PNC Bank offers a wide range of products and services for both individual and small businesses. They help their clients meet the financial goals they need. Continue reading below to learn more about PNC Bank and how you can join and open an account with them!
How to Open a PNC Bank Account
PNC Bank offers a wide range of options to choose from like traditional checking and savings account to managing your money online with a Virtual Wallet account..
1. Gather Your Personal Information
PNC Bank will need the following documents and information from you in order to meet their account opening requirements:
- Your name
- Legal physical address
- Date of birth
- Social Security number or Taxpayer Identification Number
- Any other information that will allow PNC Bank to verify that you are who you say you are
You’ll might need to bring some identifying documents like your driver’s license or other picture ID.
2. Decide which Bank Account you want to open
If you’re opening a bank account for the first time, you should consider opening a checking account, a savings account or both. A checking account is great for day-to-day purchases, while a savings account earn interest helping you set money aside for when you need it. PNC Bank also has Virtual Wallet options that combines both checking and savings accounts.
Traditional Checking & Savings Accounts
- Performance Select Checking: Get access to PNC Bank’s highest level of benefits and rewards, plus free ATM transactions.
- Performance Checking: Earn interest on balances of $2,000 or more. There are no charges at PNC Bank ATMs and customers can also make use of the unlimited check writing.
- Standard Checking: This is best for people who are looking for a basic account, it comes with a free PNC ATM transaction and cash rewards.
- PNC High-Yield Savings: You can earn a high 2.00% annual percentage yield and you can open your account with any amount.
- Standard Savings: This account lets customers earn interest with a minimum balance of just $1.
Virtual Wallet Accounts
PNC’s Virtual Waller account helps you manage your money with innovative and game changing tools that helps you as an account holder avoid overdrafts fees.Virtual Wallet is both checking and savings, made up of three accounts:
- Spend: Your primary, noninterest-bearing checking account
- Reserve: Interest-bearing checking account for short-term savings
- Growth: Savings account that earns interest for long-term savings
Virtual Wallet offers benefits like:
- Send money with Zelle
- Mobile check deposit
- Free transactions at roughly 9,000 PNC Bank ATMs; certain PNC fees for out-of-network ATM transactions are reimbursed
Earn a 2.15% APY and if you’re eligible you can earn an even higher rate. Plust, eligible customers can also earn cash with PNC Purchase Payback, a customized rewards program based on your spending habits.
Virtual Wallet With Performance Select
- Unlimited check writing
- Overdraft protection
- Earn cash with PNC Purchase Payback
- Discount on check orders
- No charge for cashier’s checks and stop payments
- Free identity theft insurance
- $100 discount on annual rental fee for safe deposit box
- Free domestic wire transfers
Virtual Wallet With Performance Spend
- Unlimited check writing
- Overdraft protection
- Earn cash with PNC Purchase Payback
- Free identity theft insurance
- $10 discount on annual rental fee for safe deposit box
Virtual Wallet
- Unlimited check writing
- Overdraft protection
- Earn cash with PNC Purchase Payback
Virtual Wallet Student
- PNC Bank Visa Debit Card
- Unlimited check writing on your Spend account
- Overdraft protection and coverage options
- One free domestic or international incoming wire transfer per statement period
3. Fill out application online or in person
You can apply online or in-branch to open your first account at PNC Bank. You’ll be required to supply your personal details, including:
- Your name
- Address
- Contact information, including phone number and email address
- Employment information
You will be asked to make your first deposit, and if your account is approved, you’re ready to bank.
If you choose instead to visit one of about 2,400 locations across 21 states and Washington, D.C., bank personnel will be happy to help you open your account. If you have questions, you can call 1-888-PNC-BANK (1-888-762-2265) for assistance.
PNC Bank Checking Account Fees and Features
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PNC Bank Checking Accounts at a Glance |
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| Fees and Features | Performance Select Checking | Performance Checking | Standard Checking |
| Monthly service charge | $25; eligible customers can waive fee | $15 | $7 |
| Minimum deposit to open account | $25 | $25 | $25 |
| ATM fees | $0 at all PNC locations and non-PNC Bank ATMs | $0 at all PNC ATMs; $3 to $5 at all other ATMs | $0 at all PNC ATMs; $3 to $5 at all other ATMs |
| Overdraft fee | $36 | $36 | $36 |
| Early closure fee | $25 | $25 | $25 |
PNC Bank Savings account Fees and Features
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PNC Bank Savings Accounts at a Glance |
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| Fees and Features | PNC High Yield Savings | Standard Savings |
| Minimum deposit to open account | $0 | $25 |
| Monthly service charge | $0 | $5; eligible customers can waive fee |
| ATM fees | $0 at all PNC ATMs; $3 to $5 at all other ATMs | $0 at all PNC ATMs; $3 to $5 at all other ATMs |
| Overdraft fee | $36 | $36 |
| Standard APY | 2.00% | 0.01% |
Virtual Wallet Fees
| Monthly Service Fees for Virtual Wallet Accounts | ||
| Account | Monthly Service Charge | Ways To Avoid the Monthly Fee |
| Virtual Wallet with Performance Select | $25 |
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| Virtual Wallet with Performance Spend | $15 |
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| Virtual Wallet | $7 |
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| Virtual Wallet Student | No monthly service charge for the first six years |
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How to Avoid Unwanted Fees
ATM Fees
Some PNC checking account charge a fee if you use an ATM that is not with PNC Bank. Charge rate chance from $3 to $5 depending on the country where the ATM if located. To avoid this fee is to use a PNC Bank ATM for all your needs.
Overdraft Fees
PNC charges a $36 per item overdraft fee. The best way to avoid being changed is to monitor your account and keep track of your balance, outstanding checks and scheduled bill payments.
Benefits of Having a PNC Bank Account
PNC Bank provides users convenient online banking services. You can expect the following:
- Get notifications on your PNC Bank account through email or text message alerts
- Set-up security alerts to notify you of any fraudulent transactions
- Easily transfer funds between your accounts from your mobile device or computer
- Schedule payments up to one year in advance
- Receive email reminders about payment deadlines
Monitoring and Protecting Your PNC Bank Account
You can protect your account against fraud and identity theft:
- If you receive a call about your account, but aren’t sure if it’s from your bank, make sure to not give your personal information such as your Social Security number or PIN number over the phone.
- Sign up for identity theft protection.
- Notify the bank immediately if you don’t receive a statement on time, if you normally get paper statements in the mail.
- Make sure to review all of you bank statements for all of your accounts
- Check your credit reports annually
- Exercise caution when using Wi-Fi in a public place.
- Keep your passwords, PIN numbers and other personal information secure.
If you think you may have disclosed confidential information or received a fraudulent email, or if you just have questions about online security, you can contact PNC Bank customer service at 1-888-PNC-BANK (1-888-762-2265).
Their customer service representatives are available from 7 a.m. to 10 p.m. (ET) Monday through Friday and from 8 a.m. to 5 p.m. (ET) Saturday and Sunday.
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Author’s Verdict
PNC Bank offers their users a wide range of products like their Virtual Wallet that comes with online account managements tools that are more extensive in comparison to other institutions! You can get the most out of your accounts by finding information on all of PNC Bank’s services at its website.
Learn more about PNC Bank and keep up with the latest promotions from PNC Bank! To get you started, we have a list of the best bank promotions!
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I just want to open a checking and saving account I live and work in Fayetteville Arkansas is there a branch