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PNC Bank Bonus: Earn $600 by Stacking New Account Offers

Small business owners can stack bonuses even higher.

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Any long-time Slickdeals reader knows you should never open a bank account without a bonus. If you’re on the hunt for a new checking account, savings account, or credit card, PNC bank bonuses and promos offer hundreds of dollars in value when you meet minimum new account requirements.

Depending on the accounts, you can earn $600 (or more, if you also have a business account) from PNC Bank bonuses. Here’s a closer look at PNC Bank and what you need to know to get started.

PNC Bank Bonuses and Promos

Not all PNC Bank products come with a bonus, and bonuses can change anytime. Here’s a look at the flagship banking products from PNC Bank and how you can earn a bonus when signing up.

Jump to Bonus
Virtual Wallet: $50 Bonus
Virtual Wallet with Performance Spend: $200 Bonus
Virtual Wallet with Performance Select: $400 Bonus
PNC Cash Rewards® Visa® Credit Card: $200 Cash Back Bonus
PNC Premier Traveler® Visa Signature® Credit Card: 30,000 Bonus Miles
PNC points® Visa® Credit Card: 50,000 Bonus Points
PNC Core® Visa® Credit Card: $100 Bonus
PNC Business Checking / Business Checking Plus: $200 Bonus
Treasury Enterprise Plan / Analysis Business Checking: $500 Bonus

Virtual Wallet Offers: $50-$400 Bonus

Virtual Wallet
PNC Bank

Virtual Wallet® is a checking and savings account combo with a signup bonus worth up to $400 for new customers. The Virtual Wallet includes the main PNC Bank checking and savings accounts described below.

  • Spend: This is the primary checking account used for income and expenses.
  • Reserve: Reserve is a secondary checking account intended for short-term planning.
  • Growth: Growth is the long-term savings account in the Virtual Wallet.

The standard Virtual Wallet comes with a $50 bonus. The account requires $500 in monthly direct deposits, an average minimum deposit balance of $500 combined balance in Spend and Reserve accounts, or for someone who is at least 62 years old. This account includes up to $5 in monthly ATM fee reimbursements for out-of-network ATMs. If you don’t meet direct deposit, balance, or age minimums, you’ll be charged a $7 monthly maintenance fee.

Virtual Wallet with Performance Spend is a higher-tier product offering a $200 bonus. To avoid a $15 monthly service fee, the account requires at least $2,000 in monthly direct deposits, a $2,000 or higher balance in Spend + Reserve accounts, or at least $10,000 across all PNC consumer accounts. Performance Spend includes up to $10 in reimbursements for other banks’ ATMs.

Virtual Wallet with Performance Select is the highest tier and offers a $400 bonus for new customers. To avoid a $25 monthly fee, customers must bring in $5,000 or more in monthly direct deposits, keep at least $5,000 in Spend and Reserve accounts, or hold at least $25,000 across PNC accounts. It includes up to $20 in monthly ATM fee reimbursements.

Regardless of the account tier, customers of Virtual Wallet have access to useful features like overdraft protection, spending tracking, and automated savings tools. The checking and savings account features are available individually or through the Virtual Wallet account bundle.

Why We Like PNC Virtual Wallet

The Virtual Wallet Checking includes the most popular online banking features anyone would expect, including access to the Zelle® network. You also get free cashier’s checks, unlimited fee-free withdrawals at PNC ATMs, and varying limits for free withdrawals and reimbursements when using an ATM out of the PNC network, including international ATMs.

A unique, standout feature is Low Cash Mode®. This includes no non-sufficient funds fees, a maximum of one $36 overdraft fee per day, custom account alerts, and 24 hours to bring your account balance back to zero to avoid any overdraft fees. It’s a one-day period to make up for the overdraft fee-free.

Zelle offers instant transfers to others at PNC and other participating banks with no fees.

The Spend portion of a Virtual Wallet doesn’t earn interest at the first tier. The higher tiers come with 0.01% for Spend. Reserve earns 0.01% APY at all account tiers. That interest rate is very low, but starting with a valuable bonus could make the lower rate worthwhile.

Virtual Wallet Savings – Growth

The Virtual Wallet Savings account is an interest-bearing savings account. It qualifies for the $50, $200, or $400 Virtual Wallet account bonuses. Growth savings accounts earn 0.01% to 0.03% APY depending on your relationship rate tier and account balance.

Standard rates for most customers are 0.01%. Relationship rates are available to customers who make five or more debit card purchases per month and meet direct deposit minimums. Here, the base is 0.02%, and balances of $2,500 and above earn 0.03%.

At the Performance Spend level, this account features a 0.03% relationship rate on balances up to $1 million and 0.04% at that balance or above. Performance Select earns an additional 0.01% for Growth on top of Performance Spend. Standard rates of 0.01% apply if you don’t meet direct deposit and debit card requirements.

Premiere Money Market

Premier Money Market is a checking and savings account hybrid. It offers interest like a savings account and ATM, debit, and check writing features like a checking account. PNC Premier Money Market requires an average monthly balance of at least $5,000 and a link to a PNC checking account to avoid a $12 monthly fee.

Premier Money Market offers interest rates ranging from 0.02% to 0.05% depending on your balance and which checking account you use in addition to the Money Market Account. There is currently no bank bonus for this account, but the linked checking accounts may qualify for a bonus of up to $400. When paired together, you’ll earn a better interest rate than with Virtual Wallet alone.

Certificate of Deposit (CD)

CD accounts are timed savings accounts that typically offer a higher interest rate in exchange for locking your funds away for a specified period. PNC certificates of deposit require a $1,000 minimum opening balance and come with terms of seven days to 10 years.

CD rates vary by term. As with all other rates here, CD rates can change at any time without notice. However, the rate you earn is locked in for the duration of your CD term.

