Personal Bank Account
PNC
Bonus
$400
Monthly Fee
$25/mo (waivable)
To Qualify
$5,000 Direct Deposit
Availability
Nationwide
Expires
1/7/2027
Bonus Details
$100 bonus with $500 in qualifying direct deposits ("Virtual Wallet" account type). $400 bonus with $5,000 in qualifying direct deposits ("Virtual Wallet with Performance Select" account type).
How To Qualify
Open a new account and receive qualifying direct deposits within 60 days.
The Fine Print
- Monthly Fees
- $25
- Credit Inquiry
- Soft Pull
- Household Limit
- None
- Account Type
- Personal Bank Account
- Expiration Date
- 1/7/2027
- Additional Requirements
- You or any signer must not have existing PNC consumer checking or have closed an account within the past 12 months. You must not have been a primary signer on a consumer checking account that received a PNC promotional premium within the past 24 months. Keep the account open and remain in the product you opened until you receive the reward.
- Availability
- Nationwide
Monthly Fee Details
- Virtual Wallet with Performance Select: $25/month, waived with $5,000 average monthly balance, $5,000 in qualifying direct deposits, or $25,000 in linked eligible accounts. The fee is waived for the first three statement cycles. - Virtual Wallet: $7/month or $0 with a waiver.
Official offer terms
Source wording for the promotion. View official source Recorded Invalid Date.
You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months.
If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate, and other specialty titled accounts are excluded from this offer.
You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions.
After you open a checking product, you must remain in that product to receive the corresponding reward; changing your checking product after account opening could result in your offer eligibility, terms, and corresponding reward amount changing.
Offer is valid 9/1/2026 through 1/7/2027 and may be extended, modified, or discontinued at any time and may vary by market.
To receive the reward: 1) Open a new, eligible checking product online via the application link on this page or in a physical PNC location. 2) Set up and receive a qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular income electronically deposited by an employer or an outside agency into the Spend account. The total amount of all qualifying direct deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select or $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.
The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as ""CREDITS CHECK REWARD"" your monthly statement. The eligible account must remain open to receive the reward.

