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PNC Bank

PNC Bank Virtual Wallet with Performance Select $400 Bonus

PNC Bank pays you $400 when you open a Virtual Wallet with Performance Select account and receive $5,000 or more in qualifying direct deposits within 60 days. The $25 monthly fee is waivable with $5,000 in monthly deposits or a $5,000 average balance. Soft credit pull. Available in 24 states.

Bonus amount
$400
Expires
May 28, 2026
Time to complete
~60 days
Bonus deposited in
~90 days
Difficulty
Medium

Requirements

Last verified: May 5, 2026

  1. Open an account

    Open your new account using the offer link before the offer expires.

  2. Set up direct deposit

    Establish total qualifying direct deposits of $5,000 in the first 60 days.

Reward credited 60–90 days after all conditions have been met (per offer disclosures).

Direct Deposit Data Points 58

Community-reported results for what triggers a qualifying direct deposit at PNC Bank.

104 total

View all direct deposit data points across every bank →

Account Details

Monthly fee$25/month
Fee waiver
  • $5,000 or more in qualifying monthly direct deposits
  • $5,000 average monthly balance
  • $25,000 in combined linked PNC accounts
Opening deposit$25
Min. hold period180 days

Must keep open for 6 months to avoid early closure fee.

Early closing fee$25
Credit inquirySoft pull only
ChexSystemsYes. May deny applicants with negative banking history.
AvailabilitySelect states (AL, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, TN, TX, VA, WI, WV)

Eligibility

Minimum age18+
Existing customersNot eligible

Cannot have a PNC checking account or have closed one in the past 90 days.

Can You Earn This Bonus Again?

Can rechurnYes
Cooldown730 days
NotesCannot have received a PNC checking bonus in the last 24 months.

Fine Print

Must keep your checking account open, in good standing, and have a balance of at least $0.01.

Taxable income · Reported on 1099-INT

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What is a direct deposit?

An electronic payment sent directly into your bank account, usually from an employer or government.

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Also see: this month's best bank bonuses and community DD data points.

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We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more