pnc bank college student credit card

PNC provides college students with student banking services such as checking accounts Making timely payments to your credit card accounts is critical to. Earn even more points with PNC Virtual Wallet or an eligible PNC Checking account when you meet Bank of America® Premium Rewards® Credit Card. Beginning in the spring of 2002, Penn State students, faculty and staff who are customers of PNC Bank will have the option of linking their id+ card (University.

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PNC Bank Student Checking Account Review

PNC Bank Student Checking AccountPNC Bank Student Checking Account

When you're looking for a student checking account, PNC Bank is a destination that you might consider.

With its 2,600 branches and 9,000 ATMs across 19 states, PNC Bank is among the options for anyone, including college students.

The bank’s Virtual Wallet Student includes a checking account with student-friendly tools.

It also includes other unique features to keep their money on track as they complete their education.

In this PNC Bank student checking Account review, we'll compare rates, fees, and services to other national and online banks.

Spend and Grow Your Money

PNC Bank’s Virtual Wallet Student is different because it offers three accounts in one.

When you apply for Virtual Wallet Student, you’ll receive a Spend account which functions as a primary checking account.

If you have a part-time or full-time job, or receive money from your parents, you can deposit cash or checks into this account.

Here's the interesting part:

Along with a primary checking account, Virtual Wallet Student also comes with a Reserve account and a Growth account.

The Reserve account is for short-term savings goals. Maybe you’re thinking about getting a new laptop or taking a trip with friends.

Your Growth account, however, is for long-term savings goals. Use this account to save a down payment for a house after graduation.

The difference between the Reserve and Growth account is that the latter features a higher interest rate to maximize your earnings.

PNC Student Checking Account Pros & Cons

ProsCons
  • No monthly fee for students
  • Money management features
  • No overdraft protection transfer fee
  • Mobile banking apps available
  • No check-writing
  • No ATM fee waivers/refunds

Avoid Fees with Overdraft Protection Services

With a Spend account, there’s the option of opting into overdraft protection services.

This helps you avoid expensive overdraft fees.

How it works:

You’ll link your Spend account with your Reserve and Growth accounts.

This provides peace of mind in the event that you forget to record a transaction and overdraw your account.

Your Reserve account serves as your main account for overdraft protection. If you don’t have enough cash in your Spend account to cover a transaction, funds from your Reserve account will transfer to your Spend account to avoid an overdraft.

In the event that you don’t have enough funds in your Reserve account for overdraft protection, your Growth account is the backup account.

The good news is.

There’s no overdraft protection transfer fee.

This is different from other banks. Some banks charge a fee for each day that an overdraft transfer occurs.

Keep in mind that if you don’t sign up for overdraft protection, PNC Bank may charge a $36 overdraft and returned item fee if you don’t have money in your account to cover a transaction.

Tip: PNC does offer its customers “one” courtesy fee refund on a returned item that occurs within the first 12 months of opening an account.

Open an Account With Little or No Cash

Getting started with Virtual Wallet Student is easy because there’s a low minimum deposit to open an account.

You can apply for an account in-person at a branch or online.

If you open an account in-person, the minimum opening deposit requirement is $25.

If you’re cash-strapped and need to open an account with less money, there’s no minimum deposit pnc bank college student credit card when applying for an account online.

Convenient ATM Access Near Campuses

A Spend account comes with an ATM card that also serves as your debit card.

Use this card to withdraw cash from PNC Bank ATMs and non-PNC bank ATMs.

There’s never a fee to withdraw money from a PNC Bank ATM.

But be aware, there’s a $3 fee each time you take money from a non-PNC Bank in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands.

If you’re traveling abroad with family or friends on vacation, feel free to take cash from a non-PNC Bank ATM for a $5 fee.

Now as a student, depending on your college or university, you may be able to access a PNC ATM on campus.

Or, you might find branches within walking or driving distance of your campus.

Some colleges and universities even partner with PNC Bank, allowing student ID cards to function as ATM cards.

What You Need to Know About Rates

Unfortunately, a Virtual Wallet Student Spend account isn’t an interest-bearing checking account.

So don’t expect to earn interest off of your deposits.

You can, however, earn interest from your Reserve and Growth accounts when you apply for Virtual Wallet Student.

