Earn up to $400 when you open and set up a direct deposit to a select new PNC Virtual Wallet® account.

Update 1/30/25: The offer has been extended through 3/31/25. If you live within the PNC Bank footprint and looking to open a new checking account, PNC Bank has great accounts to choose from on top of a generous welcome bonus of up to $400!

Here’s how to earn it:

Earn up to $400 when you open and use a select 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

Table of Contents

PNC Bank Up to $400 Checking Bonuses

What you’ll get: $100 up to $400 bonus
Availability: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, WV
Credit Inquiry: Soft Pull
Credit Card Funding: No – now codes as cash advance
Opening Deposit: $0
Direct Deposit Requirement: Yes
Monthly Fee: $7–$25 waive-able
Household Limit: None
Closing Account Fee: $0

Learn More at PNC Bank

(Expires 03/31/2025)

Fine Print

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 01/03/2025 through 03/31/2025, 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.