PNC Bank is offering up to $400 in bonuses for new customers who open a personal checking account and meet the requirements. With flexible bonus tiers and a reputation as one of the leading financial institutions in the U.S., this offer is a great way to boost your finances while exploring PNC’s robust banking services.
In this post, I’ll break down everything you need to know—from eligibility to step-by-step instructions on claiming your bonus. Ready to cash in? Let’s dive in!
PNC Bank has branches in the following states: Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas Virginia, West Virginia and Wisconsin. They also have branches in Washington, D.C.
They have more than 6 million customers across 21 states, and currently hold more than $350 billion in total assets. They operate more than 2,700 branches and 7,400 ATM machines. PNC Bank is actually one of the best banks with low foreign ATM fees also.
See the bottom of this page for more deals from PNC Bank.
Key Takeaways
- Earn $100, $200, or $400 by opening a new PNC Bank personal checking account.
- Requirements vary based on the bonus amount.
- Offer available in select locations; check your eligibility online.
- PNC Bank operates more than 2,700 branches and 7,400 ATMs.
- Serves over 6 million customers across 21 states.
- Manages over $350 billion in total assets.
PNC Bank Bonus: Up To $400 Virtual Wallet Checking Offer
- What you’ll get: Up To $400
- Where it’s available: At select locations only (upon clicking on the offer link, you will be asked to enter your zip code and will be presented with this $400 offer or possibly another one; not all states with branches will show this offer).
- How to earn it:
- Earn $100: Open a Virtual Wallet Checking with direct deposit(s) of $500 or more to the Spend account; OR
- Earn $200: Open a Virtual Wallet with Performance Spend with direct deposits totaling $2,000 within 60 days of account opening; OR
- Earn $400: Open a Virtual Wallet with Performance Select with direct deposits totaling $5,000 within 60 days of account opening.
- When it expires: 12/8/2025
Trending Checking Account Deal:
BMO Cash Bonus: Earn an Easy $400 Checking Cash Bonus*
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the...Show More
Open a new BMO Smart Advantage Checking or BMO Smart Money Checking account and earn a $400 cash bonus* when you receive at least $4,000 in qualifying direct deposits within the first 90 days. Enjoy no monthly maintenance fees, no minimum balance requirements, and access to over 40,000 fee-free ATMs nationwide. Act now before it ends 9/8/25 Show Less
Waive The Monthly Fee
Virtual Wallet: $7 monthly fee waived if you meet any one of the following:
- $500 combined average monthly balance in your Spend and/or Reserve accounts
- $500 in qualifying monthly direct deposits to your Spend account during the statement period
- Account holder is age 62 or over
- Account holder is a PNC Employee
Virtual Wallet with Performance Spend: $15 monthly fee waived if:
- $2,000+ monthly direct deposit to the Spend Account ($1,000+ total qualifying monthly direct deposits for WorkPlace Banking customers)
- OR, $2,000+ monthly balance in Spend + Reserve
- OR, $10,000 in all PNC consumer deposit accounts
Virtual Wallet with Performance Select: $25 monthly fee waived if:
- $5,000+ monthly direct deposit to the Spend account
- OR, $5,000+ monthly balance in Spend + Reserve
- OR, $25,000 in all PNC consumer and/or investments accounts
READ MORE: SEE THESE CASH BACK SHOPPING OFFERS AND PROMOTIONS FOR BONUS CASH AND REWARDS
TRENDING DEAL:
Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.31% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.31% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Fine Print
- Offer is contingent on product availability and location.
- Rewards vary based on the type of Virtual Wallet account opened and used.
- The product type at the end of the opening month determines offer eligibility and reward amount.
- To qualify for the reward, the new Virtual Wallet product must be opened online within a specific timeframe.
- A qualifying Direct Deposit must be received within the first 60 days.
- The Virtual Wallet account must remain open to receive the reward, credited within 60-90 days.
- Qualifying Direct Deposits are recurring deposits of income electronically deposited into the Spend account.
- Minimum amounts for qualifying Direct Deposits vary based on the Virtual Wallet type.
- Certain transactions, such as cash advances and transfers, do not count as qualifying Direct Deposits.
- Existing PNC Bank consumer checking account holders or recent account closings may not be eligible.
- Only one account is eligible for the reward if multiple accounts are opened with the same signers.
- Trust, Estate, and specialty titled accounts are excluded from the offer.
