PNC Bank makes it easy for Penn State students to keep track of their money. PNC offers banking tools designed especially for students. Like Virtual Wallet Student®, which provides checking and savings options you can manage online - or from the palm of your hand.1 You can even
use your id+ card as your ATM card when you link it to your PNC account!2 There's no charge to link and it's easy to do online. To learn more about PNC Bank Virtual Wallet Student,
id+ card linking, and easy ways to keep track of your money, go to pnc.com/psu. Be a smart consumer of financial products ... review the Consumer Financial Protection Bureau's Student Banking Guide for tools and resources on how to make good decisions with your money. The PNC Bank relationship benefits students and the University. The University receives financial support from its relationship with PNC
Bank. Annual financial support from PNC Bank helps to support operating expenses for the id+ card program as well as other University services. Please direct questions about the University's relationship with PNC Bank to the id+ Office. 1A supported mobile device is needed. 2Linking your id+ card to your PNC Bank accounts enables
you to use your id+ card in ATMs only. Your PNC Bank account is a separate account from the Campus Meal Plan and LionCash+ accounts. PNC Bank, NA. Member FDIC.  PNC Virtual Wallet Growth Savings Member FDIC 4.0 /5 NerdWallet ratingAPY 0.01% With $1 min. balance for APY PNC offers two savings options in the Virtual Wallet bundle: Growth and Reserve. For greater returns, savings can be shunted into Growth, a long-term savings account, which can earn a slightly higher rate if you meet other qualifications, such as having five debit card transactions post to the Spend checking account each month, or having $500 in qualifying direct deposits to the Spend account. Customers in certain regions, where Virtual Wallet Checking Pro is available, may earn a higher rate on their Growth accounts. The Reserve account, which didn't factor into our ratings, is meant for short-term savings and earns 0.01% APY, below the national average of 0.17% APY and far below the competitive interest rates you could get with a high-yield savings account. PNC Virtual Wallet Spend Checking Member FDIC 4.0 /5 NerdWallet ratingMonthly fee $7.00 Waived with direct deposit or $500 minimum balance Bonus $400 Requirements to qualify Virtual Wallet Spend, one of PNC’s basic checking accounts, has free mobile banking and online bill pay. If you use a non-PNC ATM, the bank will also reimburse some ATM usage fees, though the machine’s owner could still charge a separate fee. Virtual Wallet Spend has a $7 monthly fee that can be avoided in a few ways, including monthly direct deposits of $500 and average combined balances of $500. The account offers tools that let you schedule bill reminders, track your balance and set up budgets and alerts. PNC CD CD Member FDIC 1.5 /5 NerdWallet ratingPNC's fixed-rate CD yields are low. Other banks and credit unions have lower minimums and much higher yields on CDs. Compare PNC's CD terms with other banks' using our tool. Banking experienceCustomer service representatives are available Monday to Friday from 7 a.m. to 10 p.m. ET and on weekends from 8 a.m. to 5 p.m. ET. Support is also available via live chat and Twitter. PNC Bank earned second place in the 2021 J.D. Power National Banking Satisfaction Study; it performed highest in resolving customer problems, according to the study. The PNC mobile app also earns good ratings: 4.2 stars out of 5 on Android devices and 4.8 stars out of 5 for the iOS version. Overdraft feesPNC Bank has high overdraft fees but it also offers some easy, free ways to avoid them. If a transaction causes your account to go more than $5 negative, the fee is $36 per item and can be charged a maximum of four times per day. But for customers who enroll in PNC's Low Cash Mode program, the maximum goes down to one charge per day. PNC doesn't charge for overdraft transfers if you link an account as a backup. With Low Cash Mode, customers also get a 24-hour grace period to bring negative balances to $0 or higher to avoid overdraft fees. Plus, customers can decide whether certain transactions should be paid or returned to avoid balances going negative, though the bank has the final say on how to handle transactions. The Low Cash Mode program is available with Virtual Wallet accounts. PNC Virtual Wallet Growth Savings Member FDIC 4.0 APY 0.01% With $1 min. balance for APY PNC offers two savings options in the Virtual Wallet bundle: Growth and Reserve. For greater returns, savings can be shunted into Growth, a long-term savings account, which can earn a slightly higher rate if you meet other qualifications, such as having five debit card transactions post to the Spend checking account each month, or having $500 in qualifying direct deposits to the Spend account. Customers in certain regions, where Virtual Wallet Checking Pro is available, may earn a higher rate on their Growth accounts. The Reserve account, which didn't factor into our ratings, is meant for short-term savings and earns 0.01% APY, below the national average of 0.17% APY and far below the competitive interest rates you could get with a high-yield savings account.
PNC Virtual Wallet Spend Checking Member FDIC 4.0 /5 NerdWallet rating
Monthly fee $7.00 Waived with direct deposit or $500 minimum balance Bonus $400 Requirements to qualify Virtual Wallet Spend, one of PNC’s basic checking accounts, has free mobile banking and online bill pay. If you use a non-PNC ATM, the bank will also reimburse some ATM usage fees, though the machine’s owner could still charge a separate fee. Virtual Wallet Spend has a $7 monthly fee that can be avoided in a few ways, including monthly direct deposits of $500 and average combined balances of $500. The account offers tools that let you schedule bill reminders, track your balance and set up budgets and alerts. PNC CD CD Member FDIC 1.5 /5 NerdWallet ratingPNC's fixed-rate CD yields are low. Other banks and credit unions have lower minimums and much higher yields on CDs. Compare PNC's CD terms with other banks' using our tool. Customer service representatives are available Monday to Friday from 7 a.m. to 10 p.m. ET and on weekends from 8 a.m. to 5 p.m. ET. Support is also available via live chat and Twitter. PNC Bank earned second place in the 2021 J.D. Power National Banking Satisfaction Study; it performed highest in resolving customer problems, according to the study. The PNC mobile app also earns good ratings: 4.2 stars out of 5 on Android devices and 4.8 stars out of 5 for the iOS version. PNC Bank has high overdraft fees but it also offers some easy, free ways to avoid them. If a transaction causes your account to go more than $5 negative, the fee is $36 per item and can be charged a maximum of four times per day. But for customers who enroll in PNC's Low Cash Mode program, the maximum goes down to one charge per day. PNC doesn't charge for overdraft transfers if you link an account as a backup. With Low Cash Mode, customers also get a 24-hour grace period to bring negative balances to $0 or higher to avoid overdraft fees. Plus, customers can decide whether certain transactions should be paid or returned to avoid balances going negative, though the bank has the final say on how to handle transactions. The Low Cash Mode program is available with Virtual Wallet accounts. Can I open a bank account online without going to the bank in?Yes, you can open a bank account completely online, without ever going into a bank branch. With a completely online bank or account, you can also do all your account management online.
How much does PNC charge to open an account?The minimum deposit to open for the Standard Savings account is $0 if the account is opened online. The minimum deposit to open for the “S” is for Savings account is $0 if the account is opened online. For current interest rate and Annual Percentage Yield information, call 1-888-PNC-BANK (1-888-762-2265).
What does PNC Bank require to open an account?A valid U.S. address and Social Security number are required. You must be 18 years of age or older and will also need to provide a 2nd form of ID. Currently we can only accept U.S. Driver's Licenses, State Issued ID's, and Miltary ID's online.
Do I need money to open a bank account at PNC?There is no minimum opening deposit if the account is opened online; it's $25 if opened in a branch. The $25 monthly fee is waived if you meet one of these criteria: Monthly direct deposits of $5,000 a month to your Spend account.
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Can i open a bank account online pnc
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