You can open a PNC checking account online, by phone, or in person at a branch, and the process takes about 15 minutes

PNC offers several checking account types, each with different features and monthly fees. The most common option for people new to banking is the PNC Virtual Wallet with Performance Select, which has no monthly maintenance fee if you meet one of these conditions: keep a $500 minimum balance, set up direct deposit, or maintain a linked savings account with $500. If none of those work for you, PNC also offers accounts with monthly fees ranging from $6 to $15, depending on the account type.

To open an account, you will need a government-issued ID (driver's license, passport, or state ID), your Social Security number, and an initial deposit. You can start with as little as $25 in most cases. If you already have a PNC account, opening a second checking account takes even less time.

Key Takeaways

  • PNC checking accounts can be opened online, by phone at 1-800-762-4000, or at any PNC branch location, and the whole process usually takes 15 minutes or less.
  • You will need a valid government ID, your Social Security number, and an initial deposit of at least $25 to open most PNC checking accounts.
  • The PNC Virtual Wallet with Performance Select has no monthly fee if you keep $500 on deposit, set up direct deposit, or link a savings account with $500.
  • If you open your account online, you can use it when ready for transfers and bill pay, but debit cards and checks arrive by mail within 7 to 10 business days.
  • Opening an account in person at a branch means you can walk out with a debit card the same day, though you will still wait for checks to arrive by mail.

Opening an account online through PNC's website

The online route is the fastest if you do not need a debit card when ready. Go to pnc.com, click "Open an Account," and select the checking account type you want. You will enter your name, address, date of birth, and Social Security number. PNC will ask for your initial deposit amount and how you want to fund it — you can transfer money from another bank account or provide a debit card number.

The system verifies your identity using information from credit bureaus, a process that usually takes a few minutes. Once approved, your account opens right away and you can log in to move money and pay bills the same day. Your debit card arrives by mail in 7 to 10 business days, and checks take about the same time. If you need to make deposits before your card arrives, you can use PNC's mobile app to deposit checks by taking a photo.

Opening an account at a PNC branch in person

If you want a debit card when ready, visit any PNC branch with your ID, Social Security number, and initial deposit. A banker will walk you through the account setup, which takes about 15 to 20 minutes. You will fill out a signature card and choose your account type. The banker will verify your information and process your deposit right there.

You will leave with a temporary debit card that works the same day, and a permanent card arrives by mail within 7 to 10 business days. Checks still come by mail on the same timeline. If you are not sure where your nearest branch is, use the branch locator on pnc.com or call 1-800-762-4000.

Opening an account by phone

You can also open a PNC checking account by calling 1-800-762-4000 and speaking to a representative. Have your ID, Social Security number, and initial deposit method ready. The representative will guide you through the same questions as the online process and can answer questions about account features as you go.

Your account opens once the call ends, and you can use it for transfers and bill pay when ready. Your debit card and checks arrive by mail within 7 to 10 business days. This route works well if you prefer talking to a person or have questions about which account type fits your needs.

What happens after your account opens

Once your account is active, you can log into PNC's website or mobile app using your Social Security number and a password you create. You can set up direct deposit, transfer money from other banks, and pay bills right away. Your employer or benefits provider will need your account number and routing number to set up direct deposit — you can find both in the app or by calling customer service.

Your debit card and checks arrive separately by mail. When your debit card comes, set up it through the app or by calling the number on the card. You can use it at ATMs and stores when ready. Checks take a few more days to arrive after your card, and you can start writing them once they do.

Understanding PNC checking account types and fees

PNC offers several checking accounts with different features. The Virtual Wallet with Performance Select has no monthly fee if you meet one of the balance or direct deposit requirements mentioned earlier. The Virtual Wallet with Performance costs $6 per month but waives the fee if you keep $500 on deposit or set up direct deposit. The Virtual Wallet with Cash Back costs $15 per month and includes extra features like cash back at stores and higher interest on linked savings.

All PNC checking accounts come with online banking, mobile deposits, bill pay, and access to PNC ATMs nationwide. If you use ATMs outside the PNC network, you may pay a fee — check the account details before opening to see what PNC charges for out-of-network ATM use.

What to bring and prepare before you open an account

Gather these items before you start, whether you are opening online, by phone, or in person: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and your initial deposit amount. If you are funding the account from another bank, have that account number and routing number ready. If you are bringing cash or a check to a branch, bring the physical deposit.

You will also need a current address. If you recently moved, bring proof of your new address — a utility bill, lease, or government mail works. If you do not have proof yet, most branches will accept your word and mail statements to your new address while you gather documents.

Frequently Asked Questions

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

PNC requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open a checking account. If you have an ITIN, you can use that instead. Call 1-800-762-4000 to confirm whether your ITIN will work before you visit a branch.

What if I do not have a government ID?

PNC requires a valid government-issued ID to open an account. If you do not have a driver's license or passport, you can get a state ID from your state's Department of Motor Vehicles. Some states offer ID cards without a driving test. Call your local DMV to ask what documents you need to bring.

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

Debit cards arrive by mail in 7 to 10 business days after your account opens. If you need to use a card sooner, open your account at a branch in person and you will get a temporary card the same day. You can also use your account for transfers and bill pay through the app while you wait for the card to arrive.

Can I open more than one checking account at PNC?

Yes, you can open multiple checking accounts at PNC. This is useful if you want to separate spending money from savings or bill pay. Each account has its own debit card and checks, and you can manage all of them through one login.

What is the minimum deposit to open a PNC checking account?

The minimum initial deposit is $25 for most PNC checking accounts. You can deposit cash, a check, or transfer money from another bank account. After your account opens, there is no minimum balance requirement unless you want to waive the monthly fee on certain account types.