What you need to open a PNC account

PNC requires a government-issued photo ID, your Social Security number, and an initial deposit to open most accounts. The deposit amount depends on the account type — checking accounts typically require $25 to $100, while savings accounts may require $25. You can bring these documents to a branch in person, or open an account online if you have a valid ID and can verify your identity through their digital process.

If you do not have a Social Security number, PNC can issue an Individual Taxpayer Identification Number (ITIN) account, though you will need to visit a branch with additional documentation. Minors can open accounts with a parent or guardian present, and the adult will need to provide their own ID and Social Security number.

PNC also runs a background check through ChexSystems, a banking history database. If you have been flagged for fraud or unpaid overdrafts at another bank, PNC may deny your application. You can request your ChexSystems report before applying if you are concerned about your history.

Key Takeaways

  • You will need a government photo ID, Social Security number, and an opening deposit of $25 to $100 depending on account type.
  • PNC checks your banking history through ChexSystems, and a record of fraud or unpaid overdrafts can result in denial.
  • You can open an account online, by phone, or in person at a PNC branch, though online verification requires a valid ID and internet access.
  • If you are under 18, a parent or guardian must be present and provide their own identification and Social Security number.
  • PNC offers checking, savings, and money market accounts with different features and minimum balance requirements.

Opening an account online versus in person

Opening online is faster if you have all your documents ready. You will enter your personal information, Social Security number, and initial deposit method (debit card, bank transfer, or wire). PNC will ask you to verify your identity by uploading a photo of your ID or by answering security questions based on your credit history. The process usually takes 10 to 15 minutes, and your account opens the same day or within one business day.

Opening in person at a branch takes longer but eliminates verification delays. A PNC representative will review your ID, confirm your Social Security number, and process your opening deposit on the spot. You will receive a debit card and checks (if applicable) immediately or within a few business days. This route is better if you have questions about account features or if you failed online identity verification.

Phone applications are also available — call PNC at 1-800-762-6622 to speak with a representative who can walk you through the process. You will still need to verify your identity and provide an opening deposit, usually by debit card or bank transfer.

Types of PNC accounts and their requirements

PNC's most common account is the Virtual Wallet Checking, which requires a $25 opening deposit and has no monthly maintenance fee if you set up direct deposit or maintain a $500 minimum balance. If your balance falls below $500 and you do not have direct deposit, PNC charges $7 per month. This account includes a debit card, online banking, and mobile app access.

The Performance Savings account requires a $25 opening deposit and earns interest on your balance. The interest rate varies based on your balance tier — higher balances earn higher rates. There is no monthly fee, but PNC limits you to six withdrawals per month; additional withdrawals cost $10 each.

PNC also offers Money Market accounts, which require a higher opening deposit (typically $2,500) and pay higher interest rates in exchange. These accounts also have withdrawal limits and tiered interest rates based on your balance.

If you frequently overdraft or have a history of banking problems, PNC's eChecking account may be an option, though it is being phased out at many branches. Ask a representative whether this account is still available at your location.

What happens after you open your account

Your account number and routing number will be provided immediately after opening, either on screen (online) or on a receipt (in person). You can use these numbers to set up direct deposit with your employer or to transfer money from another bank. Your debit card will arrive by mail within 5 to 10 business days; you can request expedited delivery at some branches for a fee.

PNC will send you a welcome packet with your checks (if you ordered them), account agreement, and fee schedule. Read the fee schedule carefully — it outlines charges for overdrafts, wire transfers, stop payments, and other services. Overdraft fees at PNC are typically $35 per transaction, and you can be charged multiple times per day if you make several purchases that overdraft your account.

You can set up online banking and the PNC mobile app immediately after opening. These tools let you check your balance, transfer money between accounts, pay bills, and deposit checks by photo. Two-factor authentication is required for security — PNC will send a code to your phone or email when you log in from a new device.

If your application is denied

PNC will tell you the reason for denial, usually within one to three business days. The most common reasons are a negative ChexSystems report, unpaid overdrafts at another bank, or fraud flags. If the denial is based on ChexSystems, you have the right to request a copy of your report and dispute any errors.

If you were denied, you can ask PNC to reconsider your application if you have resolved the underlying issue — for example, if you have paid off overdrafts at another bank. Bring documentation of the payment to a branch and speak with a manager. Some branches may reopen your case, though there is no may provide.

If you cannot open an account at PNC, consider a second-chance banking program or a credit union, which often have less stringent ChexSystems policies. Some credit unions do not use ChexSystems at all and may be willing to work with you despite banking history issues.

Fees and ongoing costs

PNC's main ongoing fees are the monthly maintenance fee (waived with direct deposit or a $500 minimum balance on checking), overdraft fees ($35 per transaction), and withdrawal limits on savings accounts ($10 per excess withdrawal). Wire transfers cost $15 to $20 depending on whether they are domestic or international. Stop payments on checks cost $35.

PNC does not charge fees for basic services like debit card use, online transfers between your own accounts, or bill pay through their website. ATM withdrawals at PNC machines are free, but using an out-of-network ATM costs $3 per transaction (plus any fee the other bank charges).

Review your account agreement and fee schedule when you open your account so you understand what costs apply to your specific account type. Fees vary slightly between account types and can change, so check PNC's website or call your branch if you are unsure about a charge on your statement.

Frequently Asked Questions

Can I open a PNC account without a Social Security number?

Yes, if you have an Individual Taxpayer Identification Number (ITIN). You will need to visit a branch in person with your ITIN documentation, passport, and proof of address. The process takes longer than a standard account opening, and PNC may require additional verification.

How long does it take to receive my debit card?

Standard delivery takes 5 to 10 business days. Some branches offer expedited delivery for a fee, which can reduce the wait to 2 to 3 business days. You can use your account number to make online purchases or set up direct deposit before your card arrives.

What if I do not have a government photo ID?

PNC requires a government-issued ID to open an account. If you do not have one, you will need to obtain a state ID or passport first. Some states offer ID cards specifically for banking purposes if you cannot get a driver's license.

Can I open an account if I have been denied by other banks?

It depends on why you were denied. If the denial was due to ChexSystems, you can still apply to PNC, but they will likely see the same report and may deny you as well. If you have resolved the issue (paid overdrafts, cleared fraud flags), bring documentation to a branch and ask a manager to review your case.

What is the difference between Virtual Wallet and eChecking?

Virtual Wallet is PNC's standard checking account with modern features like mobile deposit and bill pay. eChecking is an older account type with fewer features and is being phased out. Virtual Wallet is the better choice for most people unless you have specific reasons to prefer eChecking.