Take advantage of PNC Bank Promotions, Bonuses, and Offers here.
Update 5/8/25: The up to $400 personal checking bonus is available through 6/30/25. The up to $1000 business checking bonus available through 6/30/25. PNC Bank offers generous bonuses and fairly easy to earn! Their accounts are great and will have features and perks that you’ll enjoy!
About PNC Bank Promotions
PNC Bank opened its doors officially in 1852 and has grown to over 2,300 branches across 29 states and D.C.
PNC Bank offers various banking services including investment, checking, savings, and CD Rates for you to take advantage of.
I’ll review the PNC Bank Promotions below.
PNC Bank Up to $400 Virtual Wallet® Checking Bonus
PNC Bank is offering you a chance to earn up to a $400 bonus when you open up a PNC Bank Virtual Wallet® checking account.
What you’ll get: Up to $400 bonus- Account Type: Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
- Availability: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, WV
- Direct Deposit Requirement: Yes, $500 – $5000 (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Now codes as cash advance
- Monthly Fee: $7-$25; waivable
- Early account termination fee: $0
- Household Limit: None listed
(Expires 06/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
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.
PNC Bank $400 or $1,000 Business Checking Bonus
PNC Bank is offering new customers to take advantage of a $400 or $1,000 bonus with a new qualifying PNC Business Checking Account.
- What you’ll get: Up to $1,000 bonus
- Account Type: Business Checking
- Availability: AL, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI, WV
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: No – Now codes as cash advance
- Monthly Fee: $12 to $50; waive-able
- Closing Account Fee: $0
- Household Limit: None listed
(Expires 06/30/2025)
Editor’s Note: Here’s an alternative link to the offer.
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How To Earn Bonus
TAKE ADVANTAGE OF THE BONUSFINE PRINT
- $400 Bonus:
- Open a new PNC Business Checking or PNC Business Checking Plus account
- When you open a new Business Checking account by 6/30/25 and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 10 total qualifying transactions within the first three statement cycles.
- When you open a new Business Checking Plus account by 6/30/25 and maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 10 total qualifying transactions within the first three statement cycles.
- Open a new PNC Business Checking or PNC Business Checking Plus account
- $1,000 Bonus:
- Open a new PNC Treasury Enterprise Plan OR Analysis Business Checking account.
- When you open a new Treasury Enterprise Plan by 6/30/25 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.
- When you open a new Analysis Business Checking account by 6/30/25 and maintain a minimum average ledger balance of $30,000 for each of the first three statement cycles.
- Open a new PNC Treasury Enterprise Plan OR Analysis Business Checking account.
- 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.
PNC Certificate of Deposit (CD) Accounts
A CD is a savings product that includes a pre-determined interest rate over a set term. CDs help to make saving easier if you don’t need immediate access to your money. They usually pay you a higher interest rate than a traditional savings or money market account.
Fixed Rate CD. Plan for the future with a fixed rate of return to help grow and protect your savings
- Benefits
- FDIC insured to the maximum permitted by law
- Fixed Rate
- Wide variety of terms available to meet your needs
- Automatic renewal
- Requirements
- Minimum to open $1,000
- Terms: Range from 7 days to 10 years
- Withdrawals / Penalties: Early withdrawal penalties apply for balance withdrawn before maturity
Fixed Rate IRA CD. Supplement your retirement savings with a tax-deferred IRA CD account
- Benefits
- FDIC insured to the maximum permitted by law
- Fixed Rate
- Wide variety of terms available to meet your needs
- Automatic renewal
- Potential tax savings
- Supports saving for retirement
- Requirements
- Minimum to open $250
- Terms: Range from 6 months to 10 years
- Withdrawals / Penalties: Early withdrawal penalties apply for balance withdrawn before maturity
Learn more about PNC Bank CD accounts.
| Alliant Credit Union 12-Month Certificate (4.05% APY) | Quontic Bank CD (Up to 4.25% APY) |
| Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
| Ponce Bank 3-Month CD (4.25% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
| Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.15% APY) |
How To Waive Monthly Fees
- Virtual Wallet has a $7 monthly fee that is waived with:
- $500 or more average monthly balance in Spend + Reserve
- OR, $500 or more in total qualifying monthly direct deposits to the Spend
- OR if 62+ years old
- Virtual Wallet with Performance Spend has a $15 monthly fee that is waived with:
- $2,000 or more average monthly balance in Spend + Reserve
- OR, $2,000 or more in total qualifying monthly direct deposits to the Spend
- OR, $10,000 combined average monthly balance
- Virtual Wallet with Performance Select has a $25 monthly fee that is waived with:
- $5,000 or more average monthly balance in Spend + Reserve + up to 7 linked checking accounts
- OR, $5,000 or more in total qualifying monthly direct deposits to the Spend
- OR, $25,000 combined average monthly balance
- Business Checking: $12 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $500 average monthly collected balance
- OR, Use a linked PNC business credit card to make a minimum of $500 in eligible purchases
- OR, Maintain an eligible linked PNC Merchant Services® account and generate a minimum of $500 in qualifying monthly processing deposits
- Business Checking Plus: $22 monthly account maintenance fee, unless you meet any ONE of the following requirements:
- $5,000 average monthly collected balance OR,
- Use a linked PNC business credit card to make a minimum of $5,000 in eligible purchases OR,
- Maintain a linked PNC Merchant Services® account and generate a minimum of $5,000 in qualifying monthly processing deposits. OR,
- Maintain $20,000 average combined collected balance in a linked PNC business checking account and business money market account
- Analysis Business Checking: $25 monthly account maintenance fee. Then, pay per-item-usage fees for the activity levels and services your business actually uses.
