Stop payment for Performance Select, no charge. Stop payment for Virtual Wallet and Performance Spend, $33. If your account is overdrawn by $5 or less at the end of the day, overdraft fees are refunded. Unless these fees are waived, here is what you can expect to pay: Generally, the higher the account tier, the fewer fees you’re required to pay. Read your account details carefully to avoid surprise fees. Basic PNC checks are free, and there is a $10 discount on select check designs. There are no fees for paper statements with check images, domestic wire transfers, stop payments or redeposit of returned items. With Performance Select, there is no fee to replace your Visa debit card and there is reimbursement for up to $10 a month in other banks’ ATM surcharges. Maintain $25,000 combined average monthly balance in linked PNC deposit and investment accounts. Monthly direct deposits of $5,000 a month to your Spend account.Ĭombined $5,000 average monthly balance in the Spend account and up to eight linked PNC consumer checking accounts. The $25 monthly fee is waived if you meet one of these criteria: There is no minimum opening deposit if the account is opened online it’s $25 if opened in a branch. The Reserve account pays 0.01 percent APY on balances of $1 and higher relationship rates on the Growth account are tiered, ranging from 0.04 to 1.25 percent APY for balances of $500,000 or more. You can have up to eight additional linked PNC checking or savings accounts with Performance Select, with no monthly service charge. Performance Select is PNC’s premium account tier with the most benefits and includes an interest-bearing checking account. The bank reimburses for up to two non-PNC ATM transactions per statement period and up to $5 in other banks’ ATM surcharges.Ī number of other fees are waived for the Performance Spend account services, including paper account statements, redepositing returned items and check images. There is more fee forgiveness with this account than there is with basic checking. Maintain a combined balance of $10,000 in PNC deposit accounts. Keep an average monthly balance of $2,000 in checking and/or Reserve accounts. Make $2,000 in direct deposits to your Spend account each monthly statement period. The $15 monthly fee is waived if one of these conditions are met: There is no minimum opening deposit if Performance Spend is opened online it’s $25 if opened in a branch. The checking account with Virtual Wallet with Performance Spend is interest bearing, paying 0.01 percent APY on balances of $2,000 and up. Have at least $500 a month in qualifying direct deposits to your Spend account, such as a paycheck. Maintain a combined average monthly balance of at least $500 in your Spend and Reserve accounts. The Reserve and Growth accounts also serve as built-in overdraft protection. In addition to Spend, there are two savings account options that can be included with this package: Reserve is a secondary checking account, and Growth is a long-term savings account. In this tier, the checking account, called Spend, is a basic, noninterest bearing account. Virtual Wallet is an umbrella title for a combination of checking and savings accounts. Here are more details about PNC’s main checking accounts. The perks of this account are good for up to six years. PNC also offers Virtual Wallet Student, a non-interest bearing checking account with no balance requirement (if opened online) and no monthly service fee. Note: Annual percentage yields (APYs) shown are as of Jfor New York. Virtual Wallet with Performance Select (Spend) PNC Bank’s main checking account offerings include: Virtual Wallet, for customers who want basic account features and online tools Virtual Wallet Performance Spend, which features two reimbursements for non-PNC ATM use per statement cycle and other perks and Virtual Wallet Performance Select, which is the premium checking account with the highest level of benefits. PNC Bank was named Most Trusted Bank as part of the 2023 Bankrate Awards. It also has a full array of online and mobile banking tools, making it a good fit for checking account customers who prefer traditional branch banking but also want access to the latest in personal-finance technology. With more than 2,400 branches and access to nearly 60,000 fee-free ATMs, PNC Bank has a large physical presence. Its retail branch network sprawls across 29 states in the mid-Atlantic, South, Midwest and West, as well as in the District of Columbia. PNC Bank is a subsidiary of Pittsburgh-based PNC Financial Services Group, one of the largest financial services institutions in the U.S., with assets of $556 billion.
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