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Free Checking
No minimum balance requirement and no monthly service charge
Performance Checking
Requirements to avoid monthly service charge: Maintain $1,500 average monthly balance in this account, OR Maintain $10,000 combined average monthly balance 1 in linked PNC consumer checking (including this account), savings, money market, line of credit 2, auto or home equity installment loan 2, mortgage loan 2 or investment 3 accounts, OR Maintain a qualifying 4 aggregate monthly direct deposit (such as payroll, pension or Social Security) of $2,000 or more per statement period ($750 for accounts in our WorkPlace Banking program) $10 monthly service charge if none of the requirements are met Monthly service charge waived for one linked PNC consumer savings or money market account Balance earns interest 5 Minimum daily balance to obtain the Annual Percentage Yield: $2,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000 +
Statement Savings
$25 required minimum deposit to open $400 average monthly balance required to avoid the monthly service charge. You can also avoid the monthly service charge, regardless of the average monthly balance, with at least one Auto Savings transfer of $25 or more each month from your PNC checking to your savings account. $4 monthly service charge if requirement not met - No fee for account holders under 18 - Fee waived for first year for Foundation Checking customers $3 per withdrawal after 3 each month if the balance falls below $1,500 (includes transfers out of the account, but not overdraft protection transfers to your checking account). - No fee for account holders under 18. Balance earns interest5 Minimum daily balance to obtain the Annual Percentage Yield: $1.00 +
Foundation Checking
$5 monthly service charge regardless of account balance
Savings Max
$100 required minimum deposit to open $10,000 average monthly balance requirement to avoid monthly service charge $15 monthly service charge if balance requirement is not met 5 Balance earns interest Minimum daily balance to obtain the Annual Percentage Yield: $0 - $9.999.99 (no interest) $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $499,999.99 $500,000 - $999.999.99 $1,000,000+
Debit Cards
PNC Bank Visa Check and PNC Banking Card Fees: PNC Bank Visa Check Card - No charge Affinity Visa Check Cards (specialty cards) are charged a $10 annual fee. Affinity cards included: PNC Park, Pittsburgh Steelers, WBS Penguins, Washington Nationals, Detroit Pistons, Cleveland Browns, USA Flag ($5 of the $10 is donated to the American Red Cross annually). Banking Card linked to savings or money market accounts only: No charge Banking Card linked to a checking account: $10 per year This fee will be charged to your checking account on the date of the card opening, and annually on the anniversary date thereafter. This fee does not apply to University ID cards linked to a checking account. Check and Banking Card Replacement Fee: $7.50 Expedited Card Delivery: $25 PNC Bank ATM Transaction Fees: Per withdrawal, deposit, transfer or balance inquiry. Not all ATMs accept deposits. At PNC Bank ATMs: No charge At non-PNC Bank ATMs in the United States, Canada, Puerto Rico, U.S. Virgin Islands:* - No charge for Performance Checking and Performance Select Checking - $2.50 for all other accounts8 At non-PNC Bank ATMs in all other countries/locations:* - No charge for Performance Checking and Performance Select Checking - $5 for all other accounts8 Other Financial Institutions' ATM Surcharge Fees:* Fees reimbursed for Performance Select Checking For Performance Checking, fees are reimbursed at the end of each statement period up to a maximum of $8 Fees will not be reimbursed for all other accounts8
* In the event we determine in our sole discretion that there has been fraudulent or excessive ATM usage on your account, we will not be obligated to reimburse you for any related surcharge fees and you will be liable to repay all related surcharge fees for which we have reimbursed you.
Statement Options
Online Banking Statement No charge for online delivery of your account statement for eligible checking, savings and money market accounts. Check Safekeeping (paper statement where PNC retains images of your checks, replacement checks and images of your canceled checks we have received from other banks) Required for money markets accounts No charge for all accounts Online Banking and Check Safekeeping Statements (for delivery of both an online statement and a check safekeeping statement) No charge for Performance Select Checking $2 per month for all other accounts Check Image (paper statement that contains images of the front side of your canceled checks, replacement checks and images of your canceled checks we have received from other banks) No charge for Performance Checking and Performance Select Checking $3 per month for all other accounts* * Fee is charged monthly regardless of whether there are any actual canceled checks or replacement checks from that statement period.
Wire Transfers
Domestic Wires No charge for Performance Select Checking $25 per outgoing wire (no minimum wire amount) - Additional $15 fee for Telephone Customer Service Representative assisted wire. $15 per incoming wire (no minimum wire amount) International Wires $45 per outgoing wire ($100 USD minimum wire amount) - Additional $15 fee for Telephone Customer Service Representative assisted wire. This additional fee is not charged for Performance Select Checking. $15 per incoming wire (no minimum wire amount) $15 per tracer
Collection Items*
Incoming and Outgoing $25 per bond transaction (except Series E, H, EE, HH or I) $25 per draft, note or check item
Price will vary depending on the size of the safe deposit box $15 plus tax per set of replacement keys (requires new set) $15 plus cost of lock, time and mileage of locksmith for set of replacement keys, drilling of box and replacement of lock $40 per hour (1 hour minimum) for inventory by bank personnel $10 late payment fee
International Services*
For International Wires, see the Wire Transfers section Foreign Currency Exchange Rate Dependent upon current applicable exchange rate Foreign Check Deposit Exchange Rate Dependent upon current check buy rate (Returns will be processed using current check sell rate) Collections ($100 USD minimum collection amount) $25 per item
* Note: Incidental costs for postage, insurance, delivery charges, correspondent bank charges and exceptional expenses, if applicable, and any other costs imposed on us will be added to the above fees for International Services and Collection Items.
Footnotes
1 Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. See our Account Agreement for Personal Checking, Savings and Money Market Accounts, Interest Payment and Balance Computation section for details. 2 The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance. 3 Only investment or annuities linked to a PNC Investment account are eligible to be included in the combined average monthly balance requirement. 4 A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. 5 See our Account Agreement for Personal Checking, Savings and Money Market Accounts, Interest Payment and Balance Computation section for details. 6 A Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of sale purchase transactions with a banking card, by pre-authorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Savings or Money Market account to a Free Checking account. 7 There may be fees for certain optional services available through PNC Online Banking. 8 PNC Bank charges apply for use of another financial institution's or ATM operator's ATMs. Additionally, other financial institutions and/or ATM operators may charge for using their ATMs. 9 Overdraft protection must be tied to a PNC Bank checking, savings or money market account, credit card or approved line of credit. Lines of credit and credit card are also subject to applicable Account Agreements and/or Disclosure Statements. Some accounts may not be eligible to be linked as overdraft protection based on titling structure, product type or other constraints.
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