PNC Bank Promotions
Read our in-depth review of PNC Bank to see why PNC Bank scored 3.5 stars out of 5. We like their virtual wallet tools, relatively easy to waive fees, and free student account.
As of October 2026, the best PNC checking account bonus offers $400 Bonus. $100 Bonus is also available for new customers. PNC business checking bonus offers $1,000 Bonus and $400 Bonus.
Virtual Wallet with Performance Select Checking - $400 Bonus
Open a new Virtual Wallet with Performance Select checking account and make qualifying direct deposits totaling $5,000 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
Virtual Wallet Checking - $100 Bonus
Open a new Virtual Wallet checking account and make qualified direct deposits totaling $500 or more within 60 days of account opening. Bonus will be awarded within 60-90 days of meeting the requirements.
High Yield Savings Account - 3.15% APY
- $0 opening deposit
- No fees to open or maintain account
- $1 minimum balance to earn interest
- Only available online in eligible markets or at select PNC locations
Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 or more in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $1,000 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Business Checking Account - $400 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average ledger balance of $2,000 in your new checking account for each of the first three statement cycles. Make at least 10 qualifying transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or have been paid a promotional premium in the past 12 months are not eligible for this offer. $400 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
PNC Bank Promotional CD
| Term | APY |
|---|---|
| 4 Month | 3.50% |
| 7 Month | 3.75% |
| 9 Month | 2.25% |
| 13 Month | 4.25% |
| 19 Month | 2.50% |
| 25 Month | 2.70% |
| 37 Month | 2.80% |
| 61 Month | 3.00% |
Rates are for balances of $1,000 or more. Rates are for Pasadena, California, and may vary per location.
Compare Promotions
HSBC Premier - Up to $3,000
- Get $1,000: Deposit or invest $50,000 to $99,999
- Get $1,500: Deposit or invest $100,000 to $249,999
- Get $2,000: Deposit or invest $250,000 to $499,999
- Get $3,000: Deposit or invest $500,000+
The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).
How the offer works
- Open a Premier checking account by December 31, 2026
- Add your preferred amount of deposits and/or eligible investments within 30 days
- Maintain your balances for 3 full consecutive months
- Remain opted-in to receive HSBC marketing emails
If all offer requirements are met, the bonus will be paid within 8 weeks.
Your partner for every stage of life
We offer a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.
- Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
- Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
- Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
- International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
CIT Bank Platinum Savings - Up to 4.25% APY Boost
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.25%* |
| Balance less than $5,000 | 0.75%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY |
|---|---|
| Balance over $5,000 | 3.75%1 |
| Balance less than $5,000 | 0.25%1 |
- Needs to use promo code to qualify: Boost50
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $175 Bonus
- New Chase checking customers enjoy a $175 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
- $0 Monthly Service Fee for customers age 17-24.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
PNC Bank has 2,200+ branches in 27 states plus D.C., mostly in the East. Checking accounts offer a unique Virtual Wallet feature with financial tools to help achieve goals. Account fees are easily waived by meeting account balance or direct deposit requirements.
Checking Account Bonuses
PNC Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.
- Virtual Wallet with Performance Select Checking:
$400 Bonus - Virtual Wallet Checking:
$100 Bonus - Business Checking Account:
$1,000 Bonus - Business Checking Account:
$400 Bonus
All PNC Bank checking accounts offer free online banking, bill pay, and mobile deposits.
Yes, PNC Bank is a member of the FDIC. All deposit accounts are insured up to $250,000 per depositor, per ownership category. Joint accounts get $500,000 total coverage.
Virtual Wallet Account
This is PNC Bank's signature product. This can be paired with any of PNC Bank's checking accounts. Here are some features:
- Checking & Savings together. You get a primary checking account (Spend), a secondary checking account for short-term planning (Reserve), and long-term savings (Growth) account. These accounts are designed to help achieve your current banking needs and short-term and long-term goals.
- Financial tools. This is the biggest perk of the Virtual Wallet account. There are a variety of financial tools to help you create a budget, keep track of your spending, set up goals, save, get "danger days" alerts, and more.
- Automatic overdraft protection. If you overdraw your Spend account, funds from your Reserve account will automatically be transferred to cover the overdraft. If you need it, your Growth account can serve as your secondary overdraft protection account.
- ATM fee reimbursement. Depending on which Virtual Wallet account you have, you can have some or all of the non-PNC ATM fees reimbursed.
How to Avoid PNC Bank Checking Account Fees
PNC Bank offers these standard checking accounts:
- PNC Simple Checking. The $5 monthly service fee can be waived if you: are under age 25 or 62+, OR have a qualifying direct deposit to your account during the statement period.
- Standard Checking. The $7 monthly service fee can be waived if you: maintain an average monthly balance of $500, OR have qualifying monthly direct deposits of at least $500, OR are age 62 or older.
- Performance Checking. The $15 monthly service fee can be waived if you: maintain an average account balance of $2,000, OR have qualifying monthly direct deposits of at least $2,000 ($1,000 for WorkPlace Banking or Military Banking customers), OR have a combined average monthly balance of at least $10,000 in all linked PNC deposit accounts.
