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.
Student Banking Center
The support you can bank on today so you can focus on tomorrow's dreams.
Virtual Wallet Student®, Designed Uniquely For Students
Checking & savings combined with digital tools to help you manage your money.
No monthly service charge[1] for up to 6 years, plus:
- Track your spending, reserve money for planned expenses, and grow your savings in one digital banking experience
- Overdraft protection & alerts
- Low Cash Mode® in the PNC mobile app[2] gives you more control when your balance is low[3]
- Zelle® in the PNC Mobile app to send money to friends or family[4]
Open Virtual Wallet Student Today
- On Campus or Near You
- What You’ll Need
- Help for International Students
From High School to College, PNC is here to help you
Near Your Home
PNC has 2,300 locations coast to coast and a nationwide ATM network, so we are there to help at home or away at school.
Near Your College or University
PNC has partnered with select colleges and universities to bring financial solutions directly to students. From on campus branches and ATMs, to school debit card designs and school ID linking; check if PNC is on your campus.
Apply for an account today with no minimum deposit to open
Ages 18+
Apply online if you are 18 years or older, have a SSN and valid U.S. Driver's license, State ID, or Military ID, and meet additional requirements. An adult co-applicant over 18 is not required.
Ages 14-17
Apply online if you are 14 to 17 years old and have a SSN. An adult co-applicant over 18 is required.
Under 14
or do not have a SSN
If you are under 14, do not have a Social Security Number, or do not have a valid U.S. ID, make an appointment today.
PNC is here to help you focus on your studies while away from home
Preparing For Arrival
Learn how to get started on your banking relationship with PNC when you arrive in the U.S.
Already Arrived
If you have already arrived, make an appointment at your nearest branch to speak with a banker today.
Financial Education
