If you plan on switching to PNC Bank, good news — it has a ton of checking account bonuses. Most of the bonuses require setting up direct deposit, keeping a certain average balance or performing a number of transactions.
While PNC’s account bonuses have requirements to meet before you get the cash, the conditions are pretty reasonable. Just keep in mind that PNC bonuses are for new customers — you’re not eligible if you already have a PNC consumer checking account or closed an account in the past 12 months or have recieved a PNC promotional premium in the past 24 months.
| Bonus type | Bonus amount | Requirements | Learn more |
|---|---|---|---|
| PNC Virtual Wallet® direct deposit bonus | $100 | Open the account and set up a total qualifying direct deposit of at least $500 to the Spend account within 60 days of opening. Expires January 7, 2027. | Read Review |
| PNC Virtual Wallet with Performance Select direct deposit bonus | $400 | Open the account and set up a total qualifying direct deposit of at least $5,000 to the Spend account within 60 days of opening. Expires January 7, 2027. | Read Review |
| PNC Business Checking balance and activity bonus | $400 | Open the account and perform at least 10 total qualifying transactions, plus a $2,000 average ledger balance for each of the first three statement cycles. Only for businesses with less than $10 million in revenue. Expires December 31, 2026. | Read Review |
| PNC Business Checking Plus balance and activity bonus | $400 | Open the account and perform at least 10 total qualifying transactions, plus a $2,000 average ledger balance for each of the first three statement cycles. Only for businesses with less than $10 million in revenue. Expires December 31, 2026. | Read Review |
| PNC Treasury Enterprise Plan balance bonuses | $1,000 | Earn $1,000 by opening the account and maintaining an average minimum balance of at least $30,000 for the first three statement cycles. Only for businesses with less than $10 million in revenue. Expires December 31, 2026. | Read Review |
| PNC Analysis Business Checking balance bonuses | $1,000 | Earn $1,000 by opening the account and maintaining an average minimum balance of at least $30,000 for the first three statement cycles. Only for businesses with less than $10 million in revenue. Expires December 31, 2026. | |
| PNC Cash Rewards® Visa® Credit Card activity bonus | $250 | Make at least $1,000 in purchases in the first three months of opening. |
The easiest PNC bonus offer is the Virtual Wallet direct deposit bonus, which offers $100. Available until January 07, 2027, it offers a $100 bonus for setting up a total of at least $500 in qualifying direct deposits — with no other activity or balance requirements. After you’ve met the conditions, PNC will send the bonus within 60 to 90 days.
The base Virtual Wallet account that offers the $100 direct deposit bonus has a $7 monthly fee. You can waive this fee with $500 in direct deposit, keeping an average monthly balance of $500 across the PNC wallet subaccounts, or if you’re aged 62 or older.
If you want the most cash for a personal account, the $400 direct deposit bonus with the Virtual Wallet with Performance Select account could be for you, but it requires $5,000 in direct deposits to earn.
Additionally, Performance Select has a high $25 monthly service fee. You can waive it in one of three ways: 1) a $5,000 in monthly direct deposit to your Spend account, or 2) a $5,000 combined average monthly balance in Spend and up to 7 linked PNC consumer checking accounts, or 3) a $25,000 combined balance across linked PNC deposit or Wealth Management accounts.
Like most banks with bonus or welcome offers, PNC Bank considers qualifying direct deposits as recurring payroll deposits or regular monthly income, such as paycheck direct deposit, pension and Social Security.
One-off deposits like peer-to-peer transfers (like Zelle), tax refunds, credit card cash advances and other similar transactions aren’t considered qualifying direct deposits by PNC.
If you’re still in the market for an account, check out Finder rewards for more opportunities.
9.2
Excellent
Capital One 360 Checking
An interest-bearing checking account with flexible overdraft options and international access.
PNC offers bonuses for its Virtual Wallet accounts, but those accounts aren’t available in all states. On top of that, the Virtual Wallet accounts have high monthly service fees. PNC’s business account bonuses are high but also have hefty direct deposit and/or balance requirements.
If you’re not set with switching to PNC or you’re on the hunt for easier or higher bank account bonuses, compare the best bonus offers here.
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