While it’s not exactly a bonus, some CD accounts do come with promotional rates if you choose specific terms. As of this writing, CDs with promotional rates are for 9, 13, 19, 25, 37, and 61-month terms. If you know you won’t need the money for a while, a PNC Bank promo rate for a CD could make sense.

Credit Cards Offers – $200 | 30,000 Miles | 50,000 Points

Clothing Store Checkout Cashier Counter

PNC Bank Credit Cards come with varying features. These cards currently offer a signup bonus for a new account:

PNC Cash Rewards Visa Credit Card

The PNC Cash Rewards® Visa® Credit Card currently features a $200 cash back bonus after spending at least $1,000 in the first three billing statement periods. That’s an easily achievable bonus for most households, even if the card is only used for groceries, gas, and other common expenses you would incur anyway.

From the first purchase and beyond, the card offers 1% to 4% cash back. You can earn 4% back on gas station purchases, 3% at restaurants, and 2% at grocery stores. These bonus rates are valid for up to $8,000 in combined annual purchases. Once you hit that level, you’ll earn the standard 1% cash back rate on all further purchases.

PNC Premier Traveler Visa Signature Credit Card

The flagship travel rewards credit card from PNC is the PNC Premier Traveler® Visa Signature® Credit Card. This card currently offers a bonus of 30,000 bonus miles after spending $3,000 in the first three statement cycles. 30,000 miles is worth $300 when redeemed for travel rewards.

The card offers a flat 2x miles per dollar on all purchases with no rotating or bonus categories to worry about. There’s no limit to what you can earn.

The card requires an $85 annual fee, which is waived the first year. It also includes no foreign transaction fees when using the card outside the United States.

PNC Bank PNC points Visa

A Visa credit card, the PNC points® Visa® Credit Card comes with 50,000 bonus points after $750 or more in purchases in the first three billing cycles. Points are redeemable for cash back, gift cards, travel, and merchandise. This program is PNC’s version of a general points rewards card.

It includes 4x points per dollar for all purchases. It’s possible to earn a 25%, 50%, or 75% bonus when meeting certain minimum activity and hold a qualifying Virtual Wallet account. PNC points are worth about a quarter of a cent each, so 10,000 points are worth about $25. The 50,000-point signup bonus is worth about $125 in redemptions.

Points have an expiration date, so you want to use them within the time limit before they vanish from your account.

PNC Bank Core Visa

The PNC Core® Visa® Credit Card comes with a bonus of $100 after $1,000 or more in combined purchases in the first three months. This low-rate credit card offers no additional cash back, points, or travel rewards. However, the $100 bonus is nice for someone who wants a simple credit card or is looking to take advantage of the lengthy 15-month 0% APR introductory period.

PNC Bank Small Business Bonuses

small business accepting payment

If you own a small business, it should have its own dedicated bank account. PNC currently offers a $200 bonus on a new Business Checking or Business Checking Plus account. To qualify, businesses must maintain an average $5,000 minimum balance and make at least 20 debit card transactions within the first three statement cycles.

Larger businesses can earn a $500 bonus with a new Treasury Enterprise Plan or Analysis Business Checking account. To qualify, these require a significant $30,000 average balance for the first three statement cycles.

Mix and Match to Maximize Your PNC Bonus

If you want to go all-in on PNC Bank, savvy spenders with enough direct deposit income and savings can maximize cash rewards with this setup:

  • Virtual Wallet with Performance Select: $400
  • PNC Cash Rewards Visa Card: $200

This includes a new checking account, savings account, and credit card. If you own a business, you may be able to increase your take by another $200 or $500 if you’re interested in bringing that business to PNC as well.

Who Is PNC Bank?

PNC Bank windows
PNC Bank

PNC is a super-regional bank based in Pennsylvania. Tracing its roots back to 1852, PNC has grown through a series of acquisitions. In 2021, PNC notably acquired BBVA USA. According to a recent annual report, the company operates in 27 states with 2,629 branches and more than 9,500 ATMs. Even if you don’t live near a branch, you may be able to bank with PNC as an online-only customer.

As of June 2022, PNC ranked as the sixth-largest bank in the United States, with a total of $534 billion in customer assets.

Personal banking products include checking, savings, credit card, mortgage loans, auto loans, personal loans, student loans, and PNC investment management. PNC also offers a suite of products for small businesses and corporate customers.

For bonuses and promos, you can earn a cash bonus when signing up for several products and meeting minimum program requirements.

Pros and Cons of PNC Bank

The big draw to PNC Bank would be to enjoy the convenience of all banking under one roof. If you live near a PNC location, the added convenience of a branch and no-fee ATMs could have you wanting to stick with the bank for years to come.

The big drawbacks include interest rates and requirements to avoid monthly recurring fees. Many online-only banks offer much higher interest rates on savings accounts and don’t require any debit card, direct deposit, or minimum balance activity to avoid a monthly maintenance fee. However, those don’t offer any branches, which may not work for some individuals.

Ultimately, it’s up to you to decide if these features make PNC the right choice for your long-term banking. If you sign up and earn these bonuses to test the water, PNC hopes you’ll stick around. But there’s no rule saying you can’t earn the bonus and move on if you’re willing to jump through the hoops.

Are Bank Bonuses and Promos Worth It?

If you’re looking to open a new bank account or credit card anyway, it’s always worth shopping around to find a bonus for bringing over your cash. In the old days, you might walk away from a new bank account with a toaster, clock, gym bag, or other home goods. These days, banks have upgraded their rewards to include cash back bonuses you can use any way you see fit.

PNC Bank comes with a strong offering when going head-to-head with other large, traditional banks. If you’re considering moving over, take advantage of these bonuses when getting started.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or

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