Military Banking

Offer-Rail-INFP-Prospect

Earn up to $400

when you open and use a select, new Virtual Wallet.^†

Our Commitment

To active military, veterans and your families, we recognize the commitments and sacrifices you and your families make to serve our country, as well as the unique financial challenges you encounter.

We believe in supporting you by helping you take positive steps with your finances through banking benefits and financial expertise and content. In addition, we're committed to making a positive difference within the communities where you live and work.

Sponsor

Guardian Angels Medical Service Dogs, Inc. (2024)

Secretary of Defense Freedom Award

Highest DOD honor for supporting National Guard and Army Reserve employees (2014)*

*Awarded every 10 years

Best Corporations for Veteran Business Enterprise

National Association for Veteran-Owned Businesses (2022)

Top Veteran Friendly Supplier Diversity Program

U.S. Veterans Magazine (2022)

Best of the Best Top Veteran-Friendly Companies

U.S. Veterans Magazine (2023)

Sponsor

Military Child of the Year (2023)

Sponsor of the Year
Secretary of Defense Freedom Award
Best Corporations for Veteran Business Enterprise
Top Veteran Friendly Supplier Diversity Program
Best of the Best Top Veteran-Friendly Companies
Sponsor

INFP Prospect

Checking & Savings Accounts for Military

Virtual Wallet® includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
Apply online today:

Best Value For Military

Virtual Wallet® with Performance Spend

EARN $200

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

Account Benefits:

Reimbursements available for some non-PNC ATM fees.^[1]
Higher relationship interest rates on your Growth account.^[2] Check Rates

Military Benefits:

You may earn a $300 reward when your new PNC Mortgage is funded.^{[*], [3]}
Reduced direct deposit requirement to avoid the monthly service charge. Learn More.

Apply online with an active Military ID or if you have served in the military call or visit us instead to apply.

Monthly service charge: $15/mo. or $0/mo.

How to avoid a monthly service charge

Apply for Checking & Savings

Apply for Checking Only

Features and Fees

Most Perks Overall

Virtual Wallet® with Performance Select

EARN $400

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

Account Benefits:

No PNC fees for using other banks' ATMs and increased reimbursements available on other banks' fees.^[1]
Highest relationship interest rates on your Growth account^[2] Check Rates
No charge for domestic wires.

Military Benefits:

You may earn a $300 reward when your new PNC Mortgage is funded.^[*], [3]

Apply online with an active Military ID or if you have served in the military call or visit us instead to apply.

Monthly service charge: $25/mo. or $0/mo.

How to avoid a monthly service charge

Apply for Checking & Savings

Apply for Checking Only

Features and Fees

Another Option That May Fit Your Needs Without Military Benefits

Virtual Wallet

EARN $100

Our basic checking option that allows you to add savings.

Apply for Checking + Savings

Apply for Checking Only

Monthly service charge: $7/mo. or $0/mo.

How to avoid a monthly service charge

Account Agreement

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

Request a Coupon

With any Virtual Wallet, you can show your pride by choosing any of the Military debit card designs that come free with your account.

An Extra Benefit for Our Military Banking Customers

You may earn a $300 reward when your new PNC Mortgage is funded.^[3]

Learn More About VA Home Loans

Digital Tools That Serve You

Wherever you set up base, PNC's Online and Mobile Banking^[4] help you bank your way.

Transferring Funds

Move your money with ease — to where you need it when you need it. Transfer funds between eligible PNC accounts and external accounts.^[5]

Learn More about PNC Transfers

EasyLock^®

An easy way to help protect your debit or credit card when your card is misplaced. Lock your PNC debit or credit card from your device to prevent it from being used when you're away or at home.^[6]

Learn more about PNC Easy Lock®

Contactless Card

Pay in seconds without swiping or inserting your card. Contactless cards make it fast and easy for you to pay for everyday purchases at merchants around the world.

Learn more about Contactless Payments

Interested in a PNC Visa^® Credit Card?

Earn a reward when you open a new qualifying PNC Visa^® Credit Card and meet all requirements.^*

Learn More

Events

Building Trust: Next Steps in your Ladder of Success with Lieutenant General Leslie C. Smith, Retired

As the first chemical officer to serve as the Army Inspector General, Lieutenant General Leslie C. Smith is widely respected for his approach to leadership rooted in the Army’s core values. Drawing from nearly 40 years of experience leading complex organizations and commanding military operations, Lieutenant General Smith will share what it means to be a fearless and compassionate servant leader. Gain invaluable insights on decision-making, building trust and risk management.

Additional Support

Accessible Banking

We’re committed to empowering customers with disabilities to manage their finances. Refer to the Accessible Banking page for more information.

Learn more about our commitment to Accessible Banking

Military Support

Each year, we collaborate with the Military Warriors Support Foundation to help eliminate the financial burdens often associated with returning to civilian life.

