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.
Virtual Wallet Checking Pro - $200 Bonus
Open a new Virtual Wallet Checking Pro online. Set up and receive qualifying direct deposits totaling $2,000 or more within 60 days of account opening.
High Yield Savings Account - 4.25% 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
Business Checking Account - $1,000 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $100,000 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 - $500 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average ledger balance of $30,000 - $99,999 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. $500 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 20 qualifying PNC Bank Visa Debit card 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 Virtual Wallet Student
- No monthly fees for students
- $0 opening deposit
- Includes Spend, Reserve, and Growth accounts
- $5 reimbursement of non-PNC ATM surcharge fee per statement period
PNC Bank Promotional CD
| Term | APY |
|---|---|
| 4 Month | 4.30% |
| 7 Month | 4.00% |
| 9 Month | 0.05% |
| 13 Month | 2.00% |
| 19 Month | 1.25% |
| 25 Month | 1.50% |
| 37 Month | 1.75% |
| 61 Month | 2.00% |
Rates are for balances of $1,000 or more. Rates are for Pasadena, California, and may vary per location.
Virtual Wallet Checking Pro
- No monthly fee
- $0 minimum opening deposit
- $20 ATM surcharge fee reimbursement per statement period
PNC Investments Managed Account - Up to $5,000 Bonus
Fund a new or existing PNC Investments Managed Account with eligible assets within 30 days of new account opening or by November 22, 2024 for existing accounts. Maintain the net deposit amount in your PNCI Managed Account for 12 months or more.
| Investment Amount | Bonus |
|---|---|
| $25,000-$49,999 | $125 |
| $50,000-$99,999 | $250 |
| $100,000-$174,999 | $500 |
| $175,000-$249,999 | $1,000 |
| $250,000-$374,999 | $1,500 |
| $375,000-$499,999 | $2,250 |
| $500,000-$749,999 | $3,250 |
| $750,000+ | $5,000 |
Compare Promotions
High-Yield Savings Premier - 4.81% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
Business Checking Account - $400 Bonus
- Earn $400 when you open a new small business checking account and complete qualifying activities.
- Choose between:
- Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
- Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
- New business checking clients only
- From October 1st, 2024 – March 31st 2025
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- 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*
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer 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 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- 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.
PNC Bank has 2,300+ branches in 29 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 Checking Pro:
$200 Bonus - Business Checking Account:
$1,000 Bonus - Business Checking Account:
$500 Bonus - Business Checking Account:
$400 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.
- 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 monthly balance of $500, OR have qualifying monthly direct deposits of at least $500, OR are age 62 or older.
- Performance Spend 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 Student. There is no monthly service fee with proof of active student status for 6 years.
- 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 4.25% APY. Only available in eligible markets.
0.01% to 4.30% 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
approximately 2,300+ locations
Pricing information from published website as of 10/02/2024 based on 91107 zip code.
| ||
| Learn More | Visit Site | |
PNC Bank | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | Up to 4.25% APY. Only available in eligible markets. |
|
| CD | 0.01% to 4.30% 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 | ||
| Learn More | Visit 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 10/02/2024 based on 91107 zip code. Chase: Pricing information and data points from published website as of 09/27/2024. | ||
4-Month CD - 4.30% APY
APY is for ZIP code 75015, and may vary per location. APY is for balances $1,000 - $9,999.99.
4-Month CD - 4.30% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
7-Month CD - 4.00% APY
APY is for ZIP code 75015, and may vary per location. APY is for balances $1,000 - $9,999.99.
7-Month CD - 4.00% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
IRA CD - Up to 4.00% APY
| Terms | APY |
|---|---|
| 7 Months | 4.00% |
| 9 Months | 0.05% |
| 13 Months | 2.00% |
| 17 Months | 1.25% |
| 25 Months | 1.50% |
| 37 Months | 1.75% |
| 61 Months | 2.00% |
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 and more.
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.
61-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.
37-Month CD - 1.75% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
25-Month CD - 1.50% APY
APY is for ZIP code 33134, and may vary per location. APY is for balances $1,000 - $9,999.99.
9-Month CD - 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 Foundation Checking Account
- No minimum opening deposit
- No overdraft fees
- $5 monthly service charge; $0 monthly service charge for clients 62 years old and above or PNC employees
- Monthly service charge on a Standard Savings account is waived for the first 12 months
PNC Standard Savings - Standard Rates
| Balance to Earn Interest | APY |
|---|---|
| $1.00 - $2,499.99 | 0.01% |
| $2,500.00 or more | 0.01% |
PNC Standard Savings - Relationship Rates
| Balance to Earn Interest | APY |
|---|---|
| $1.00 - $2,499.99 | 0.02% |
| $2,500.00 or more | 0.03% |
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 Bank Alternatives
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 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.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer
- The $200 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 12/31/2024.
- To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
- Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit 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
U.S. Bank Smartly® Checking - Up to $400 Bonus
Earn up to $400 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Personal Checking Account - $400 Bonus
Open an eligible Fifth Third checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Articles on PNC Bank
PNC Bank
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PNC Bank Hours
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