You can apply for an account in-person at a branch or online. Getting started with Virtual Wallet Student is easy because there’s a low minimum deposit to open an account. Tip: PNC does offer its customers “one” courtesy fee refund on a returned item that occurs within the first 12 months of opening an account. Keep in mind that if you don’t sign up for overdraft protection, PNC Bank may charge a $36 overdraft and returned item fee if you don’t have money in your account to cover a transaction. Some banks charge a fee for each day that an overdraft transfer occurs. There’s no overdraft protection transfer fee. In the event that you don’t have enough funds in your Reserve account for overdraft protection, your Growth account is the backup account. If you don’t have enough cash in your Spend account to cover a transaction, funds from your Reserve account will transfer to your Spend account to avoid an overdraft. Your Reserve account serves as your main account for overdraft protection. This provides peace of mind in the event that you forget to record a transaction and overdraw your account. You’ll link your Spend account with your Reserve and Growth accounts. This helps you avoid expensive overdraft fees. With a Spend account, there’s the option of opting into overdraft protection services. PNC Student Checking Account Pros & Cons ProsĪvoid Fees with Overdraft Protection Services The difference between the Reserve and Growth account is that the latter features a higher interest rate to maximize your earnings. Use this account to save a down payment for a house after graduation. Your Growth account, however, is for long-term savings goals. Maybe you’re thinking about getting a new laptop or taking a trip with friends. The Reserve account is for short-term savings goals. If you have a part-time or full-time job, or receive money from your parents, you can deposit cash or checks into this account.Īlong with a primary checking account, Virtual Wallet Student also comes with a Reserve account and a Growth account. When you apply for Virtual Wallet Student, you’ll receive a Spend account which functions as a primary checking account. PNC Bank’s Virtual Wallet Student is different because it offers three accounts in one. In this PNC Bank student checking Account review, we'll compare rates, fees, and services to other national and online banks. It also includes other unique features to keep their money on track as they complete their education. The bank’s Virtual Wallet Student includes a checking account with student-friendly tools. With its 2,600 branches and 9,000 ATMs across 19 states, PNC Bank is among the options for anyone, including college students. When you're looking for a student checking account, PNC Bank is a destination that you might consider.
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