PNC product and feature availability varies by location. Foundation Checking may not be available in all states.
PNC Foundation
Checking Account
Help make your financial life stronger.
Features & Benefits
Foundation Checking for strengthening your budgeting and financial needs.
Set Aside Money and Save
As a Foundation Checking customer, the monthly service charge on your Standard Savings account is waived for the first 12 months.
Spend All the Ways You Want
- Zelle®[3] to quickly send and receive money with people you know and trust.
- Contactless Debit Card technology, pay with just a tap.
- Access your money fee-free at nearly 60,000 ATMs across the country as listed on our PNC Locator.[4]
- And much more!
Digital Tools to Help Manage Your Money
Digital tools that help you see what's free to spend, help you budget and reach your financial goals.
- Schedule upcoming payments to budget spending.
- Set up text and email alerts.[5]
- Move money easily between other PNC accounts.
- Foundation Checking
- Set Aside Money and Save
- Spend All the Ways You Want
- Digital Tools to Help Manage Your Money
| Minimum to open |
$0 |
| Monthly service charge |
$5 |
| Monthly service charge for account holders age 62+[6] |
$0 |
| Cashier's Checks |
$0 |
| Overdraft and returned item fee |
$0 |
For meeting National Account Standards, PNC Foundation Checking is certified as a low-cost, low-fee account by Bank On.
Foundations of Money Management
Whether you’re new to banking or looking to expand your financial management skills, a strong foundation can help prepare you for financial well-being.
This short course covers banking basics, managing your accounts, and budgeting – and includes tools and templates you can utilize to help manage your finances.
or bookmark it for later
Digital Banking Tools
Mobile Banking
Check your balance, pay bills, request help and more. Additionally, the PNC Mobile app lets you change your language preference to Spanish.[2]
Get Started
Find a location that is convenient for you.
Insights
Save
Having Fun While Still Saving Money
It can be difficult to balance enjoying your time now and preparing for the future. But with a few small steps, you can get your short-term self to act in ways that support your long-term plans.
3 min read
Save
Strategies for Saving
Thoughtful planning can help you put money away now and develop smart financial habits to carry with you your whole life.
2 min read
Spend
Save Money on Dinner with Friends
How can you get together without breaking your budget? We have a few ideas to help you have fun while still meeting your financial goals.
1 min read