PNC Bank Promotions: $200, $400, $500, $1000 Personal & Business Checking, Referral Offers [Many States]

Find all the latest PNC Bank promotions, bonuses, and offers here.

Update 1/30/25: The up to $400 personal checking bonus has been extended through 3/31/25. The up to $1000 business checking bonus has been extended through 3/31/25. PNC Bank offers generous bonuses and fairly easy to earn! Their accounts are great and will have features and perks that you’ll enjoy!

PNC Bank Review

PNC Bank has been helping their clients meet their financial goals for more than 160 years. They have a longstanding history of serving their customers, communities, and shareholders and have spread to over 20 states and 2,700 bank locations.

PNC Bank Up to $400 Virtual Wallet® Checking Bonus

• Direct Link to Offer
• What you’ll get: Up to $400 bonus
• Availability: Nationwide (Bank Locator)
• Direct deposit requirement: Yes
• Credit Inquiry: Soft Pull
• Monthly fees: $15 or $25, waivable
• Early termination fee: $25 if closed within six months
• How to earn it:
  • Earn up to $400 when you open and set up a direct deposit to a new PNC Virtual Wallet®
  • Virtual Wallet: Earn $100 when you establish total qualifying direct deposits of $500 or more to the new Virtual Wallet
  • Virtual Wallet with Performance Spend: Earn $200 when you establish total qualifying direct deposits of $2,000 or more to the new Virtual Wallet with Performance Spend
  • Virtual Wallet with Performance Select: Earn $400 when you establish total qualifying direct deposits of $5,000 or more to the new Virtual Wallet with Performance Select

(Expires 03/31/2025)

Editor’s Note: Here’s an alternative link to the offer.

Fine Print

• 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.

PNC Bank $400 or $1000 Business Checking Bonus

• What you’ll get: $400 or $1000 bonus
• Availability: Nationwide (Bank Locator)
• Direct Deposit Requirement: No
• Credit Inquiry: Soft Pull via ChexSystems
• Monthly Fee: $10-$20; see below on how to waive the fee
• Early termination fee: None
• How to earn it:
  • $400 Bonus:
    • Open a new PNC Business Checking or PNC Business Checking Plus account by 3/31/25
    • Maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and
    • Make at least 20 total qualifying PNC Bank Visa® Business Debit Card transactions within the first three statement cycles.
  • $1,000 Bonus:
    • Open a new PNC Treasury Enterprise Plan OR Analysis Business Checking account.
      • When you open a new Treasury Enterprise Plan by 3/31/25 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.
      • When you open a new Analysis Business Checking account by 3/31/25 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.

(Expires 03/31/2025)

Editor’s Note: Here’s an alternative link to the offer.

Fine Print

• Offer only available to businesses with an annual revenue less than $5 million.
• You may earn a $400 reward if you open a new PNC Business Checking or PNC Business Checking Plus account.
• To qualify for the reward, the new checking account must be opened between January 1, 2025 and March 31, 2025, and the following conditions must be met: (a) average ledger balance of $2,000 must be maintained in your new checking account for each of the first three statement cycles; and (b) at least 20 total qualifying PNC Visa® Business Debit Card transactions must be made within the first three statement cycles. Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
• Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible.
• Already established, converted or repurposed PNC checking or savings accounts are not eligible.
• If you change your account type after opening, the account 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.
• Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle. A qualifying debit card transaction is defined as any debit card purchase made at point of sale using your signature or PIN; or a purchase made electronically or online using your debit card number, including recurring payments. Any combination of qualifying PNC Visa® Business Debit Card transactions is acceptable but must equal 20 within the first three statement cycles.
• New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
• Offer may be extended, modified or discontinued at any time. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.
• Please consult your tax advisor regarding your specific situation.
• Offer only available to businesses with an annual revenue less than $5 million.
• You may earn a $1,000 reward if you open a new PNC Treasury Enterprise Plan or Analysis Business Checking account.
• To qualify for the reward, the new checking account must be opened between January 1, 2025 and March 31, 2025, and an average ledger balance of $30,000 or more must be maintained in your new checking account for each of the first three statement cycles.
• Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
• Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible. Already established, converted or repurposed PNC checking or savings accounts are not eligible. If you change your account type after opening, the account 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. Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle.
• New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
• Offers may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.
• Please consult your tax advisor regarding your specific situation.

