Best PNC Bank Checking, Savings Account Deals & Bonuses

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PNC Bank App

PNC Bank has a large branch and ATM presence in the Northeast and Midwest -- part of the reason that it is one of the biggest U.S. banks. It offers attractive sign-up bonuses on its checking and savings accounts on a regular basis.

See which PNC Bank deals are being offered now:

PNC Bank Checking Account Bonuses


PNC Bank Virtual Wallet® with Performance Select $300 Bonus

Type Details
Bonus Amount $300
Expiration Date 3/31/2018
Availability Nationwide
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $25
Where to Apply Sign-up page

Open a Virtual Wallet® with Performance Select account and complete the following requirements within the first 60 days of account opening to earn the $300 bonus:

  • Post a total of $5,000 in total qualifying direct deposits
  • Make at least 10 purchases with your PNC debit card

The sign-up bonus will be deposited into your account within 60 days of you meeting the requirements.

This bonus also applies to the regular Performance Select Checking account.

PNC Virtual Wallet® with Performance Select Account Fees

Type Fee
Monthly Maintenance Fee $25
Non-PNC ATM $0
Overdraft Fee $36
Overdraft Protection Transfer Fee $0
Returned Item $36
Stop Payment $0
Deposited Item Returned or Cashed Check Returned $12
Domestic Wire Transfer $0
International Wire Transfer (incoming $15
Money Order $5
Cashiers Check $0

Large Direct Deposits or Balances Help to Waive Monthly Fees

The Virtual Wallet® with Performance Select is a premier checking account that is made up of 3 different accounts -- Spend, Reserve, and Growth. It has a $25 monthly fee, which can be waived when you meet any of the following:

  • $5,000 or more in total, qualifying direct deposits to the Spend, per statement period
  • $5,000 average monthly balance in Spend + Reserve including linked checking accounts
  • $25,000 combined average monthly balance in PNC consumer deposits and/or investments


PNC Bank Virtual Wallet® with Performance Spend $200 Bonus

Type Details
Bonus Amount $200
Expiration Date 3/31/2018
Availability Nationwide
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $25
Where to Apply Sign-up page

Open the Virtual Wallet® with Performance Spend account and meet the following requirements within the first 60 days to earn a $200 bonus:

  • Post a total of $2,000 in total qualifying direct deposits
  • Make at least 10 purchases with your PNC debit card

The sign-up bonus will be deposited into your account within 60 days of you meeting the requirements.

This bonus also applies to the regular Performance Checking account.

PNC Virtual Wallet® with Performance Spend Account Fees

Type Fee
Monthly Maintenance Fee $15
Non-PNC ATM $3 (waived 2 times per statement period)
Overdraft Fee $36
Overdraft Protection Transfer Fee $0
Returned Item $36
Stop Payment $33
Deposited Item Returned or Cashed Check Returned $12
Domestic Wire Transfer (incoming) $15
International Wire Transfer (incoming) $15
Money Order $5
Cashiers Check $0

What You Have to Do to Avoid the Monthly Fees

Virtual Wallet® with Performance Spend is a mid-tier checking account that is made up of 3 different accounts -- Spend, Reserve, and Growth. It has a $25 monthly fee, which can be waived when you meet any of the following:

  • $2,000 or more in total, qualifying direct deposits to the Spend, per statement period
  • $2,000 average monthly balance in Spend + Reserve including linked checking accounts
  • $15,000 combined average monthly balance in PNC consumer deposits and/or investments


PNC Bank Virtual Wallet® $50 Bonus

Type Details
Bonus Amount $50
Expiration Date 3/31/2018
Availability Nationwide
Credit Inquiry Soft Pull
ChexSystems (Banking Report) Inquiry Yes
Minimum Opening Deposit $25
Where to Apply Sign-up page

Open a PNC Virtual Wallet® account and you can earn $50 bonus if you meet these requirements during the first 60 days of having the account:

  • Post a total of $5,000 in total qualifying direct deposits
  • Make at least 10 purchases with your PNC debit card

The sign-up bonus will be deposited into your account within 60 days of you meeting the requirements.

PNC Virtual Wallet® Account Fees

Type Fee
Monthly Maintenance Fee $7
Non-PNC ATM $3
Overdraft Fee $36
Overdraft Protection Transfer Fee $0
Returned Item $36
Stop Payment $33
Deposited Item Returned or Cashed Check Returned $12
Domestic Wire Transfer (incoming) $15
International Wire Transfer (incoming) $15
Money Order $5
Cashiers Check $10

Easy Ways to Avoid Monthly Fees

The Virtual Wallet® account is made up of 3 different accounts -- Spend, Reserve, and Growth -- to help you manage your money better. It has a $7 monthly fee, which can be waived when you meet any of the following:

  • $500 or more in total, qualifying direct deposits to the Spend, per statement period
  • $500 average monthly balance in Spend + Reserve including linked checking accounts
  • With Virtual Wallet Student
  • Accountholder is age 62 or older

Compare to Online Checking Accounts


Taxes Apply at the End of the Year

One of the caveats of qualifying for a big bank account bonus is that you'll have to taxes on it at the end of the year.

PNC Bank will send a Form 1099-INT to let you know that it reported your sign-bonus (in addition to any interest that you earned) to the IRS.

When you file your tax return, expect your tax refund (if you're geting one) to decrease slightly because of owed taxes on the bonus.

More: Best Checking Accounts of the Year

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