Documents and information PNC requires before you can open an account
To open a PNC checking account, you need a government-issued photo ID, your Social Security number, and an initial deposit. PNC accepts a driver's license, passport, or state ID card. The initial deposit amount varies by account type—some accounts require $25, others $100 or more. You can make this deposit by transferring money from another bank account, depositing a check, or bringing cash to a branch.
You will also need to provide your current address and a phone number. If you have moved recently, bring a piece of mail showing your name and address—a utility bill, lease, or bank statement dated within the last 60 days works. PNC will run a background check through ChexSystems, a banking history database, to verify you do not have unpaid overdrafts or fraud flags at other banks.
If you do not have a Social Security number, you can open an account using an Individual Taxpayer Identification Number (ITIN) instead, though availability varies by branch. Call your local PNC branch ahead of time to confirm they can process ITIN applications, as not all locations do.
Key Takeaways
- Bring a government photo ID, your Social Security number, and proof of your current address to any PNC branch.
- You must make an initial deposit ranging from $25 to $100 depending on which checking account you choose.
- PNC checks your banking history through ChexSystems, so unpaid overdrafts or fraud flags at other banks may prevent you from opening an account.
- You can open an account online, by phone, or in person at a branch, though online and phone options have different document requirements.
Opening an account in person at a PNC branch
Walking into a branch with your documents is the most straightforward route. Bring your photo ID, Social Security number written down, proof of address, and your initial deposit. A PNC representative will verify your information, run the ChexSystems check, and set up your account on the spot. The whole process usually takes 15 to 30 minutes.
If you are opening a joint account with another person, both account holders must be present with their own ID and Social Security number. PNC will ask which person is the primary account holder and how you want the account titled—this determines who can make decisions about the account later.
Opening an account online or by phone
PNC lets you start the account opening process on their website or by calling 1-800-PNC-BANK (1-800-762-2265). Online, you will enter your personal information, choose your account type, and arrange your initial deposit. You will still need to verify your identity, which PNC does by asking security questions based on your credit history or by requesting a photo of your ID.
If you open online, you may need to visit a branch later to complete the process, depending on the account type and your situation. Some accounts can be fully opened online, while others require in-person verification. PNC will tell you during the online process whether a branch visit is necessary.
Phone applications work similarly—a PNC representative will walk you through the information they need and arrange your initial deposit. They may ask you to mail in a copy of your ID or upload it through their secure portal.
What happens if ChexSystems flags your account
If PNC finds negative information in your ChexSystems report—unpaid overdrafts, fraud, or repeated NSF (non-sufficient funds) fees—they may deny your application. You have the right to see what ChexSystems has on file about you. You can request your report for free at www.chexsystems.com or by calling 1-800-428-9623.
If the report contains errors, you can dispute them directly with ChexSystems. If the information is accurate but old, some banks will still open an account for you, though PNC's policy varies by branch and situation. Call ahead and ask whether they consider accounts for people with ChexSystems history, and what timeframe they look at.
If PNC denies you, ask for the reason in writing. Some people in this situation open accounts at banks with less restrictive policies, then transfer to PNC later once their banking history improves.
Account types and their different deposit requirements
PNC offers several checking account options, each with different opening deposit minimums and monthly fees. The PNC Virtual Wallet with Performance Checking typically requires a $25 opening deposit and has no monthly maintenance fee if you meet certain conditions—usually a direct deposit or a minimum balance. The PNC Checking account may require $100 to open and has a monthly fee unless you maintain a minimum balance or set up direct deposit.
PNC also offers student checking accounts with lower or no opening deposits for people under 24. If you are a student, bring your school ID along with your other documents—it may reduce or eliminate the opening deposit requirement.
Before you go to the branch, visit PNC's website or call to confirm the current opening deposit for the account type you want. These amounts and fee structures change occasionally, and different branches may have different promotions.
What to bring: a checklist
| Document or Item | Why PNC needs it |
|---|---|
| Government photo ID (driver's license, passport, or state ID) | Verifies your identity and age |
| Social Security number | Required for tax reporting and ChexSystems check |
| Proof of current address (utility bill, lease, or bank statement from last 60 days) | Confirms where you live for account records |
| Initial deposit ($25–$100 depending on account type) | Funds your new account; can be cash, check, or transfer |
| Phone number | PNC uses this for account notifications and fraud alerts |
Frequently Asked Questions
Can I open a PNC checking account if I do not have a Social Security number?
Yes, you can use an Individual Taxpayer Identification Number (ITIN) instead. Not all PNC branches process ITIN applications, so call ahead to confirm your local branch can handle it. You will still need a photo ID and proof of address.
What if I do not have a government photo ID?
PNC requires a government-issued photo ID to open an account. If you do not have one, you will need to obtain a state ID or passport first. Contact your state's DMV or the U.S. State Department to learn how to apply.
How long does it take to open a PNC checking account?
In person at a branch, the process takes 15 to 30 minutes. Online or by phone, it can take a few minutes to a few hours depending on whether PNC needs to verify your identity through additional steps. You can usually start using your account the same day or within one business day.
What if I do not have proof of my current address?
PNC accepts utility bills, lease agreements, mortgage statements, and bank statements dated within the last 60 days. If you have none of these, ask the branch representative what other documents they accept—some branches may take a phone bill or government letter with your name and address.
Can I open a joint checking account with someone who is not present?
No. Both account holders must be present with their own ID and Social Security number when opening a joint account. PNC requires this to verify both people's identities and to confirm both agree to the account terms.