PNC has created a Military Employee Business Resource Group with the goal of increasing awareness of the unique skills veterans bring to the workforce. The group aims to recruit and retain military talent by enhancing that talent through professional development, mentoring and community engagement opportunities.

Mutt Strut

In partnership with Guardian Angels Medical Service Dogs, Inc. PNC sponsors this event, in which we join together with other corporate partners, foundations, and members of the community to help fund the training of medical service dogs for veterans struggling with post-traumatic stress (PTS), traumatic brain injury, and other combat-related injuries.

Learn More

Veteran-Owned Business

Now it’s our turn to be of service to you as you build, maintain or grow a successful Veteran-Owned Small Business. PNC Bank is committed to helping small businesses like yours by providing the tools and resources they need to grow.

Learn More

As a service member, you have certain rights and protections.

The Servicemembers Operations Center (SOC) is the single point of contact for service members requesting Servicemembers Civil Relief Act (SCRA) Program Benefits and/or protections. Recognizing the important contributions that men and women in the Armed Forces make to our society, PNC adheres to the service member eligibility standards and benefits described in the SCRA and similar state laws.

We are committed to providing service members who may be eligible for SCRA and SCRA-like benefits and protections with a simple and user friendly process for inquiring about or requesting SCRA benefits. PLEASE NOTE: The SOC can answer questions about the SCRA, military documentation and status information. They can’t answer questions about specific accounts, products, online banking or debit cards.

Contact the SOC at 1-844-PNC-SCRA (1-844-762-7272).

The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible service members and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you. PNC will apply benefits and protections on eligible accounts, including:

Auto loans
Mortgage and home equity secured loans
Line of credit, credit card and installment loans
Commercial assets where the borrower is eligible for SCRA benefits or the guarantor is eligible for SCRA protection and PNC seeks recovery from the guarantor
Equipment loans and leases
Education loans
Deposit accounts (in limited situations)
Safe deposit boxes (in limited situations)

We want you to receive all the benefits you're eligible for as a service member. If you have orders or other documentation reflecting your service commitment, please send a request to servicemembers@pnc.com in order to receive instructions on how to establish a secure email connection with us before sending military documentation via email. Should you prefer to send documentation with personally identifiable information (like your social security number) another route, it can be faxed to 1-855-568-4532 or mailed to:

Mail:
PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570

For service member eligibility questions:

Call: 1-844-PNC-SCRA (1-844-762-7272)
8:30 a.m. to 4:30 p.m. ET Monday through Friday.

We'll review this information and follow-up with you.

(External) Learn more about SCRA.

SCRA State Laws

Please also be aware that certain states may extend Servicemembers Civil Relief Act (SCRA)-like benefits under state law to service members and their spouses and/or dependents. If you were denied SCRA benefits based on post-service debt or denied spousal/dependent benefits and your state provides additional SCRA-like benefits please call 1-888-PNC-BANK (1-888-762-2265).

The Military Lending Act (MLA) provides certain consumer protections to eligible service members and their dependents. Only certain types of consumer credit are subject to the MLA, including most consumer credit card accounts, unsecured lines of credit, educational loans and unsecured installment loans.

Among the protections afforded by the MLA:

Limits a creditor from imposing a Military Annual Percentage Rate (MAPR) greater than 36%.
Requires creditors to provide certain disclosures.
Prohibits creditors from requiring service members to submit to arbitration.

In accordance with the requirements of the MLA, PNC Bank generally determines borrower eligibility at or about the time of loan, line of credit or credit card account opening based on information available in the database maintained by the Department of Defense. Once PNC Bank determines eligibility, protections are afforded automatically. Service members and/or their dependents are not required to take any action.

If you have questions about protections under the MLA, contact our Servicemember Operations Center (SOC). Contacting the SOC can be accomplished in any of the following ways:

Email: servicemembers@pnc.com

Call: 1-844-PNC-SCRA (1-844-762-7272)
Monday through Friday, 7:00 a.m. to 10:00 p.m., ET.
Saturday and Sunday, 8:00 a.m. to 5:00 p.m., ET.

Fax: 1-855-568-4532

Mail:
PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570

Insights

Employees

A Service Dog Prepares to Retire

PNC’s Mike Clark shares the story of his years with Blade, and how the company helped to facilitate life-changing help through Guardian Angels Medical Service Dogs.

1 min video

Communities

PNC Championship Delivers Much More than Golf

Charitable impact on Orlando’s children and families felt beyond the fairways.

3 min read

Running Your Business

Urban Worm Company: Steve Churchill Continues to Serve by Protecting the Environment

Active Air Force veteran Steve Churchill encourages and facilitates environmental stewardship through his Philadelphia-based business

3 min read

View More Insights

Contact Us

Reach out to get started - we’re here to discuss your unique needs.