Bottom Line
Current PNC Bank Promotions offers various bonuses depending on what you sign-up for.
Compare these banking promotions from PNC Bank with institutions like U.S. Bank, Citi, Huntington, HSBC, Chase, TD Bank, Discover Bank, Aspiration, Axos Bank, BMO, SoFi, and more!
*We will continue to add to this review for more up to date and current promotions, bonuses, and offers.
I actually spoke with a live rep on the phone. Being I’m from MO I only qualify for the $50?! Easy though. I’m 62- zero balance.
I am pretty sure I opene dthe account with $400 promo but only received $50! Upon checking with customer service rep, they said I opened an incorrect account to receive $400! I closed the account right there as I felt like being cheated! (Agent also mentioned closing the account will not impact the $50 received even if its just been 1 month since credit was received.
Wish it didnt go this way.
Did you get any resolution?
I am having the same issue with PNC. I was looking for the $400 promo money. They wanted to know the code that I signed up with back in Nov ’21. They told me there isn’t a code associated with my account. I will receive a call back next week.
Hi Danny Nguyen,
PNC is a bad bank. I never had any issue with any other bank link direct deposit to qualify for any advertised Cash promotion offer.
After I did all the step with PNC, PNC refused to pay cash promotion $ from Bank of America EDD. They said on their system it show up as transfer.
I just want everyone to be aware this issue, report this Unfair Competition (legal term) to Consumer Fiancial Burreau (855-411-2372).
As a group we can rectify it …
ok I am trying to make some fast money doing this I have about 1000$ and was going to open some accounts to make money i spent on Christmas and was hope i could get some help ,as I have lost alot of money being scamed this year and want to start a better year this year .
Read the requirements; Direct Deposit(?), Use E-pay(?), Set up On-line Statements(?), etc. Danny gives a very good basic overview, then go on to the bank’s web site and read the fine print. It will tell you what is required, how long to do it, and if there is a monthly fee that can be waived. I have been surprised to find that the bank associates themselves often don’t know the details of the offer you want to take advantage of. There is money to be made and it is not illegal, immoral or unethical!!! We have made another $1,200 this year, so far, and will bring in another $1,150 by the end of the year. I keep records of the banks that I have opened accounts with, along with when they were closed. Most banks will not allow you to open an account, for another bonus, unless your previous one has been closed for 1 year. Some banks are starting to say 2 years, one bank even said 3 years. I’ve been able to use 8 different banks, one of them twice, for their bonuses! Thanks Danny!
This takes a little time and effort, but it’s worth it to me! Thank you Danny, your site was the first one I saw at the end of 2018. Since then, my husband and I have picked up about $1,500 and my son another $200. I’m loving it!
I want to earn $50 Checking Bonus. This article is a big help for me. I think that with the help of this article. I will be able to do it. Thanks for sharing this very helpful site.
Thanks for sharing this article. I want to earn my $300 checking bonus. This article will surely help me. This is very comprehensive. I’ll surely return to this article.
Opened an account in June of 2019 had direct deposit started. Still have not received the bonus.
Thanks for sharing this article about PNC Bank Promotions September 2019. I think that this article will definitely help me. I’ll try to earn my $300 bonus. This is a very helpful site.
Great article! I think that PNC Bank is a great financing partner. This article definitely help me to understand PNC Bank well. Thanks for sharing this article.
I had this same questions so I called the bank. I was told there was a $25 fee if you close the account before it’s been opened a year.
Thanks, but where’s the savings offer?
Does the account need to remain open for any set period of time to avoid forfeiting the bonus when the account is closed?
any purchase counts, atm withdrawals do not count.
Do the debit card transactions have to be with a pin, or can any purchases count?
60 days
Is there a time limit on the direct deposits totaling $2,000 ($200 bonus) or $5,000 ($300 bonus)? Like 60 or 90 days?