Minimum Opening Deposit
A $25.00 deposit is required to open this account.
Monthly Service Fee
This single product includes three accounts--Spend, Reserve and Growth--offering different access and interest rates designed to function as both your checking and savings accounts.The monthly service fee of $15.00 is waived if you meet one of the following requirements:- Maintain a combined average monthly balance of $2,000.00 or more in your Spend and Reserve Accounts.- Have a $2,000.00 monthly direct deposit.- Maintain a combined balance of $10,000.00 in your Virtual Wallet accounts.
Annual Percentage Yield (APY)
The account earns 0.01% on all balances over $2,000.00.
Debit Cards & Using ATMs
PNC Purchase Payback
This account includes 'PNC Purchase Payback' to put money back into your account based on your debit card usage. There is no annual fee for this card.
ATM Fee Reimbursements
Fees charged by other banks for using their ATMs are reimbursed up to $10.00 per statement period
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-PNC ATM. This fee is waived on your first four withdrawals each month.
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application for BlackBerry and Windows devices to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and make mobile check deposits;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and make mobile check deposits.
Deposit Checks with Mobile Phone
This feature is available for the iPhone and Android mobile application.
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- The bad news that your account balance is below $0;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
$8 discount is available on select designs.
Monthly Paper Statements
Check Images with Statements
$3.00 a month to receive check images with paper statements
Online Statements are required with the Virtual Wallet account.
Online Check Images
Images of canceled checks can be viewed online.
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $36.00
This checking account has 4 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.
About PNC Bank
PNC's wide range of services can make banking easier, and more convenient than ever. See why PNC is the smart choice for help in meeting your financial goals.