PNC Bank Personal Checking Review: $200-$300 Promotions

Get the new $50, $100, $200 and $300 promotions for a new PNC Personal Checking Account here.

PNC Bank has branches in the following states: AL, DC, DE, FL, GA IL, IN, KY, MI, MO, MD, NC, NJ, NY, OH, PA, RI, SC, VA, WI, and WV.

PNC Personal Checking review highlights:

• Current checking sign-up promotions
• PNC Checking benefits

With the PNC Virtual Wallet account you can earn a $50, $200, or $300 sign-up bonus. Open the account online or have the coupon emailed to you.

• Promotion Link: $300 Promotion
• Expiration: 06/30/2016
• Bonus Amount: Up to $300
• Related Bonus: PNC Business Bonus
• Competitor Bonus:
  • Chase $300 coupon
  • Chase $250 coupon
  • TD Bank Checking Promo
  • BBVA Compass NBA Checking Promo
  • Bank of America Checking Promo
  • Citibank Checking Promo
  • Regions Bank Checking Promo
  • SunTrust Bank Checking Promo
• Account(s) Eligible: Virtual Wallet + (Performance Spend/Select)
• Availability: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
• Hard/Soft Inquiry: Soft
• Direct Deposit Requirement: Yes (details below)
• Monthly Service Fee:
  • Virtual Wallet $7 waived when you meet ONE of the following:
    • Use ATMs or mobile banking to make withdrawals and deposits
    • OR, $500 or more, in total qualifying direct deposits to the Spend, per statement period
    • OR, $500 average monthly balance in Spend and Reserve
    • OR, With Virtual Wallet Student
  • Virtual Wallet with Performance Spend $15 waived when you meet ONE of the following:
    • $2,000 or greater, total qualifying direct deposits to the Spend, per statement period
    • OR, $2,000 average monthly balance in Spend and Reserve
    • OR, $15,000 combined average monthly balance in PNC consumer deposits, loans including mortgage and/or investments
  • Virtual Wallet with Performance Select $25 waived when you meet ONE of the following:
    • $5,000 or more in total, qualifying direct deposits to the Spend, per statement period
    • OR, $5,000 average monthly balance in Spend + Reserve including linked checking accounts
    • OR, $25,000 combined average monthly balance in PNC consumer deposits and/or investments
• Other Requirements: You can only earn 1 of the following bonuses.
  • Virtual Wallet with Performance Select $300 Bonus:
    • Establish total qualifying direct deposit(s) of $5,000 to the new account
    • Make at least one payment with a PNC Online Bill Pay
    • Both conditions must be met within the first 60 days
  • Virtual Wallet with Performance Spend $200 Bonus:
    • Establish total qualifying direct deposit(s) of $2,000 to the new account
    • Make at least one payment with a PNC Online Bill Pay
    • Both conditions must be met within the first 60 days
  • Virtual Wallet $50 Bonus:
    • Establish total qualifying direct deposit(s) of $500 to the new account
    • Make at least one payment with a PNC Online Bill Pay
    • Both conditions must be met within the first 60 days
• *Tips: 
  • A qualifying Direct Deposit 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.
  • New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months.
  • The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you.

Virtual Wallet Features:

• Virtual Wallet is free when you use only ATMs, online or mobile banking to make withdrawals and deposits
• Free transactions at over 8,800 PNC ATMs
• Some PNC fees for non-PNC ATM transactions are reimbursed.
• Unlimited check writing
• Earn higher yield relationship interest rates on your Growth account
• Earn cash with PNC Purchase Payback
• Earn bonus rewards with PNC Flex Visa and PNC points Visa Credit Cards
• Free Online Banking and Bill Pay

Virtual Wallet with Performance Spend Features:

• Some PNC fees for use of non-PNC ATMs are reimbursed. Other bank’s surcharge fees may be reimbursed.
• Free transactions at over 8,800 PNC ATMs
• Bonus rewards with your PNC Visa Credit Card
• Earn cash with PNC Purchase Payback
• Account earns interest on balances of $2,000 or more
• Unlimited check-writing
• Earn higher yield interest rates on your Growth account or with Premiere Money Market or Standard Savings account
• Bonus rates on select CDs and IRA CDs
• Free PNC-exclusive checks
• Free Overdraft Protection set up and transfers
• $10 annual fee discount on Safe Deposit Box
• Free PNC Cashier’s Checks
• Free Stop Payments

Virtual Wallet with Performance Select Features: 

• $5,000 or more in total, qualifying direct deposits to the Spend, per statement period
• OR, $5,000 average monthly balance in Spend + Reserve including linked checking accounts
• OR, $25,000 combined average monthly balance in PNC consumer deposits and/or investments

$400 Bonus Requirements:

• Open a Performance Select Virtual Wallet Checking Account.
• Set up a qualifying Direct Deposit of $5,000 or more.
• Complete one online Bill Pay.
• You must complete all requirements within 60 days of account opening.
• Once the requirements are met, you’ll receive the bonus within 60 days.

*Reports are saying that the current $400 offer is currently unavailable, but it never hurts to ask since PNC tends to renews such promotions throughout the year.

*Check back at this page for updated PNC Bank promotions, offers and bonuses!