What are the requirements to open a bank account at PNC Bank in the United States?

Find out how to apply for a PNC account online or in person.

PNC Financial Services was founded in Pittsburgh, Pennsylvania, from where it currently maintains its headquarters. Its history dates back to the Pittsburgh Trust and Savings Company which dates back to April 10, 1845. PNC did not become fully operational until January 28, 1852, after the long recovery from the Great Fire in Pittsburgh.

PNC Bank operates in 21 states across the country and the District of Columbia with 2,459 branches and 9,051 ATMs. If you want to open your account in this bank, you will have to meet the following requirements.

  • Personal information (name and date of birth)
  • Social Security Number or Taxpayer Identification Number (ITIN)
  • Address

You should also be aware of any other type of personal identification such as a driver’s license, state ID or military ID. You can also open your account online at pnc.com or even by phone at 1-888-762-2265.

Types of checking accounts at PNC Bank

In recent times, PNC Bank has opted for expansion, but not physically but online, which is why it created its Virtual Wallet checking accounts designed for different types of customers with different needs . Virtual Wallet has four accounts ranging from one for students to select individuals.

Virtual Wallet Student

Although you must prove that you are part of an eligible educational institution , it has many advantages such as not paying any monthly maintenance fee. Youth have their own PNC Bank Visa Debit Card, can withdraw money from the bank’s ATMs, and has overdraft protection.


PNC Bank’s online basic checking account. You get unlimited check writing, overdraft protection, and earn cash with PNC Purchase Payback, which is a personalized rewards program based on your spending habits. It has a monthly maintenance fee of $7 dollars that can be avoided by having an average monthly balance of $500 dollars in your account, if you have eligible direct deposits of the same amount or you are over 62 years old.

Virtual Wallet with Performance Spend

It has an avoidable $15 monthly fee with qualified direct deposits or an average monthly balance of $2,000. It can also be avoided by having an average combined balance of $10,000 between your deposit accounts. In addition to having the Virtual Wallet perks, you get free identity theft insurance and $10 off the annual safe deposit box rental fee.

Virtual Wallet with Performance Select

In this account, in addition to the previous benefits, you have no charge for cashier’s checks and stop payments, $100 discount on the annual rental fee of the safe deposit box and free national electronic transfers. All for a $25 monthly fee that you can waive if you maintain a combined average balance of $5,000 in your accounts or up to six PNC consumer checking accounts or if you have direct deposits of the same amount.