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.
If you're looking for bank promotions, you must check out these offers.
$400
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.
$100
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.
3.25%
High Yield Savings Account - 3.25% 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
Compare Savings Promotions:
PNC Bank Promotional CD
| Term | APY |
|---|---|
| 4 Month | 3.50% |
| 7 Month | 3.30% |
| 9 Month | 0.05% |
| 13 Month | 2.00% |
| 19 Month | 2.10% |
| 25 Month | 2.20% |
| 37 Month | 2.40% |
| 61 Month | 2.60% |
Rates are for balances of $1,000 or more. Rates are for Pasadena, California, and may vary per location.
Compare Promotions
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
CIT Bank Platinum Savings - 4.10% APY Boost
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
With 6 month boost, you earn:
| Tier | Boost APY |
|---|---|
| Balance over $5,000 | 4.10%* |
| Balance less than $5,000 | 0.60%* |
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 |
Disclosures
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℠ - $125 Bonus
- New Chase checking customers enjoy a $125 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.
- Get added features at no additional costs. 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 at no additional cost.
- 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 top-rated online business banking. Take advantage of our #1-ranked online small 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.
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.
PNC Bank Offers for February 2024:
- Virtual Wallet with Performance Select Checking:
$400 Bonus - Virtual Wallet Checking:
$100 Bonus
All PNC Bank checking accounts offer free online banking, bill pay, and mobile deposits.
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
Savings
Up to 3.25% APY. Only available in eligible markets.
Up to 3.25% APY. Only available in eligible markets.
CD
0.01% to 3.50% APY. Terms of 7 days to 10 years.
0.01% to 3.50% APY. Terms of 7 days to 10 years.
Read: 13 Month CD Rates
Compare: PNC Bank vs Capital One
Checking
Compare: PNC Bank vs Bank of America
Money Market
Up to 0.05% APY. Only available in eligible markets.
Up to 0.05% APY. Only available in eligible markets.
Mobile App
iOS & Android
iOS & Android
ATMs
approximately 60,000 PNC and partner ATMs
approximately 60,000 PNC and partner ATMs
Compare: PNC Bank vs Novo
Customer Service
Locations
2,200+ locations
2,200+ locations
Pricing information from published website as of 03/07/2026 based on 91107 zip code.
| ||
| Learn More | Learn More | |
PNC Bank | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | Up to 3.25% APY. Only available in eligible markets. |
|
| CD | 0.01% to 3.50% 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 03/07/2026 based on 91107 zip code. Chase: Pricing information and data points from published website as of 03/18/2026. | ||
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.
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.
7-Month CD - 3.30% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
7-Month CD - 3.30% APY
APY is for ZIP code 75015, and may vary per location. APY is for balances $1,000 - $9,999.99.
IRA CD - Up to 3.30% APY
| Terms | APY |
|---|---|
| 7 Months | 3.30% |
| 9 Months | 0.05% |
| 13 Months | 2.00% |
| 17 Months | 2.10% |
| 25 Months | 2.20% |
| 37 Months | 2.40% |
| 61 Months | 2.60% |
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 and more.
61-Month CD - 2.60% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
37-Month CD - 2.40% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
25-Month CD - 2.20% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
13-Month CD - 2.00% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
9-Month CD - 0.05% 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
- Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile® app.
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.
- Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
- 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: •
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
CIT Bank Platinum Savings - 3.75% APY
- 3.75% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Disclosures
Free Business Checking - Up to 1.3% APY
- 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Articles on PNC Bank
PNC Bank
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Who Owns PNC Bank
Who calls the shots at PNC Bank? It might seem a simple question, but the answers reveal a complex web of subsidiaries and financial powerhouses.
PNC Savings Account Interest Rate
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PNC High Yield Savings
PNC's High Yield Savings account features a strong APY with no required balance. Sounds too good to be true, right? Read on to know all the details.
How to Close a PNC Account
Closing a bank account can be a pain. It's easy to make a mistake. Find out how to properly close your PNC account online, over the phone, or at a branch.
PNC Bank Hours
PNC Bank is open 5-6 days a week, depending on the location. Here's when you can visit a branch near you.
PNC Bank Routing Number
Using the wrong routing number could send your money to the wrong place. Find the right PNC routing number for your transactions.
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