PNC is offering up to $400 for opening a new checking account and setting up direct deposit. The exact bonus depends on the account: $100 for Virtual Wallet with $500 in deposits, or $400 for Virtual Wallet with Performance Select with $5,000 in deposits within 60 days, paid 60 to 90 days after requirements are met.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the PNC Checking bonus
- Open a new PNC checking account online (or with a coupon in branch) by 8/31/2026.
- Set up direct deposit into the Spend account within the first 60 days.
- Reach total qualifying deposits of $500 (Virtual Wallet) or $5,000 (Virtual Wallet with Performance Select).
- Keep the account open and in the same product to receive the reward.
- Wait 60-90 days after meeting conditions for the bonus to post.
The fine print that matters
- Not eligible if you or any signer has an existing PNC consumer checking account or closed one in the past 12 months, or received a PNC promotional premium in the past 24 months.
- Only one account per set of signers is eligible for the premium.
- Changing your checking product after opening may change your reward eligibility and amount.
- Qualifying direct deposits exclude wire transfers, P2P transfers, ATM/branch deposits, and account-to-account transfers.
- The reward may be reported as taxable income on IRS forms.
- Offer valid 5/29/2026 through 8/31/2026 and may vary by market or be changed/discontinued.
Verification and reports
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Sources: pnc.com offer page (checked Jul 19, 2026)
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