PNC Bank Bonus: How to Earn Up to $400 Personal Checking Accounts – Ends 6/30/25

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.

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: 6/30/2025

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

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: 6/30/2025

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 May 2025
• PNC Bank Promotions: $400 or $1,000 Business Checking Bonus [Many States] – Ends 6/30/25

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.