# PNC Checking: $400 bonus

Canonical: https://dealaka.com/offers/pnc-checking-400

- Status: Limited reports
- Bonus: $400
- Requirement: $5,000 in direct deposits within 60 days
- Expires: Aug 31, 2026
- Availability: Nationwide
- Institution: PNC
- Verified: Jul 19, 2026 against pnc.com
- Field reports: 0

## 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.

## Requirements
1. Open a new PNC checking account online (or with a coupon in branch) by 8/31/2026.
2. Set up direct deposit into the Spend account within the first 60 days.
3. Reach total qualifying deposits of $500 (Virtual Wallet) or $5,000 (Virtual Wallet with Performance Select).
4. Keep the account open and in the same product to receive the reward.
5. Wait 60-90 days after meeting conditions for the bonus to post.

## 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.

## Sources
- pnc.com offer page <https://www.pnc.com/en/personal-banking/banking/checking/bonus-offer.html> (checked Jul 19, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._