PNC New Checking Customer Offer

💰 Earn Up to $400

Open a new eligible PNC checking account online and set up qualifying direct deposits to earn a cash bonus.

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Choose Your Account

🏆 Virtual Wallet® with Performance Select

Earn $400 Bonus

Earn a $400 reward when you:

• Open a new Virtual Wallet with Performance Select
• Establish qualifying direct deposits totaling $5,000

Features

• All Virtual Wallet features
• Highest interest rates on Growth savings
• ATM fee reimbursements for non-PNC ATMs
• Advanced money management tools

Monthly Service Charge

• $25 monthly fee
• Can be waived if requirements are met

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💳 Virtual Wallet®

Earn $100 Bonus

Earn a $100 reward when you:

• Open a new Virtual Wallet
• Establish qualifying direct deposits totaling $500

Features

• Optional Reserve and Growth accounts
• Budgeting and spending tools
• Low Cash Mode® to help avoid overdraft fees

Monthly Service Charge

• $7 monthly fee
• Can be waived if requirements are met

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📅 Offer Period

• Valid from: 5/29/2026
• Ends: 8/31/2026

PNC may extend, modify, or discontinue the offer at any time.

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📋 Bonus Requirements

To receive the reward:

1. Open an Eligible Account

Open a new eligible checking account:

• Online using the application link
• OR at a physical PNC branch

2. Set Up Direct Deposit

Within the first 60 days, receive qualifying direct deposits totaling:

| Account Type | Required Direct Deposits | Bonus | |---|---:|---:| | Virtual Wallet with Performance Select | $5,000 | $400 | | Virtual Wallet | $500 | $100 |

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✔️ What Counts as a Qualifying Direct Deposit

Includes recurring electronic deposits such as:

• Paychecks
• Pension payments
• Social Security
• Other regular income from employers or outside agencies

Does NOT Qualify

• Credit card cash advances
• Wire transfers
• Person-to-person transfers
• Transfers between accounts
• Branch deposits
• ATM deposits
• Mobile deposits
• Mail deposits

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💵 Bonus Payment Details

• Reward paid within 60–90 days after requirements are completed
• Appears as:
  • "CREDITS CHECK REWARD"
• Account must remain open to receive the reward
• Bonus may be reported to the IRS as taxable income

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🚫 Eligibility Restrictions

You are NOT eligible if:

• You currently have a PNC consumer checking account
• You closed a PNC consumer checking account within the last 12 months
• You received a PNC checking promotional bonus within the last 24 months

Additional Notes

• Only one account per signer is eligible
• Trust, Estate, and specialty titled accounts are excluded
• Changing account types after opening may affect eligibility and reward amount

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⭐ Additional Benefits

ATM Access

• Fee-free access at PNC and Partner ATMs

Performance Select ATM Benefits

• No fees at domestic or international non-PNC ATMs
• Up to $10 reimbursement per statement cycle for ATM surcharge fees

Low Cash Mode®

• Available on the Spend account within Virtual Wallet products
• Helps avoid overdraft fees

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📌 Important Notes

• Offers may vary by market
• Cannot be combined with certain other PNC checking offers
• Standard account terms and conditions apply

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Timeline / Data Points

• 12/11/2025 – Open Virtual Wallet with Performance Select
• 12/24/2025 – Fidelity CMA push $2,501
• 01/05/2026 – Fidelity CMA push $2,501
• 02/13/2026 – $400 bonus posted