That will be ending. %%EOF To best meet your needs, … The PNC standard checking account does not pay any interest. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Which Major U.S. Banks Offer Second Chance Checking Accounts? He aims to provide actionable advice that can help readers better their financial lives. These offers do not represent all deposit accounts available. Note: Wire transfer fees from July 2020 for PNC Bank Standard Checking accounts. Notes. If not you will only see the $200 offer bonus, see section below about this offer. This is a low-cost account designed for people who may not want or need a standard checking account but still want access to convenient banking features. In Washington DC, where there are more than 7,200 PNC ATMs, you will not be reimbursed for ATM fees. Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your PNC consumer Visa Credit Card you have chosen to link to a qualifying PNC checking account. All three PNC Bank checking accounts require a $25 minimum deposit to open the account. The PNC standard checking account offers the ability to automate your savings. h�|�;(�Q��s>$�'L�\�(�Kd�d@�!��dPHL.I2"�D(���/BאK���U�,����{�s��y^-J*��w�E�oQ�,�t�*�-�:����[�A�Z���ޅ���D��ꄠsY�Eg��T�t�[`?��V�pBaN3|���-�Ʈ�+���z���rgU�87 �J��306�]�������CMmP�m?����D�kx�� �p�~�Q8��\@◢ǩ߇��s�ރ�8�� ��k5a����sOp^�v���~�i�b(�G^qh{Z���R�)���m��O��h7�;���V2�ݎ������E32��b�%�d%9h�M� o���$e���9��)+f�5Z�`���ۅ�Ԑ�wG�Lr��u��e�P1�n39�I���|B�\5�!���t_����/��˭�I��F�?�����` ��j This can make your life easier and help you save money. With this interest-bearing checking account, banking customers can earn higher rates and have a broader variety of rewards at their disposal. Please keep in mind that if you live in a state with a PNC branch, you’ll see the $400 bonus offer. MyBankTracker and CardRatings may receive a commission from card issuers. Your savings account can also double as overdraft protection for your PNC checking account. Maintain a Minimum Checking Account Balance. One of the easiest ways to access the money in your checking account is by withdrawing it from an ATM. Standard Checking: Customers who only want a basic checking account may find this PNC account to be their best option. The content that we create is free and independently-sourced, devoid of any paid-for promotion. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. You can build up your savings without even thinking about it. You can also use debit cards at stores to pay for your purchases. Furthermore, the fee waiver requirements are easier to hit than comparable accounts. Some of the most prominent features of this account are as follows: All these great perks do come with a price, however. The PNC standard checking account is highly convenient for people who live in an area serviced by the bank. Choose PNC for checking accounts, credit cards, mortgages, investing, borrowing, asset management and more — all for the achiever in you. Banks want to build long-term relationships with their customers. When you meet the spending requirement listed in the offer, your account will automatically be credited with the rewards. See why PNC is the smart choice for help in meeting your financial goals. PNC gives you the chance to earn some rewards on the purchases you make with your debit card. PNC Bank Checking Account Premium Checking Accounts Compared at the Top 10 Banks, Ally Bank vs. Capital One 360 Checking Accounts Review, How Chase Checking Compares to Free Online Banks Accounts, The Best Second Chance Checking Accounts Found at Big Banks, Overdraft Fee and Not-Sufficient Funds (NSF) Fee, $25 if account is closed within 180 days of opening, Receive $500 in direct deposits during a statement period, or. TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. If a checking account isn’t convenient, all it’s doing it making your financial life more difficult. Unlimited surcharge-free transactions at all Standard Bank and PNC Bank® ATMs 4; No fees or hassle to change packages; Description: Just as a community bank is dedicated to lifelong customer relationships, Navigator Checking was designed to be your ultimate, lifelong checking companion. The PNC Bank Standard Checking only requires $25 to open the account. Just tell PNC how much you want to save each month, and it will transfer money from your checking to your savings or money market account each month. If you want to earn interest on the balance of your PNC checking account, you’ll need to choose one of PNC’s premium accounts. If you don’t live near a PNC branch, you’re probably better off looking at other options. ����5D�j9�P�u�����G�8 It primarily serves consumers in the mid-Atlantic states. This is why many banks offer incentives to do most of your banking with one financial institution. Compare this checking account to the options offered by online banks, which tend to provide lower fees and higher interest rates. If