- Performance Select Checking. The $25 monthly service fee can be waived if you: maintain a combined average monthly balance of $5,000, OR have qualifying monthly direct deposits of at least $5,000, OR have a combined average monthly balance of at least $25,000 in all linked PNC deposit accounts and investments.
In addition to standard checking, PNC Bank also offers these Virtual Wallet checking + savings accounts:
- Virtual Wallet. The $7 monthly service fee can be waived if you: maintain a combined average monthly balance of $500 in Spend and/or Reserve, OR have at least $500 in qualifying monthly direct deposits to the Spend, OR are age 62 or older.
- Virtual Wallet with Performance Spend. The $15 monthly service fee can be waived if you: maintain a combined average monthly balance of $2,000 in Spend and/or Reserve, OR have at least $2,000 in qualifying monthly direct deposits to the Spend during the statement period ($1,000 for WorkPlace Banking or Military Banking customers), OR have a combined average balance of at least $10,000 in all linked PNC deposit accounts.
- Virtual Wallet with Performance Select. The $25 monthly service fee can be waived if you: maintain a combined average monthly balance of $5,000 in Spend and up to 7 PNC Bank consumer checking accounts you have chosen to link (including Reserve), OR have at least $5,000 in qualifying monthly direct deposits to the Spend during the statement period, OR have a combined average monthly balance of at least $25,000 in all linked PNC deposit accounts and investments.
- Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old.
- Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits.
- Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments.
- Personal Credit Cards: Automated account information is available 24/7
- Other products & services:
Monday - Friday:
8:00 a.m. - 9:00 p.m. ET
Saturday - Sunday:
8:00 a.m. - 5:00 p.m. ET
Highlights
Up to 3.15% APY. Only available in eligible markets.
0.01% to 4.25% APY. Terms of 7 days to 10 years.
Up to 0.05% APY. Only available in eligible markets.
iOS & Android
approximately 60,000 PNC and partner ATMs
2,300+ locations
Pricing information from published website as of 09/24/2026 based on 91107 zip code.
| ||
| Learn More | Learn More | |
PNC Bank | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | Up to 3.15% APY. Only available in eligible markets. |
|
| CD | 0.01% to 4.25% APY. Terms of 7 days to 10 years. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |
|
|
| Money Market | Up to 0.05% APY. Only available in eligible markets. | |
| Mobile App | ||
| ATMs | approximately 60,000 PNC and partner ATMs | |
| Customer Service |
| Automated service available 24/7 |
| Locations | ||
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. PNC Bank: Pricing information from published website as of 09/24/2026 based on 91107 zip code. Chase: Pricing information and data points from published website as of 09/30/2026. | ||
13-Month CD - 4.25% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
7-Month CD - 3.75% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
7-Month CD - 3.75% APY
APY is for ZIP code 75015, and may vary per location. APY is for balances $1,000 - $9,999.99.
4-Month CD - 3.50% APY
APY is for ZIP code 75015, and may vary per location. APY is for balances $1,000 - $9,999.99.
4-Month CD - 3.50% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
61-Month CD - 3.00% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
37-Month CD - 2.80% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
25-Month CD - 2.70% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
19-Month CD - 2.50% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
9-Month CD - 2.25% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
PNC Bank 12 Month CD - Up to 0.03% APY
PNC Bank 120 Month CD - Up to 0.03% APY
PNC Bank 24 Month CD - Up to 0.03% APY
PNC Bank 3 Month CD - Up to 0.03% APY
PNC Bank 36 Month CD - Up to 0.03% APY
PNC Bank 60 Month CD - Up to 0.03% APY
PNC Bank Standard CD
| Term | APY |
|---|---|
| 1 Month | 0.01 - 0.03% |
| 3 Months | 0.01 - 0.03% |
| 6 Months | 0.01 - 0.03% |
| 12 Months | 0.01 - 0.03% |
| 18 Months | 0.01 - 0.03% |
| 24 Months | 0.01 - 0.03% |
| 36 Months | 0.01 - 0.03% |
| 48 Months | 0.01 - 0.03% |
| 60 Months | 0.01 - 0.03% |
| 84 Months | 0.01 - 0.03% |
| 120 Months | 0.01 - 0.03% |
Rates are for Pasadena, California, and may vary per location.
PNC Standard Savings - Standard Rates
| Balance to Earn Interest | APY |
|---|---|
| $1.00 - $2,499.99 | 0.02% |
| $2,500.00 or more | 0.03% |
PNC Bank Alternatives
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Earn up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Your dedicated banker and a J.P. Morgan Wealth Management advisor work as a team, providing personalized wealth strategies and one-on-one guidance to help plan your future with more confidence. Your team can also connect you to other specialists like a home lending advisor or business relationship manager.
- Your J.P. Morgan advisor builds a custom wealth strategy that changes as you do, providing one-on-one guidance to help you make informed decisions for your future.
- Get the added benefit of 24/7 customer service to help you manage your accounts. Enjoy waived fees on wire transfers and ATM withdrawals worldwide with the advanced security and protection you expect from a global leader.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 3.00% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
Free Checking Account for Small Business Owners
- Sign up in 3 minutes; no credit check
- No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
- Automatic Savings
- Get paid up to 2 days early
- Savings with up to 4.00% APY
Articles on PNC Bank
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Recent Mentions
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Safest Banks in the US
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Best Bank for Small Business
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Best Money Market Rates
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