- The offer is subject to extension, modification, or discontinuation and may vary by market.
- The reward may be taxable income, and professional tax advice is recommended.
READ MORE: GET CASH, GIFTS AND MORE WITH THESE REFERRAL DEALS
PNC Bank Bonus: Up To $400 Virtual Wallet Checking Offer (Outside-Of-Footprint)
- What you’ll get: Up To $400
- Where it’s available: At select locations only (upon clicking on the offer link, you will be asked to enter your zip code and will be presented with an offer; not all states will show an offer).
- How to earn it:
- Earn $100: Open a Virtual Wallet and establish total qualifying direct deposits of $500 within 60 days of account opening; OR
- Earn $200: Open a Virtual Wallet Checking Pro with Spend, Reserve & Growth with direct deposits totaling $2,000 within 60 days of account opening; OR
- Earn $400: Open a Virtual Wallet with Performance Select with direct deposits totaling $5,000 within 60 days of account opening.
- When it expires: 11/17/2025
Trending Savings Account Deal:
Raisin Savings Network: 70+ Banks, Up $1600 & Top Savings Account APY Rates
Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. With just one secure...Show More
Unlock the power of your savings with Raisin’s exclusive network of 70+ insured banks and credit unions, offering top-tier savings rates with zero fees. With just one secure login, you can easily diversify your deposits across multiple institutions, all backed by up to $10 million in federal deposit insurance coverage.¹ Open your Raisin account in minutes and start earning more today. Show Less
Waive The Monthly Fee
Virtual Wallet: $7 monthly fee waived if:
- $500+ monthly direct deposit to the Spend account
- OR, $500+ monthly balance in Spend + Reserve
- OR, Account holder is age 62+
Virtual Wallet with Performance Spend: $15 monthly fee waived if:
- $2,000+ monthly direct deposit to the Spend Account ($1,000+ total qualifying monthly direct deposits for WorkPlace Banking customers)
- OR, $2,000+ monthly balance in Spend + Reserve
- OR, $10,000 in all PNC consumer deposit accounts
Virtual Wallet with Performance Select: $25 monthly fee waived if:
- $5,000+ monthly direct deposit to the Spend account
- OR, $5,000+ monthly balance in Spend + Reserve
- OR, $25,000 in all PNC consumer and/or investments accounts
READ MORE: GET THIS WELCOME PROMO FROM BANK OF AMERICA BEFORE IT’S GONE
Fine Print
- Offer availability and rewards depend on product availability and location.
- Different rewards ($400, $200, or $100) based on the type of Virtual Wallet account opened and used.
- Changing the Virtual Wallet product type after opening will determine offer eligibility and reward amount.
- Qualifying Direct deposit(s) must be received within the first 60 days.
- The Virtual Wallet account must remain open to receive the reward.
- The reward will be credited to the eligible account within 60-90 days after meeting all conditions.
- Qualifying Direct Deposits include recurring deposits of income electronically deposited into the Spend account.
- Minimum amounts for qualifying Direct Deposits vary based on the Virtual Wallet type.
- Certain transactions, such as cash advances and transfers, do not count as qualifying Direct Deposits.
- Ineligible if you or any signer has an existing PNC Bank consumer checking account, closed an account within the past 90 days, or received a PNC promotional premium in the past 24 months.
- Only one account is eligible for the reward if multiple accounts are opened with the same signers.
- Trust, Estate, and specialty titled accounts are excluded from the offer.
- The offer is subject to extension, modification, or discontinuation and may vary by market.
- The reward value may be reported to the IRS and considered taxable income.
- Consult a tax adviser for specific tax-related inquiries.
More from PNC:
- Best PNC Bank Bonuses & Promotions of December 2025
- PNC Bank Promotions: $400 or $1,000 Business Checking Bonus [Many States] – Ends 12/31/25
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Word of caution with PNC promotions: I accepted an offer for the Virtual Wallet Performance Spend account in 2020 which came with a $200 bonus in exchange for opening an account and making $2000 in direct deposits within the first 60 days (which I did). I used the link at their website, opened, funded, and made required deposits. I never received my bonus. After contacting them several times, I finally received a $50 bonus as they informed me I only opened the basic Virtual Wallet account. That is not true and very disappointing they would cheap out over $150 when I keep a decent balance in the accounts, have minimal transaction activity, and utilize e-statements. Virtual Wallet is a neat product but the experience let me down and disappointed by the lack of effort by PNC.