PNC Bank · U.S. checking accounts

PNC Simple Checking

Checking with no overdraft fees and a $5 monthly fee that can be waived with a qualifying recurring direct deposit or age. Opening deposit: $0 online or $25 in branch; documented branch route for international students without a U.S. tax ID.

Pros

In-branch support for international student applicants
Published direct-deposit and age-based waivers
No overdraft fee on PNC Simple Checking

Cons

Minimum opening deposit is $25 in branch; online opening has a $0 minimum.
International students without an SSN or ITIN must apply in person with the required passport and second ID.
$5 monthly unless a waiver condition is met.
Standard paper statements cost $2 per cycle unless an exception applies; online statements are free.
Wire, out-of-network ATM and 3% international transaction charges can apply.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	5 (currency not confirmed)
Minimum opening deposit	Not confirmed
SSN requirement	Conditional
ITIN accepted	Accepted
Credit check	NotStated

Fee waiver: Any qualifying recurring direct deposit during the statement period; an owner under 25 or age 62 or older; or qualifying PNC employee status. Ordinary wires, account transfers, P2P payments and cash/check deposits do not count as qualifying direct deposits.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: PNC’s international-student page specifically covers Simple Checking. U.S. citizens and resident aliens with an SSN or ITIN can apply online or in branch with accepted ID. Non-U.S. persons without an SSN or ITIN must apply at a branch with a valid photo passport (and photocopy) plus a U.S. student visa or student photo ID. Form W-8BEN can be completed before or at the appointment. Confirm your individual documentation and approval requirements.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	25 (currency not confirmed)
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing domestic wires: $25 self-service or $30 assisted. International wires: $40 self-service in USD, $5 self-service in foreign currency or $50 assisted. Eligible international money transfers have separate $5 self-service/$10 assisted fees. Additional exchange-rate or receiving-bank costs may apply.
Allpoint ATM	Not confirmed
Other ATMs	PNC Bank ATMs are free. Standard non-PNC ATM fees: $3 in the U.S., Canada, Puerto Rico and U.S. Virgin Islands; $5 elsewhere, plus unreimbursed owner charges. Confirm participating partner ATM treatment.
Cash deposit	Not confirmed