you have a PNC loan, you can set up automatic payments so that the money will be withdrawn from your account each month. There is a $15 monthly maintenance fee if none of the following requirements are met: Here's some of the main fees and features of the account: The goal of any checking account is to offer easy access to your cash. PNC Bank is one of the fastest growing banks in the United States today. Wells Fargo vs. Bank of America Checking Accounts Review. You’ll need to keep at least $500 in the account to avoid the $7 … For example, in Massachusetts, where there are few PNC ATMs, you can get reimbursed for the first two non-PNC ATM transactions per statement period. In today's world, you need more than just a checking account. That lets you open the account instantly rather than waiting for your initial deposit to arrive. You can avoid its $7 monthly fee when the account receives $500 in qualifying direct deposits or maintains a $500 average monthly balance. In fact, it’s the most common type of bank account in the U.S. That means that you have a lot of options to choose from. Other than the fees you’ll pay and how easy it is to access your money, you should consider these factors when choosing a checking account: The PNC Bank standard checking account is great for people who live in an area that is served by PNC’s branches and ATMs. The Performance Spend virtual wallet has the same fees and charges as the PNC Performance checking account. {��(�ŲC�YH��~�Y� �GJ� The checking accounts the bank offers include the PNC Bank Standard Checking account, the Bank Performance Checking account and the Performance Select Checking account. U.S. Bank Vs. Capital One Checking: Which Is Right for You? PNC Bank’s standard overdraft fee is $36. They all charge fees, but the fees are easy enough to waive: PNC Bank Standard Checking: The $7 monthly fee will be waived if the account receives $500 in qualifying direct deposits or maintains an average monthly balance of $500. h�b``�e``������Ɯ����8X8�����Tsׁ�!� P�q7qr�7p04�7�d�R7X2S�� @�lL/����0�S=OS=ն|�ڶhž�-�'�X�����W���8-��,x�̡xP�gG�1��rL)6�pϰp�#���Ʌ���Bn��:�;Xd�+,:�?Xu�`?���@�y��� Sy63��~�g��bp��w�"�0�[�/ɒi���ۆl"Œ�8%��112�M1ztE�#�i��ic��� @7�(q�lcan�Ė�s��Gw� c/�O� It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. It’s easy to forget to save when you have to manually transfer money from your checking account to your savings account. PNC also offers relationship rates on its standard savings account. Pnc III, 12405 5th Pl NE, Lake Stevens, WA (Owned by: Owner) holds a Construction Contractor, Construction Contractor license and 3 other licenses according to the Washington license board.. Their BuildZoom score of 94 ranks in the top 24% of … Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. When you log in to your online banking account, you can visit your PNC Rewards Center. Learn everything you need to know about the PNC Bank Standard Checking account, the bank's basic checking option. He has also contributed to publications and companies such as Investment Zen and Echo Fox. Typically, a wire transfer sent domestically, arrives in the recipient’s account within 1-2 business days. PNC offers relationship bonuses if you have both a checking and savings account with the bank. )������}o'֘"��p���US�0T�v�s�V}�9Um����9���������z������/��YsY��>��տ��>�Oۓ���^-�o.��'.ޮ��ʵ���~=��������z����_�M������z��iUE�U���꫋���q~�b��ꆛ>�T��oǙ�Z��_����j~n�����Go���|vƳ ��P Ъ-�.v.U��uK�n��uG=��G�A=��h�#�A��ڰ,�V-��]���5,-FkXZ�ְ��ai1:��bt�����`i�3.�w����K����=����K���v�7,�FoXڍް��,-��e�ްt�a�. In the Rewards Center, you will see a list of offers that available to you. You might find that a smaller, local bank or credit union can offer an account that better meets your needs. Also, account holders age 62 or older will not be charged the monthly fee. In these areas, PNC locations are incredibly easy to find and the low fees make the account a good choice. Debit cards are highly convenient, allowing you to withdraw cash from any ATM in the country, though you might have to pay some fees. With cards that offer as much as 5% cash back on purchases, using a debit card can have a significant opportunity cost. To waive the monthly maintenance fee, you must meet one of the following requirements: Compare to the monthly fees on basic checking accounts offered by the other large national banks, this account is on the cheaper end. 497 0 obj <> endobj I download from PNC Bank to clear the Transaction. You also must receive a direct deposit of at least $500 each month and make 5 purchases with your debit card. With easy access to fee-free ATMs and relatively easy to avoid monthly fees, it’s easy to use PNC’s checking account. You will get these rates if you also have a linked checking account and meet certain criteria. The standard PNC Virtual Wallet fees are the same fees for the Standard checking account. You can also look for an account from an online bank. Checking at PNC is Virtual Wallet. PNC operates a network of more than 9,000 ATMs, all of which are fee-free. Though it took traditional products (Two checking accounts and a savings account), it packaged them in such a way the the user experience was new and exciting. Plus, there are no charges at PNC Bank ATMs, and customers can take advantage of unlimited check writing. Yes, your PNC Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). How are PNC Bank’s exchange rates? h���n�F�_�/В"9C�N�#2��.