You’ll earn interest on balances of $1 or more.

With that being said, it's important to get into a regular habit of depositing cash into your savings accounts.

The interest rate with the Reserve account is on par with other brick-and-mortar financial institutions.

The interest rate with the Growth account is tiered. So your rate increases as your balance increases. Growth account rates are competitive and comparable with rates offered by online banks.

Don’t Pay a Monthly Fee as a Student

Virtual Wallet Student is also unique because students don’t have to pay a monthly service fee under certain conditions.

If you open a PNC Bank account as a student, you must notify the bank of your student status before you can attain student benefits.

Be prepared to provide proof of active enrollment in school.

After graduation

You can enjoy the student monthly waiver for as long as you’re enrolled in a qualified educational institution.

But only up to a maximum of six years.

What happens is.

You can keep your Virtual Wallet account once you’re no longer eligible for student benefits, but you’ll have to pay a monthly service fee of $7 per month.

You can avoid the fee by maintaining a combined $500 average monthly balance in your Spend and Reserve accounts. The bank will also waive the fee if you have $500 in qualifying direct deposits per month.

What Other Fees Can You Expect?

Be mindful of other bank fees you’re responsible for with Virtual Wallet Student.

Although the bank charges an overdraft and returned item fee for insufficient funds, there’s no fee when your account is overdrawn by $5 or less.

Understand that if your account remains overdrawn for five or more consecutive days, PNC Bank charges $7 per day that your account is in the red, up to $98.

Be aware that there’s a $7.50 fee to replace an ATM or debit card. And if you use your debit card internationally, there’s a 3 percent foreign transaction fee.

Also, if you close your Spend account within 180 days of opening the account, the bank will charge a $25 early closure fee.

PNC Student Checking Account Fees

TypeFee
Monthly Maintenance Fee$0
Non-PNC ATM$3
Overdraft Fee$36
Returned Item$36
Stop Payment$33
Deposited Item Returned$12
Domestic Wire Transfer (incoming)$15
International Wire Transfer (incoming)$15
Cashiers Check$10

Manage Your Account From Anywhere

Here's the bad part:

Virtual Student Wallet doesn’t come with free checks.

Even so, you can take advantage of online and mobile banking features. This results in seamless, simple account management.

Both options include a wide selection of services and benefits to accommodate your banking needs.

Check your account balance 24 hours a day, seven days a week from any location. You can also transfer money between accounts and schedule online bill pay for free.

You can avoid branch visits by using the mobile app to deposit checks from your smartphone or tablet.

Other convenient mobile and online features include:

  • PopMoney (send and receive money electronically from anywhere)
  • Text Banking
  • ATM Locator Tool
  • Online Statements
  • PNC Deposit Easy

Tips to Compare Other Student Checking Options

Student checking account features vary from institution to institution.

So make sure you research and compare banks to find an account that’s right for your situation.

No two banks are alike.

For this reason, not every bank offers student-friendly tools. As you compare student checking options, look for accounts you can open with no minimum deposit requirement.

Also, find a bank that offers ways to avoid the monthly service fee — as a student and beyond.

Avoiding monthly fees is particularly important if you’re a student with limited income.

Also, don’t forget to ask questions about the status of a student checking account once you’re no longer enrolled in a qualified educational institution.

Will you be able to keep the checking account? Or will you have to switch to a different type of account?

Finally, is this bank convenient for you as a college student and for your parents, who may need to deposit funds into your account?

Student Checking Accounts Monthly Maintenance Fees

Bank AccountMonthly FeeHow to Avoid Fee
Bank of America Advantage Plus$12Monthly fee waived if enrolled in college and under 24, or a monthly direct deposit of $250, or $1,500 avg. daily balance
Wells Fargo Everyday Checking$5 Monthly fee waived with 10 debit card purchases/payments, $500 in total direct deposits, $1,500 minimum daily balance, or linked Wells Fargo Campus ATM or Campus Debit Card
Chase College Checking$6Monthly fee waived with if enrolled in college, or have a monthly direct deposit, or a $5,000 avg. daily balance
Citibank Student Account *no longer available$0Graduation or when no longer enrolled in school
U.S. Bank Student Checking$0
PNC Bank Virtual Wallet Student$7Monthly fee waived with if enrolled in college, or $500 total direct deposits, or $500 avg. daily balance, or avoid using a PNC branch
Capital One 360 Checking$0
TD Bank Student Checking$0
BB&T Student Banking$0Monthly fee waived with if enrolled in college
SunTrust Essential Checking$7Monthly fee waived with if enrolled in college, 10 banking transactions, $500 total direct deposits, or $500 min. daily balance

Final Verdict: Is Virtual Wallet Student for You?