PNC Bank $100 Workplace Referral Bonus

• What you’ll get: $100 bonus
• Availability: (Bank Locator)
• Credit Inquiry: Soft Pull via ChexSystems
• How to earn it:
  • The Refer a Coworker program is open only to customers of PNC WorkPlace Banking in select areas.
    1. Confirm you are a PNC WorkPlace Banking customer.
    2. Identify the coworkers you’d like to refer. Make sure they’re qualified then type in their name and email.
    3. Your Coworker will receive an email with a coupon ID. The email includes your name and will inform your coworker that they may qualify for a special new customer offer.
    4. Your coworker(s) open an eligible account in a branch
    5. If your coworker meets account stipulations, you receive $100 into your PNC WorkPlace Banking checking product

(Limited time offer)

PNC Bank High Yield Savings

PNC Certificate of Deposit (CD) Accounts

A CD is a savings product that includes a pre-determined interest rate over a set term. CDs help to make saving easier if you don’t need immediate access to your money. They usually pay you a higher interest rate than a traditional savings or money market account.

Fixed Rate CD. Plan for the future with a fixed rate of return to help grow and protect your savings

• Benefits
  • FDIC insured to the maximum permitted by law
  • Fixed Rate
  • Wide variety of terms available to meet your needs
  • Automatic renewal
• Requirements
  • Minimum to open $1,000
  • Terms: Range from 7 days to 10 years
  • Withdrawals / Penalties: Early withdrawal penalties apply for balance withdrawn before maturity

Fixed Rate IRA CD. Supplement your retirement savings with a tax-deferred IRA CD account

• Benefits
  • FDIC insured to the maximum permitted by law
  • Fixed Rate
  • Wide variety of terms available to meet your needs
  • Automatic renewal
  • Potential tax savings
  • Supports saving for retirement
• Requirements
  • Minimum to open $250
  • Terms: Range from 6 months to 10 years
  • Withdrawals / Penalties: Early withdrawal penalties apply for balance withdrawn before maturity

Learn more about PNC Bank CD accounts.

• Virtual Wallet has a $7 monthly fee that is waived with:
  • $500 or more average monthly balance in Spend + Reserve
  • OR, $500 or more in total qualifying monthly direct deposits to the Spend
  • OR if 62+ years old
• Virtual Wallet with Performance Spend has a $15 monthly fee that is waived with:
  • $2,000 or more average monthly balance in Spend + Reserve
  • OR, $2,000 or more in total qualifying monthly direct deposits to the Spend
  • OR, $10,000 combined average monthly balance
• Virtual Wallet with Performance Select has a $25 monthly fee that is waived with:
  • $5,000 or more average monthly balance in Spend + Reserve + up to 7 linked checking accounts
  • OR, $5,000 or more in total qualifying monthly direct deposits to the Spend
  • OR, $25,000 combined average monthly balance
• Business Checking: $12 monthly account maintenance fee, unless you meet any ONE of the following requirements:
  • $500 average monthly collected balance
  • OR, Use a linked PNC business credit card to make a minimum of $500 in eligible purchases
  • OR, Maintain an eligible linked PNC Merchant Services^® account and generate a minimum of $500 in qualifying monthly processing deposits
• Business Checking Plus: $22 monthly account maintenance fee, unless you meet any ONE of the following requirements:
  • $5,000 average monthly collected balance OR,
  • Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases OR,
  • Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 in qualifying monthly processing deposits. OR,
  • Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account
• Analysis Business Checking: $25 monthly account maintenance fee. Then, pay per-item-usage fees for the activity levels and services your business actually uses.