{"slug":"pnc-checking-400","category":"bank","institutionSlug":"pnc","product":"Checking","title":"PNC Checking: $400 bonus","bonus":"$400","unit":"cash","amount":400,"reqShort":"$5,000 in direct deposits within 60 days","expiresOn":"2026-08-31","status":"live","verifiedOn":"2026-07-19","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"Monthly service charge ranges from $5 to $25 depending on account, waived with qualifying direct deposit, minimum balance, or age (under 25/62+).","keep":"","posts":"","applyDomain":"pnc.com","applyUrl":"https://www.pnc.com/en/personal-banking/banking/checking/bonus-offer.html","summary":"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.","reqSteps":["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."],"finePrint":["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."],"listedOn":"2026-07-19","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"pnc.com offer page","url":"https://www.pnc.com/en/personal-banking/banking/checking/bonus-offer.html","checkedOn":"2026-07-19"}],"needsVerification":true}