• Share details from your existing bank. PNC will review your transaction history to check if you qualify.
• Review the available Virtual Wallet offer and apply.
• If you qualify for the $850 Virtual Wallet Performance Select reward, set up total qualifying direct deposits of $7,500 or more to the Spend account within 60 days.
  • A) Open a new, eligible Virtual Wallet product online via the application links on this page.
  • B) Set up and receive a qualifying direct deposit(s) within the first 60 days.
• The reward will be credited to the eligible account 60–90 days after all conditions have been met and will be identified as “Credits Check Reward” on your monthly statement.

• You will not be eligible for this offer if you or any signer on the new account have an existing PNC Bank consumer checking account, 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 an $850 reward if you open a new Virtual Wallet with Performance Select. If you change your Virtual Wallet product after account opening, the product that you have on the last business day of the month in which you opened your account will determine your offer eligibility, terms, and corresponding reward amount, if applicable.
• Offer is valid 1/6/2026 through 2/26/2026 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.
• To receive the reward:
• A) Open a new, eligible Virtual Wallet product online via the application links on this page. B) 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 $7,500 for Virtual Wallet with Performance Select. 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 will be identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax adviser.

How To Earn Bonus:

• Earn up to $400 when you open and set up a direct deposit to a new PNC Virtual Wallet®
• Virtual Wallet: Earn $100 when you establish total qualifying direct deposits of $500 or more to the new Virtual Wallet
• Virtual Wallet with Performance Spend: Earn $200 when you establish total qualifying direct deposits of $2,000 or more to the new Virtual Wallet with Performance Spend
• Virtual Wallet with Performance Select: Earn $400 when you establish total qualifying direct deposits of $5,000 or more to the new Virtual Wallet with Performance Select

• This offer is contingent on product availability and may vary based on where you open your account and the ZIP Code of your primary address. For online or phone origination, the ZIP Code on your primary address will be used to determine product availability.For origination through a PNC location, product availability will be based on the physical PNC location. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $100 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
• To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page or in a physical PNC location with the coupon from 04/01/2025 through 06/30/2025, and a qualifying direct deposit(s) must be received within the first 60 days. Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account 60–90 days after all conditions have been met and will be identified as “Credits Check Reward” on your monthly statement.
• A qualifying direct deposit for this offer, is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, or Virtual Wallet. 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, $2,000 for Virtual Wallet with Performance Spend 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 physical PNC location or ATM do not qualify as qualifying direct deposits.
• The new account 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 has closed an account within the past 12 months, or if you have been paid 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. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.

• $400 Bonus:
  • Open a new Business Checking or Business Checking Plus account by 3/31/26.
  • For each of the first three statement cycles: maintain a minimum average ledger balance of $2,000 & make at least 10 total qualifying transactions.
  • Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
• $1,000 Bonus:
  • Open a new Treasury Enterprise Plan or Analysis Business Checking account by 3/31/26.
  • For each of the first three statement cycles: maintain a minimum average ledger balance of $30,000.
  • Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.

• Offer only available to businesses with an annual revenue less than $5 million.
• You may earn a $400 reward if you open a new PNC Business Checking or PNC Business Checking Plus account.
• To qualify for the reward, the new checking account must be opened between April 1, 2025 and June 30, 2025, and the following conditions must be met: (a) average ledger balance of $2,000 must be maintained in your new checking account for each of the first three statement cycles, and (b) at least 10 total qualifying transactions must be made within the first three statement cycles. Qualifying transactions include PNC Visa® Business Debit Card purchases; ACH, Wire or Zelle® debits or credits; PNC Online Banking or Bill Pay payments; deposits made using PNC Remote Deposit; electronic deposits of funds from PNC associated with your merchant accounts with PNC Merchant Services Company or Tempus Technologies (including PNC Mobile Accept); checks deposited into or written from your business checking account.
• Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
• Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible.
• Already established, converted or repurposed PNC checking or savings accounts are not eligible.
• If you change your account type after opening, the account type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
• Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle.
• Any combination of qualifying transactions is acceptable but must equal 10 or more within the first three statement cycles.
• New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
• Offers may be extended, modified or discontinued at any time. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.
• Please consult your tax advisor regarding your specific situation.
• Offer only available to businesses with an annual revenue less than $5 million.
• You may earn a $1,000 reward if you open a new PNC Treasury Enterprise Plan or Analysis Business Checking account.
• To qualify for the reward, the new checking account must be opened between April 1, 2025 and June 30, 2025, and an average ledger balance of $30,000 or more must be maintained in your new checking account for each of the first three statement cycles. Only Treasury Enterprise Plan and Analysis Checking master accounts qualify towards the balance requirement for this offer; any funds held in linked beneficiary accounts do not qualify.
• Your new checking account must be open in order for you to receive the reward, which will be credited to the eligible account within 90 days after all conditions have been met and will be identified as “Credits NEW BUS BONUS” on your monthly statement.
• Only business checking accounts with statements that cycle monthly are eligible for this offer. Business checking accounts that receive statements daily, weekly or quarterly are ineligible. Already established, converted or repurposed PNC checking or savings accounts are not eligible. If you change your account type after opening, the account type that you are in on the last business day of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable. Average ledger balance is defined as the average daily total within your business checking account at the end of your statement cycle.
• New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank business checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
• Offers may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.
• Please consult your tax advisor regarding your specific situation.