benefits of Starting Early
PNC in partnership with EVERFI is committed to providing students the right financial education to help them develop practical money management skills that they can apply in the real world.
To put this education into practice, we recommend taking the next step by opening a bank account while in high school. Reasons to consider opening a bank account:
- Establish basic financial skills, including how to budget, make ATM withdrawals, and use a debit or banking card.
- Ability to conveniently direct deposit checks for a summer or part-time job.
- Develop accountability with a parent or guardian co-signer who has the ability to monitor account activity.
Prepare to Bank as a Student
Learn important terms for opening a bank account as a student.
What We Offer
PNC offers banking solutions to support teens* from high school and beyond.
Checking & Savings
PNC's Virtual Wallet Student® is a combined checking and savings account
designed for students age 14 and older.

Benefits
Open a new Virtual Wallet Student and get the following benefits:
- A PNC Bank Visa® Debit Card with optional customization for military, sports teams, universities and more. Explore Custom Debit Cards
- Spend and Reserve checking with a Growth Savings account all together.
- No monthly service charge for six years.[1]
- One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event on your Spend account.[2]
- Free Mobile[3] and Online Banking[4] to manage your money how and when you want.
- Students and parents can sign up to receive account alerts when balances are low.
Benefits of Banking with PNC
Standard Savings
Ready to jump start good saving habits? A PNC Standard Savings Account
makes it easy and convenient to start saving.
Benefits
Open a new Standard Savings Account with the following benefits:
- No monthly service fee or minimum balance if you are under 18 years old.
- No ATM fees at PNC ATMs.
- Unlimited deposits and up to 6 withdrawals per month.[7]
- Auto Savings tool that allows you to establish a recurring savings routine.
- FDIC insured to the maximum permitted by law.
Get Started with Virtual Wallet Student
PNC makes it easy.
Ages 18+
Apply online or schedule an appointment in a branch. An adult co-applicant over 18 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 over 18 is required.
Under 14
Schedule an appointment in a branch to apply with an adult co-applicant 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