$400 Bonus with New PNC Account
PNC Bank has a nationwide offer that can get you either a $200 or $400 bonus. This is one of the better bonuses that PNC offers for its consumer checking/savings accounts. Let’s check the details.
The Offer
In order to earn this bonus you need to:
Open a new, eligible Virtual Wallet product online online via the application links online or in a physical PNC location or call center.
Set up and receive a qualifying direct deposit(s) within the first 60 days. The total amount of all qualifying direct deposits credited to your Spend account must be at least
- $5,000 for Virtual Wallet with Performance Select ($400 Bonus), OR
- $2,000 for Virtual Wallet with Performance Spend ($200 Bonus)
The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “CREDITS CHECK REWARD” your monthly statement. The eligible account must remain open to receive the reward.
Offer is valid 07/01/2025 through 11/17/2025 and may be extended, modified, or discontinued at any time and may vary by market.
Key Terms
- You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months.
- If multiple accounts are opened with the same signers, only one account will be eligible for the premium.
- The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you.
Account Fees
Virtual Wallet with Performance Select ($300 Bonus) has a $25 monthly fee that can be waived with any of the following options:
- Average monthly balance of $5,000 or more
- Qualifying direct deposits of $5,000 or more
- $25,000 in linked eligible accounts
Virtual Wallet with Performance Spend ($200 Bonus) has a $15 monthly fee that can be waived with any of the following options:
- Average monthly balance of $2,000 or more
- Qualifying direct deposit of $2,000 or more
- $15,000 in linked eligible accounts
Conclusion
PNC bank is offering a bonus of up to $400 when you open a new Virtual Wallet which includes a checking and savings account. This is a good bonus if you can manage the $5,000 direct deposit.
A simple ACH transfer has worked for me in the past, and it should still work if you transfer from Chase, Capital One, PayPal etc.
