IFP

It pays to be boring with your everyday banking.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

Dismiss IFP

IFP

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. Apply online today:

Virtual Wallet

Earn $100

When you establish total qualifying direct deposits of $500 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
Relationship interest rates on your optional Growth account^[2]
Check Rates
$7 monthly service charge, or $0 with $500 in direct deposits to your Spend or a combined balance between
checking accounts^[3]

Features and Fees

Virtual Wallet with Performance Spend

Earn $200

When you establish total qualifying direct deposits of $2,000 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
Reimbursements available for some non-PNC ATM fees^[4]
Higher relationship interest rates on your optional Growth account^[2]
Check Rates
$15 monthly service charge, or $0 with $2,000+ in direct deposits to your Spend or a combined balance between checking accounts^[3],[5]

Features and Fees

Virtual Wallet with Performance Select

Earn $400

When you establish total qualifying direct deposits of $5,000 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
No PNC charges for using other banks' ATMs and increased reimbursements available on other banks' fees^[4]
No charge for domestic wires
Highest relationship interest rates on your optional Growth account^[2]
Check Rates
$25 monthly service charge, or $0 with $5,000+ in direct deposits to your Spend or a combined balance between checking accounts^[3],[5]

Features and Fees

Account Agreement

If you prefer to open this account in a branch, bring this coupon with you to redeem your promotion.

Request a Coupon

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. Apply online today:

Virtual Wallet

Earn $100

When you establish total qualifying direct deposits of
$500 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
Relationship interest rates on your optional Growth account^[2]
Check Rates
$7 monthly service charge, or $0 with $500 in direct deposits to your Spend or a combined balance between
checking accounts^[3]

Features and Fees

Virtual Wallet with Performance Spend

Earn $200

When you establish total qualifying direct deposits of
$2,000 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
Reimbursements available for some non-PNC ATM fees^[4]
Higher relationship interest rates on your optional Growth account^[2]
Check Rates
$15 monthly service charge, or $0 with $2,000+ in direct deposits to your Spend or a combined balance between checking accounts^[3],[5]

Features and Fees

Virtual Wallet with Performance Select

Earn $400

When you establish total qualifying direct deposits of
$5,000 or more to the Spend account^†

Apply Now

Includes:

Digital tools to help manage your spending and save for the future
Mobile banking for when you are on the go
No PNC charges for using other banks' ATMs and increased reimbursements available on other banks' fees^[4]
No charge for domestic wires
Highest relationship interest rates on your optional Growth account^[2]
Check Rates
$25 monthly service charge, or $0 with $5,000+ in direct deposits to your Spend or a combined balance between checking accounts^[3],[5]

Features and Fees

Account Agreement

If you prefer to open this account in a branch, bring this coupon with you to redeem your promotion.

Request a Coupon

How to Earn

Open

Open a new Virtual Wallet on this page or bring your coupon to a PNC Bank Branch to open by 03/31/2025.

Set Up Direct Deposit

Receive a qualifying direct deposit(s) in the first 60 days to the Spend account of your new Virtual Wallet.

_{*$500 or more for Virtual Wallet

*$2,000 or more for Virtual Wallet with Performance Spend

*$5,000 or more for Virtual Wallet with Performance Select}

Receive Your Reward

Your cash reward will be deposited to your Spend account 60-90 days after conditions have been met.

Benefits of Boring Banking

Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[7]

Enroll in security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[1]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[2]

Security & fraud alerts plus easy lock for your debit card provide peace of mind

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

BORING IS THE CATALYST FOR ALL
THE UN-BORING THINGS YOU DO IN LIFE.

Think about it. Boring is smart, steady, dependable. It's not wild or spontaneous. And neither are we. You see, for nearly 160 years, we've been brilliantly boring with your money. The pragmatic, calculated kind of boring. So, you can be happily fulfilled with your life. Which is pretty un-boring, when you think about it.

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IFP

**In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:

Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
(A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

✝This offer is contingent on product availability and may vary based on where you open your account and the ZIP Code of your primary address. For online or phone origination, the ZIP Code on your primary address will be used to determine product availability.For origination through a PNC location, product availability will be based on the physical PNC location. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $100 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.

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 from 01/03/2025 through 03/31/2025, and 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.

A qualifying direct deposit for this offer, is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, or Virtual Wallet. The total amount of all qualifying direct deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a physical PNC location or ATM do not qualify as qualifying direct deposits.

The new account will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 12 months, or if you have been paid a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate and other specialty titled accounts are excluded from this offer. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.
In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:

Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
(A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.
A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. Exclusions apply. See product Features and Fees for more details.
Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

Virtual Wallet with Performance Spend includes reimbursement of the first 2 PNC fees at domestic or international non-PNC ATMs and, up to $5 for other bank's ATM surcharge fees each statement cycle. Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.
For Virtual Wallet with Performance Spend, the $10,000 combined average monthly balance includes all linked PNC consumer accounts. For Virtual Wallet with Performance Select, the $25,000 combined average monthly balance includes all linked PNC consumer and investment accounts. See product Features and Fees for more details.

A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve, may be considered in the combined average monthly balance relationship.

Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. Customer must request account be linked to receive relationship benefits.
Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.

Check Rates

Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.

Brilliantly Boring since 1865 is a service mark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

It pays to be boring with your everyday banking.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

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. Apply online today:

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

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. Apply online today:

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

How to Earn

Open

Set Up Direct Deposit

Receive Your Reward

Benefits of Boring Banking

Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[7]

Enroll in security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[1]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[2]

Security & fraud alerts plus easy lock for your debit card provide peace of mind

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

BORING IS THE CATALYST FOR ALL
THE UN-BORING THINGS YOU DO IN LIFE.

Is This Your Home Zip Code?

SUPPORT

ON THE GO

ABOUT

It pays to be boring with your everyday banking.

Earn up to $400

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet®[1]

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. Apply online today:

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

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. Apply online today:

Virtual Wallet

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select

How to Earn

Open

Set Up Direct Deposit

Receive Your Reward

Benefits of Boring Banking

Checking at PNC comes complete with coast to coast in person and digital ways to access and use your account, all backed by the FDIC

2,000+ locations and approximately 60,000 PNC and Partner ATMs[4]

Zelle®[6], mobile check deposit and online bill pay all from your mobile app[7]

Enroll in security & fraud alerts, plus Easy Lock®[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs[1]

Zelle®[6], mobile check deposit and online bill pay all from your mobile app[2]

Security & fraud alerts plus easy lock for your debit card provide peace of mind

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

BORING IS THE CATALYST FOR ALL THE UN-BORING THINGS YOU DO IN LIFE.

Is This Your Home Zip Code?

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

when you set up a qualifying direct deposit(s) to a new PNC Virtual Wallet^®[1]

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[4]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[7]

Enroll in security & fraud alerts, plus Easy Lock®^[8] if your debit card is misplaced.

2,000+ locations and approximately 60,000 PNC and Partner ATMs^[1]

Zelle^®[6], mobile check deposit and online bill pay all from your mobile app^[2]

BORING IS THE CATALYST FOR ALL
THE UN-BORING THINGS YOU DO IN LIFE.