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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.

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PNC Bank has 2,600 branches in 19 states mostly on 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.

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 checking account (Spend), a short-term savings (Reserve), and high-interest 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.

  • Earn relationship rates. When you meet certain debit card or direct deposit requirements, you'll earn the higher relationship rate on your Growth account for the following month.

  • ATM fee reimbursement. Depending on which Virtual Wallet account you have, you can have some or all of non-PNC ATM fees reimbursed.

How to Avoid PNC Bank Checking Account Fees

PNC Bank offers these standard checking accounts:

  • Standard Checking. The $7 monthly service fee can be waived if you: maintain an average account balance of $500, OR have combined 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 combined monthly direct deposits of at least $2,000 ($1,000 for WorkPlace Banking or Military Banking customers), OR have a combined balance of at least $10,000 in PNC deposit accounts, loans, and investments.

  • Performance Select Checking. The $25 monthly service fee can be waived if you: maintain an average account balance of $5,000, OR have combined monthly direct deposits of at least $5,000, OR have a combined balance of at least $25,000 in PNC deposit accounts and investments.

In addition to standard checking, PNC Bank also offers these Virtual Wallet checking + savings accounts:

  • Virtual Wallet Checking. The $7 monthly service fee can be waived if you: maintain an average monthly balance of $500 in Spend and Reserve, OR have at least $500 in direct deposits per month to the Spend, OR are a qualified student, OR are age 62 or older.

  • Virtual Wallet with Performance Spend. The $15 monthly service fee can be waived if you: maintain an average monthly balance of $2,000 in Spend and Reserve, OR have at least $2,000 in direct deposits per month to the Spend ($1,000 for WorkPlace Banking or Military Banking customers), OR have a combined balance of at least $10,000 in PNC deposit accounts, loans, and investments.

  • Virtual Wallet with Performance Select. The $25 monthly service fee can be waived if you: maintain an average monthly balance of $5,000 in Spend and Reserve, OR have at least $5,000 in direct deposits per month to the Spend, OR have a combined balance of at least $25,000 in PNC deposit accounts and investments.

  • Virtual Wallet Student. There is no monthly service fee with proof of active student status for 6 years.

Note: Effective 3/17/19: $10,000 combined average monthly balance only across PNC Bank consumer deposit accounts you have chosen to link. Loan and/or PNCI Investment account balances will no longer be included in the combined average monthly balance calculation.

    Highlights

    Savings
    0.01% APY (0.03% APY - 0.05% APY Relationship rates). Minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account.
    CD
    0.04% - 0.40% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
    Money Market
    0.02% - 0.05% APY. Minimum deposit is $100. Maximum deposit is $10,000. Monthly service charge of $12 unless you have $5,000 average monthly balance.
    Customer Service
    Mon-Fri 7:00 am - 10:00 pm, (ET)
    Sat & Sun 8:00 am - 5:00 pm (ET)
    ATMs
    15,000 ATMs across 37 states and the District of Columbia.
    IRA CD
    0.04% - 0.40% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 6 months to 10 years.
    Locations
    2,400 PNC branches across 20 states.

Pricing information from published website as of 06/26/2020 based on 19899 zip code.

 Chase
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PNC Bank

Chase

 

Benefits and Features

Savings0.01% APY (0.03% APY - 0.05% APY Relationship rates). Minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account.Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.04% - 0.40% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money Market0.02% - 0.05% APY. Minimum deposit is $100. Maximum deposit is $10,000. Monthly service charge of $12 unless you have $5,000 average monthly balance. 
Customer ServiceMon-Fri 7:00 am - 10:00 pm, (ET)
Sat & Sun 8:00 am - 5:00 pm (ET)
24/7 by phone
ATMs15,000 ATMs across 37 states and the District of Columbia.Over 16,000 Chase ATMs nationwide
IRA CD0.04% - 0.40% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 6 months to 10 years. 
Locations2,400 PNC branches across 20 states.
Nearly 4,900 branches
 Learn MoreVisit Site

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 06/26/2020 based on 19899 zip code.

Chase: Pricing information from published website as of 7/17/2019


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