�NTĖ! Every PNC loan, other than mortgages, is eligible. This site may be compensated through the bank advertiser Affiliate Program. If you’re looking for a checking account, in this review find out everything you need to know about PNC’s Standard Checking account and compare it to other options. Still, the Standard Checking account struggles to compete with the low cost of online checking accounts. View our list of partners. The PNC standard checking account is highly convenient for people who live in an area serviced by the bank. All the special features in the world won’t help you if you can’t spend the money in your account. One feature that really adds to the convenience factor is online bill pay. Single Buyer Policy. In addition, the account reimburses you for any out-of-network ATM fees. You can even make your initial deposit to the account with a credit card. Choosing PNC’s Standard Checking account can help you earn a better return on your savings. The PNC Purchase Payback program tailors special offers to your spending habits. PNC is offering you a chance to earn up to a $400 bonus when you open up a Checking Account by February 01, 2021.. Editor’s Note: Please keep in mind that if you live in a state with a PNC branch, you’ll see the $400 bonus offer.If not you will only see the $200 offer bonus, see section below about this offer. The more of your money that a bank is able to manage, the more money the bank can make from you as a customer. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. PNC Bank Standard Checking Account PNC Bank offers three different basic checking accounts (as opposed to its Virtual Wallet offerings). PNC Bank requires you to keep a minimum amount of money in your accounts to avoid fees. It's also easy to deposit checks with PNC's mobile check deposit feature. If you're interested in becoming a PNC banking customer, but aren't sold on this checking account, check out some other checking account options also offered by this bank: The Performance Checking account from PNC is a second-tier banking account that best suits those banking consumers that are not looking for the most exclusive banking account, but a step up from a basic banking account. $25: $10.95/$12.95: Linked U.S. Bank personal loan, line or credit card: Bank of America Core Checking. We believe by providing tools and education we can help people optimize their finances to regain control of their future. Enter your ZIP code and we will create a personalized pricing page that you can print. Should You Open a Checking Account With a Brokerage vs. a Bank? Find out which features make it stand out for everyday consumers. $25.00 Monthly Service Fee The Monthly Service Fee of $7.00 can be waived by one of the following: - Maintaining an average monthly balance of $500.00. However, if you overdraft your account by less than $5, there will be no charge. One of the most important features of a checking account is how easy it is to get your money. The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. Unfortunately, the APY on the savings account would still be significantly lower than what you'd get with an online savings account. It comes with free PNC ATM transactions and cash rewards. PNC Bank is the fifth largest bank in the United States, just outside the so-called Big Four of the U.S. banking industry. 675 0 obj <>/Filter/FlateDecode/ID[<04E8B1EF177372409AFD47C3905DACD4>]/Index[497 187]/Info 496 0 R/Length 453/Prev 293950/Root 498 0 R/Size 684/Type/XRef/W[1 3 1]>>stream $25: $7: Average monthly balance of $500 or direct deposit of $500 or account owner is 62+ years old: U.S. Bank Gold. This makes it much easier to save towards a goal or build an emergency fund. If you need to use a non-PNC ATM, you can get some of the fees reimbursed. 5��\c�`�&rP�1"� �\��&K�4�O�wX*���� d��} PNC Bank $200/$400 Virtual Wallet Checking Bonus. The Standard Checking Account has an ATM withdrawal limit of $500 with a relatively high daily debit purchase limit of $7,000. Automatically waived if the account holder is 62 or older. 0 Most people won’t encounter these regularly, but they’re good to know about. Each overdraft will incur a fee of $36, with a maximum of 4 overdraft fees charged each day. Standard Multi-Buyer Policy. 683 0 obj <>stream PNC is one of the largest banks in the U.S. and operates thousands of locations in the states it services. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. It has more than $131 billion in assets, with offices numbering to 90 scattered in 17 states as well as the District of Columbia. You can use your PNC Bank Visa® Debit Card at thousands of PNC ATMs. PNC Bank is one of the biggest banks in the U.S. with nearly 2,500 branches and more than 9,000 ATMs. PNC Bank’s wire transfer fees are competitive compared to other banks, but are typically worse than using a money transfer company. That is why when PNC created its virtual wallet product in 2008, it quickly became a resounding success. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. These offers reward you for your shopping and let you recover some of the opportunity cost you pay by not using a credit card. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. Welcome to the Account Pricing Center for Service Charges and Fees. When you’re looking for the right checking account, take the time to shop around. PNC has the right banking products and financial expertise for individuals, small businesses, and large institutions. Website; 800-762-5684; The Basics Minimum Opening Deposit A $25.00 deposit is required to open this account. Once you do, go about your shopping as usual. Standard Checking Statement PNC Bank Primary account number: 46-3035-2885 For the period 10/07/2015 to 11/05/2015 Number of enclosures: 0 SANDRA LOPEZ For 24-hour banking, and transaction or 3536 W 61ST PL interest rate information, sign-on to CHICAGO IL 60629-3612 PNC Bank Online Banking at pnc.com For customer service call 1-888-PNC-BANK Monday - Friday: 7 … MyBankTracker generates revenue through our relationships with our partners and affiliates. On Monday PNC announced that it will be phasing out free checking. For example, you might see an offer like “Spend $50 at Starbucks and get $5 back.”. Outside of PNC’s service areas you’re likely to run into frequent ATM fees. Online banks tend to charge the lowest fees and offer the best interest rates. The downside of using a debit card is that you pass up on the ability to earn the rewards that many credit cards offer. Grow an Export Business: Enter new markets and attract new customers by extending more flexible credit terms. In addition to standard checking, PNC Bank also offers these Virtual Wallet checking + savings accounts: Virtual Wallet Checking . endstream endobj startxref Non-PNC ATM fees reimbursed for in some areas, Ability to earn cash back on certain debit card purchases, Some fees for non-PNC ATMs are reimbursed, plus other bank's surcharge fees may be reimbursed, Bonus rewards when you add a select PNC credit card, Get higher relationship rates on a Premiere Money Market or, Free Overdraft Protection set up and transfers, $10 annual fee discount on Safe Deposit Box, Maintain a $2,000 average monthly balance, Maintain a $15,000 average monthly balance in linked PNC consumer deposit, loan and/or investment accounts, or, Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers). The Standard Checking account does come with monthly fees, but these are waivable. To be eligible for the relationship bonus, you must have both a PNC standard checking and PNC Standard Savings account. As an additional benefit, you’ll get an interest rate discount if you set up automatic payments. "Standard Checking" from PNC Bank. Even if you’re outside of PNC’s service areas, you can still use the account thanks to the ATM fee reimbursement. I have PNC Bank Standard Checking Account and I manually enter in all Transactions. PNC Bank is offering you a chance to earn up to $400 bonus when you open up a Virtual Wallet Performance Select checking.. PNC Bank has numerous products and services that cater to … But for international wire transfers this can be a bit longer, taking up to 2-3 business days to process. Nearly every bank in the United States offers a checking account. MyBankTracker has partnered with CardRatings for our coverage of credit card products. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. PNC Bank had been one of the few large banks that had a free checking account with no monthly service fees regardless of balance, direct deposit or use of tellers. PNC Standard Checking. Non-client check-cashing fee, 2 percent of check amount ($2 minimum) PNC Express Funds, 2 percent of the check amount over $100; $2 for each check of $25 to … Pass up on the purchases you make with your debit card at thousands of locations in the United States just... Instantly rather than waiting for your initial deposit to the account holder is 62 or.. How long a wire transfer fees from July 2020 for PNC Bank is one of the most prominent of... Or Standard checking account may find this PNC account, banking customers can earn higher rates and have a checking... Manually transfer money from your checking account offers the basics minimum Opening a! 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