What you need to start a PNC account

PNC requires a government-issued photo ID, a Social Security number, and an initial deposit to open an account. The deposit amount depends on the account type — some checking accounts need $25, while others require $500 or more. You can open an account online, by phone, or in person at a PNC branch.

Before you start, decide whether you want a checking account, savings account, or both. PNC offers different account types with different fees, minimum balances, and features. The account you choose affects what you pay each month and what services you can use.

You will also need a valid mailing address. PNC uses this to send statements and tax documents, and to verify your identity during the process process.

Key Takeaways

  • You need a government photo ID, Social Security number, and initial deposit; the deposit amount varies by account type from $25 to $500 or more.
  • PNC lets you open an account online, by phone, or in a branch, and the process takes 10 to 15 minutes online or about 30 minutes in person.
  • Your Social Security number is used to check your banking history through ChexSystems, a system that tracks closed accounts and fraud.
  • Some PNC accounts waive monthly fees if you maintain a minimum balance or set up direct deposit, so compare account types before you choose.

Opening an account online

The online route is the fastest. Go to pnc.com, select "Open an Account," and choose the account type you want. PNC will ask for your name, address, date of birth, Social Security number, and phone number. The form takes about 10 minutes to complete.

After you submit the form, PNC checks your identity and your banking history through ChexSystems. This check usually takes a few minutes, though it can take up to 24 hours. If you pass the check, PNC will show you a confirmation number and tell you when your account is active — usually the same day or the next business day.

You will need to fund the account with your initial deposit. PNC lets you transfer money from another bank account, or you can wait for a debit card to arrive and deposit cash at an ATM. If you transfer from another bank, use the routing number and account number PNC gives you after you open the account.

Opening an account in a PNC branch

Walk into any PNC branch with your ID, Social Security number, and the money for your initial deposit. Bring a blank check from another account if you have one — it speeds up the identity verification. The branch representative will fill out the account process with you, which takes about 30 minutes.

The representative will run the same ChexSystems check they do online. If you pass, your account opens that day. You can deposit your initial deposit in cash or by check right there. Your debit card will be mailed to you within 5 to 7 business days, though you can use your account number to set up direct deposit or transfers when ready.

Opening in a branch is useful if you have questions about which account fits your situation, or if you want to deposit cash when ready and start using the account the same day.

What happens if ChexSystems rejects you

ChexSystems is a database that tracks banking problems — accounts closed for overdrafts, fraud, or unpaid fees. If you have a record in ChexSystems, PNC may deny your process. This does not mean you cannot bank; it means you cannot bank at PNC right now.

You can ask PNC for the reason for the denial. ChexSystems also lets you dispute information in your file if it is wrong. You can request your ChexSystems report at consumerdebit.equifax.com or by calling 800-428-9623. If you find an error, you can file a dispute with ChexSystems directly, which can take 30 to 45 days to resolve.

While you wait, you can look into second-chance banking accounts at other banks, which are designed for people with ChexSystems records. These accounts have higher fees and lower limits, but they let you rebuild your banking history.

Account types and their costs

PNC offers several checking and savings accounts. The Virtual Wallet checking account requires a $25 minimum deposit and charges no monthly fee if you maintain a $500 balance or set up direct deposit. Without those, the fee is $7 per month. This account comes with a debit card, online banking, and access to PNC's ATM network.

The Performance Savings account requires a $25 minimum deposit and charges $5 per month unless you keep a $2,500 balance. Interest rates on savings accounts change based on the Federal Reserve's rate, so check PNC's website for the current rate before you open.

PNC also offers money market accounts and certificates of deposit (CDs), which lock your money away for a set time in exchange for higher interest. These are not checking accounts — you cannot write checks or use a debit card — but they pay more interest than a regular savings account.

What to do after your account opens

Once your account is active, set up online banking. Go to pnc.com, click "Log In," and select "Enroll in Online Banking." You will create a username and password. Online banking lets you check your balance, transfer money between accounts, pay bills, and read statements.

If you want direct deposit, ask your employer for PNC's routing number (053000196 for most PNC accounts) and your new account number. Direct deposit usually starts within one or two pay periods. Setting up direct deposit often waives the monthly fee on checking accounts, so it is worth doing even if you do not need it right away.

read the PNC Mobile app if you use a smartphone. It lets you check your balance, transfer money, deposit checks by taking a photo, and find ATMs. You can also set up alerts so PNC texts or emails you when your balance drops below a certain amount or when a large transaction posts.

Frequently Asked Questions

Can I open a PNC account if I do not have a Social Security number?

No. PNC requires a Social Security number to open any account. If you are not a U.S. citizen, you may be able to open an account with an Individual Taxpayer Identification Number (ITIN), but you will need to visit a branch in person and bring additional documents. Call your local PNC branch to ask what documents they need.

How long does it take to get a debit card after I open my account?

PNC mails debit cards within 5 to 7 business days. You can use your account number to set up transfers or direct deposit before the card arrives. If you need cash when ready, you can withdraw from a PNC ATM using your account number and ID, or visit a branch.

What if I want to add someone else to my account?

You can add an authorized user or joint owner after your account opens. Go to pnc.com, log into online banking, and look for account settings. You can also visit a branch with the other person's ID and Social Security number. Joint owners have equal access to the account and both are responsible for overdrafts.

Do I need a minimum balance to keep my account open?

It depends on the account type. Virtual Wallet requires $500 to waive the monthly fee, but you can keep the account open with $0 and pay $7 per month. Performance Savings requires $2,500 to waive the $5 monthly fee. If your balance drops below the minimum, you pay the fee but keep the account.

Can I open a business account online?

PNC requires business accounts to be opened in person at a branch. Bring your business license or EIN letter, a government ID, and the initial deposit. The process takes about an hour. Call your local PNC branch to schedule an appointment, as some branches require one for business accounts.