How to open a PNC Bank account
Opening a PNC Bank account is a little different than opening an account online at other banks. To help you prepare, here's what you can expect.
You'll need to give your name, date of birth, email address, primary address, phone number, Social Security number, and ID information. You'll also need to give employment information, such as your occupation and employer. At the end of this step, you'll review and submit your application, and you might also need to verify your identity through text or phone call.
2. Sign the terms and conditions
Once your application has been approved, you'll review the Terms & Conditions for your account, which might include an eConsent disclosure, rate sheet, fee schedule, and overdraft notification sheet. As tedious as this step may seem, don't skip over it.
At the very least, look closely at the fee schedule and understand what services and activities may result in a charge. When you're done, check the box near the bottom saying you've read and agree to the terms. You'll also need to check the box to certify your tax status.
3. State the purpose of your account
Next, you'll answer a few questions to help PNC understand how you expect to use your new account. Don't worry: These aren't trick questions. PNC is just complying with Know Your Customer (KYC) and Customer Due Diligence (CDD) policies, which aim to prevent illicit activities and money laundering. You'll answer a few simple questions around your account usage, cash transactions, domestic wires, and international transactions.
4. Open your account
If your account has a debit card, you'll create a unique PIN. PNC will also give you your bank account numbers. You'll want to save these numbers in a safe, secure place, as PNC doesn't let you see them within your account. And that's it -- your PNC Bank account is now open.