![]() ![]() To contact customer support, call Monday through Friday between 7 a.m. You also have the option to pay or return individual checks and payments made using your checking account when your balance is negative. The perk, available through the bank's mobile app, gives you at least 24 hours to bring your account balance to $0 before you're charged overdraft penalties. PNC has a feature for its Spend account to help avoid overdraft fees called Low Cash Mode. PNC received 4.8 out of 5 stars in the Apple store and 4.4 out of 5 stars in the Google Play store. Otherwise, you'll have to open a standard savings account. For example, you can only access high-yield savings options if you live in an eligible market. Your decision to bank with PNC could largely depend on whether you live near a branch. Here are the states with brick-and-mortar locations: PNC Bank has around 2,400 branches across 29 US states and Washington DC. You may have to maintain a $5,000 balance to avoid the $12 monthly service charge. You'll want to be mindful of monthly service fees on the account, though. In certain markets, you can earn up to 1.75% APY on account balances of $1 million or more. The PNC Premiere Money Market Account might be a decent choice depending on where you live. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Low Cash ModeĀ® helps prevent overdraft fees on Spend account It indicates a confirmation of your intended interaction. Reserve and Growth funds can act as overdraft protection for the Spend account Performance Select reimburses $10/month and there are no PNC charges Performance Spend reimburses up to $5/month in out-of-network ATM fees charged by providers Access to Spend (checking account), Reserve (interest checking account), and Growth (savings account) ![]() No minimum opening deposit to open online International Services including language interpretation.$5.00 reimbursement of other financial institutionsā ATM surcharge fee per statement period.Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period.Mobile and Online Banking to manage your money how and when you want.Plus, still receive benefits standard to Virtual Wallet, like: Automatic enrollment for online statements and documents the first time you sign on to PNC Online Banking, and the option to choose paper statements at no charge.One incoming domestic or international wire transfer per statement period at no charge.One automatic courtesy refund of any Overdraft Item fees associated with the first overdraft event on your Spend account.You may be asked to provide proof of active enrollment in a qualifying educational institution. Open a new Virtual Wallet Student and get certain benefits for up to six years, including:
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