Qualifying direct deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device, or through the mail do not qualify as qualifying direct deposits.
No overdraft fees to trip you up
No minimum deposit to open online
Brilliant Benefits, Wherever Life Takes You
Coast to coast branch and ATM network[3]
Cardless access at PNC ATMs
Transfer easily between your PNC accounts
Choose a debit card design that matches your style
Monitor Your Money with Alerts
Stay on top of your money with customizable alerts.[5]
- Customize your notifications for account transactions
- Get daily balance updates
- Receive notifications of any suspicious account activity
Send Money to People You Know & Trust with Zelle[6]
Zelle® is easy to use in the PNC Mobile app and is directly connected to your account.
- Send and receive money with people you know and trust
- Have funds deposited directly into your account for use
- Easily split expenses when you are out with friends and family
Digitally Switch Your Banking Easily to Get Started
Transfer your direct deposit and more.
- Switch your direct deposit to PNC in the mobile app
- Use mobile check deposit for any paper checks
- Set up and automatically pay your bills
- Mobile App
- Alerts
- Zelle
- Digital Budgeting
Do More with the PNC Mobile App
Your PNC Mobile app keeps your account at your fingertips.[4]
Monitor Your Money with Alerts
Stay on top of your money with customizable alerts.[5]
Send Money to People You Know & Trust with Zelle®
Zelle® is easy to use in the PNC Mobile app and is directly connected to your account[6]
Digitally Switch Your Banking Easily to Get Started
Transfer your direct deposit and more.
- Mobile App
- Alerts
- Zelle
- Digital Budgeting
Brilliant Money Moves
for Life's First Steps
Are you under 25? Enjoy PNC Simple Checking and add a Standard Savings account with no monthly service charge when you bank with PNC.[2]
Account Details
Low fees for all your everyday banking needs
$5 Monthly Service Charge, or
$0 Monthly Service Charge if any of the following qualifications are met:
- Any qualifying direct deposit[1]
- If the account holder is under 25[2]
- If the account holder is 62 or older[2]
$0 Overdraft Fees
$0 Charge for cashier's checks
A Bank On
Certified Account
Committed to helping build safer and more affordable banking products.
PNC Simple Checking has guardrails to help prevent overspending
If your balance isn’t enough, we simply decline the charge and won’t charge you an overdraft fee
There are situations where your account may still become overdrawn. For example, gas stations often pre-authorize a set amount before they know the total, which might be less than what you actually spend. If you spend more than what's available in your account, because the transaction is already authorized, your account will become overdrawn. You still won't be charged a fee in these cases.
Frequently Asked Questions
We Also Recommend
PNC Checking
Checking accounts for every stage of your life.
PNC Savings
From standard savings, money market accounts or CDs; we have the savings products that will help you grow your savings.
Credit Card
From cash back to lower APRs, a new PNC credit card can help you get all the benefits you deserve for your spending.
Related Resources
Financial Education
Foundations of Money Management
Whether you’re new to banking or looking to expand your financial management skills, a strong foundation can help prepare you for financial well-being. This short course covers banking basics, managing your accounts, and budgeting.
Customer Support
Get help with an existing PNC checking account
Already a customer and need some help with your existing account? Visit our customer support resources including how to use your PNC mobile app and online banking plus answers to some frequently asked questions.
Second Chance Banking
Providing a path to get your finances back on track.
Second chance bank accounts are designed for individuals whose banking history prevents them from opening a regular account. Learn how accounts like PNC Simple Checking benefit these customers.
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The 25-age waiver and/or 62-age waiver will only be applied if the date of birth for the primary or secondary owner(s) on the account meets the age requirement. The date of birth for a fiduciary (i.e. Rep Payee, Trustee) is not eligible for the waiver. If no date of birth is on file, waiver eligibility is based on the date of account opening.
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Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
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PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the Digital Services Agreement.
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PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.
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Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use
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PNC limits the number of transfers that may be made from a savings or money market account. PNC limits the number of transfers that may be made from a savings or money market account without incurring fee. Please see your account agreement and fee schedule for more information..
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.