Is This Your Home Zip Code?

Please enter a valid USPS zip code.

PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
If your zip code above is incorrect, please enter your home zip code and select submit.

INFP Prospect

✝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.

*Subject to Credit Approval. For details regarding currently available Credit Card products and offer details, visit pnc.com/creditcard, your local PNC branch, or call 877-Call-PNC. Offers may not be available for all credit card products and may be different based on where, how and when you apply. PNC Bank, National Association reserves the right to modify or revoke an offer at any time, without notice or compensation to you.

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.
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.
To qualify for the $300 mortgage account reward, at the time of mortgage funding, the PNC WorkPlace Banking or PNC Military Banking customer must have an eligible PNC WorkPlace Banking or PNC Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Select Checking account or Performance Checking account.

The PNC WorkPlace Banking or PNC Military Banking checking account must remain open in order for you to receive the $300 reward, which will be credited to the eligible checking account within 90 days after conditions have been met and will be identified as "CREDITS MORTGAGE WKP MIL" on your monthly checking account statement.

Offer may be extended, modified, or discontinued at any time. 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.

Terms and conditions of this offer are subject to change without notice.

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
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 limits the number of transfers that may be made from a savings or money market account without incurring a fee. Please see your account agreement and fee schedule for more information.
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.

While purchases, cash advances, and withdrawals are stopped when you lock your debit or credit card, certain transactions will continue, such as transactions identified as recurring by the merchant (both new and previously scheduled), transactions made with other cards linked to a business credit card account, transactions made with other cards linked to your checking/savings account (debit card, banking card and University debit card only), university/college services, including meal plan transactions and dorm access (University debit card only), balance transfers, overdraft protection and payments made to your account (credit card only), reward redemptions, checks, account related fees, interest, dispute adjustments, posting of merchant refunds or other credits to your account, and other exempt transactions.

Also, transactions made and authorized (pending) prior to locking your card will not be blocked.

PNC Cash Unlimited and PNC Cash Rewards are registered marks of The PNC Financial Services Group, Inc.

Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.

Virtual Wallet is a registered 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.

Sign On to Online Banking or select another service

Banking

Borrowing

INVESTING & MANAGING WEALTH

Explore Topics

Popular

Featured

Stay Informed on News and Issues Impacting PNC Customers

Security & Privacy

Support

How Can We Help You

get a clear picture of where you are today and plan for the future you want

Welcome to PNC! How can we help you today?

Sign On to Online Banking or select another service

Military Banking

We're here to support all those who serve and their families with community programs, products and financial insights.

Earn up to $400

Our Commitment

Sponsor

Secretary of Defense Freedom Award

Best Corporations for Veteran Business Enterprise

Top Veteran Friendly Supplier Diversity Program

Best of the Best Top Veteran-Friendly Companies

Sponsor

Checking & Savings Accounts for Military

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® with Performance Spend

Monthly service charge: $15/mo. or $0/mo.

Virtual Wallet® with Performance Select

Monthly service charge: $25/mo. or $0/mo.

Another Option That May Fit Your Needs Without Military Benefits

Virtual Wallet

With any Virtual Wallet, you can show your pride by choosing any of the Military debit card designs that come free with your account.

An Extra Benefit for Our Military Banking Customers

You may earn a $300 reward when your new PNC Mortgage is funded.[3]

Digital Tools That Serve You

Wherever you set up base, PNC's Online and Mobile Banking[4] help you bank your way.

Transferring Funds

EasyLock®

Contactless Card

Interested in a PNC Visa® Credit Card?

Earn a reward when you open a new qualifying PNC Visa® Credit Card and meet all requirements.*

Events

Building Trust: Next Steps in your Ladder of Success with Lieutenant General Leslie C. Smith, Retired

Additional Support

Accessible Banking

Military Support

Mutt Strut

Veteran-Owned Business

As a service member, you have certain rights and protections.

Servicemembers Operations Center (SOC) and Servicemembers Civil Relief Act (SCRA)

Military Lending Act

Insights

Contact Us

Reach out to get started - we’re here to discuss your unique needs.

Call Us

Visit Us

Schedule an Appointment

Is This Your Home Zip Code?

Important Legal Disclosures & Information

Loading Your Page Experience

Enter Your Home Zip Code

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

Virtual Wallet® includes a Spend checking account, with an optional Reserve checking and Growth savings account to help manage your money.
Apply online today:

You may earn a $300 reward when your new PNC Mortgage is funded.^[3]

Wherever you set up base, PNC's Online and Mobile Banking^[4] help you bank your way.

EasyLock^®

Interested in a PNC Visa^® Credit Card?

Earn a reward when you open a new qualifying PNC Visa^® Credit Card and meet all requirements.^*