How long does it take to receive a new account bonus?

PNC will award the account bonus 90 days after completing the requirements to earn the bonus.

Can existing customers qualify for these promotions?

Not usually. PNC promotions are usually reserved for new customers, so current customers aren’t eligible to receive the bonus.

What happens if I close my account early?

You won’t be able to receive the reward if you close your account before meeting the requirements or before the time period specified during the promotion.

Are there any taxes on bank bonuses?

Yes. Most bank bonuses are considered taxable income, so you’ll receive a tax form for it. This will be either Form 1099-INT or 1099-MISC for bonuses of $10 or more.

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PNC Bank Bonuses: Best Offers for 2025

September 5, 2025

5 min Read

Written by Cynthia Bowman

Edited by Melanie Grafil

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GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

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Pittsburgh-based PNC Bank offers cash bonuses and special promotions to new customers. Keep reading to learn how you can qualify for current promotions so you can score some extra cash.

Current PNC Bank Promotions: September 2025

Here’s a quick look at PNC Bank bonuses currently on offer:

Account	Bonus Value	Expiration Date
Virtual Wallet®	$100	Nov. 17, 2025
Virtual Wallet with Performance Spend	$200	Nov. 17, 2025
Virtual Wallet with Performance Select	$400	Nov. 17, 2025
Business Checking Account	$400	Sept. 30, 2025
Business Checking Account Plus	$400	Sept. 30, 2025
Treasury Enterprise Plan	$1,000	Sept. 30, 2025
Analysis Business Checking	$1,000	Sept. 30, 2025

PNC Checking Account Promotion: Earn up to $400

PNC Bank lets you earn up to $400 for opening a new checking account. The amount you earn depends on the total qualifying direct deposits you establish.

Bonus amount: $100, $200 or $400
Minimum deposit to qualify: $500 for Virtual Wallet, $2,000 for Virtual Wallet with Performance Spend, $5,000 for Virtual Wallet with Performance Select
Expiration date: Nov. 17, 2025
How to claim: Open an account and move enough funds into your account with qualifying deposits within the first 60 days
When you’ll get it: Within 90 days of meeting the requirements
Terms and conditions: Gift card purchases, cash advances and balance transfers don’t count as qualifying purchases
Monthly fee: $7 per month, $15 per month or $25 per month, depending on the account, with ways to waive the fee

Learn more about this exclusive PNC bonus offer.

PNC Business Account Promotions

PNC has account promotions for business owners. You can receive $400 or $1,000 depending on which type of account you open and if you qualify for the promotion.

Business Checking and Business Checking Plus: $400 Bonus

Bonus amount: $400
Minimum spend to qualify: At least 10 qualifying PNC Bank Visa Business Debit Card transactions
Expiration date: Sept. 30, 2025
How to claim: Open an account, have a minimum average ledger balance of $2,000 for each of the first three statement cycles, and make 10 qualifying debit card transactions within the first three statement cycles
When you’ll get it: Within 90 days of meeting the requirements
Terms and conditions: Gift card purchases, cash advances and balance transfers don’t count as qualifying purchases
Monthly fee: $12 per month for Business Checking and $22 per month for Business Checking Plus, with ways to waive the fee

Find out more about the PNC business checking account offers.

Treasury Enterprise Plan and Analysis Business Checking: $1,000 Bonus

Bonus amount: $1,000
Minimum spend to qualify: $0
Expiration date: Sept. 30, 2025
How to claim: Open an account and have a minimum average ledger balance of $30,000 for each of the first three statement cycles
When you’ll get it: Within 90 days of meeting the requirements
Terms and conditions: Fulfill the minimum average ledger balance requirement
Annual fee: $50 per month if you do not maintain a $30,000 minimum balance for the Treasury Enterprise Plan; $25 per month for the Analysis Business Checking account

Learn more details about this business checking account bonus.

How To Qualify for a PNC Bonus

To snag some extra cash from PNC, you’ll need to open an account. The simplest way to open an account is to do it online.

In the event you need help along the way, you have the following options:

Reach out to PNC customer service at 888-PNC-BANK
Stop in at one of PNC’s branches and an associate will walk you through the process

How Does PNC Compare?

PNC’s bank account offerings offer many advantages, but how do they compare with other similar banks? Here’s a quick look at a savings account comparison.

Savings Account Comparison

Fees

$5 monthly

Up to $12 monthly service fee – can be waived

$5, waivable

APY

Up to for Platinum Savings accounts

Min Opening

$25

$25 to $50

Which PNC Bank Bonuses Are Right for You?

PNC Bank bonus offers are straightforward and don’t require large deposits or much spending. The checking account bonuses are a good fit if you live in PNC’s service area and could use some extra money for opening a new personal or business account.

PNC Bank Promotions FAQ

Have questions about how PNC Bank bonuses work? Here’s what you need to know before claiming your offer.

How long does it take to receive a new account bonus?
- PNC will award the account bonus 90 days after completing the requirements to earn the bonus.
Can existing customers qualify for these promotions?
- Not usually. PNC promotions are usually reserved for new customers, so current customers aren’t eligible to receive the bonus.
What happens if I close my account early?
- You won’t be able to receive the reward if you close your account before meeting the requirements or before the time period specified during the promotion.
Are there any taxes on bank bonuses?
- Yes. Most bank bonuses are considered taxable income, so you’ll receive a tax form for it. This will be either Form 1099-INT or 1099-MISC for bonuses of $10 or more.

More on PNC Bank

Marc Guberti contributed to the reporting for this article.

This article has been updated with additional reporting since its original publication.

Data is accurate as of Aug. 13, 2025, and is subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.