PNC Bank’s Virtual Wallet Student is worth consideration if you’re looking to open a checking account with a bank that has a strong presence on or near college campuses.

Keep in mind that PNC Bank is only in 19 states. So make sure there are locations in your hometown and your campus town before signing up. Also, amazon com > my account with pnc bank college student credit card college or university to see if it partners with PNC. If so, you might be able to use your student ID as an ATM card.

The downside to the Spend account is that it doesn’t earn interest. But once you graduate, find a job, and are able to maintain a larger balance in a checking account, you can always explore other options. This includes an interest-bearing online checking account. This account will likely have a higher rate than those offered by a local bank.

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Источник: https://www.mybanktracker.com

PNC Student Loans: 2021 Review

PNC Bank is well known for its checking and savings accounts, home mortgage products and personal loans. However, PNC also offers a robust selection of student loan options geared toward college students of all stripes, as well as borrowers who want to refinance their existing student loans.

While PNC student loans could work for anyone, these loans are best for borrowers with good credit who want to pay down their student debt as quickly as they can.

PNC features

PNC offers student loans for undergraduates and graduates, as well as loans for residency and bar study. You can also refinance existing student loans with the lender.

PNC’s interest rates are incredibly competitive, although PNC says that you’ll need two years of “satisfactory credit” to qualify on your own. As an alternative, you can apply for PNC pnc bank college student credit card loans with a co-signer, which could help you qualify for the best rates and terms.

PNC also stands out due uib organisasjonsnummer the many resources its student customers can access. For example, it has its own student banking hub, as well as a student loan learning center.

PNC student loan snapshot

Loan typesUndergraduate, graduate, health professions, residency, refinancing
Loan amountsPrivate loans: $1,000 to $65,000
Refinancing loans: $10,000 to $75,000
Interest ratesPrivate loans: Starting at 1.96% variable APR, Starting at 3.69% fixed APR (with autopay)
Refinancing loans: Starting at 2.22% variable APR, Starting at 3.44% fixed APR (with autopay)
Repayment termsPrivate loans: 5 to 15 years
Refinancing loans: 5 to 15 years
Grace period6 months
Co-signer required?No

Pros and cons of PNC student loans

PNC student loans can be a good option if you’ve maxed out federal student loan options and need to borrow a little more to pay for school. With that being said, here are some of the main advantages and disadvantages you should know about.

Pros

  • Co-signer release option: Once you have made 48 months of on-time payments on your student loans, you may request a co-signer release.
  • Big discount for autopay: PNC offers a 0.5 percent discount for automatic payments, double what most other companies offer.
  • No degree required to refinance: PNC lets you refinance student loans regardless of whether you finished your degree program, although you’ll have to meet all other eligibility requirements to qualify.

Cons

  • Lower loan limits won’t work for everyone: PNC has lower loan limits that can disqualify some who are borrowing considerable sums for higher education.
  • No way to prequalify: Some student loan companies let you prequalify and see the interest rate you can qualify for before you apply; PNC does not.
  • Limited loan terms: PNC lets you repay your student loans over five, 10 or 15 years, which is less flexible than the repayment timelines of other lenders.

PNC student loan requirements

Qualification requirements for a student loan from PNC vary slightly by loan type.

For undergraduate, graduate and professional student loans, you must:

  • Be enrolled at least half time in a degree program.
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit and proof of employment and income history, or have a co-signer who meets qualifications.
  • Meet unspecified debt-to-income ratio requirements.

For residency student loans, you must:

  • Be participating in a PNC-approved M.D., D.D.S., D.O. or D.V.M. residency program (or planning to participate in a residency program within a year).
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit with proof of employment and income history.
  • Meet unspecified debt-to-income ratio requirements.

For bar study loans, you must:

  • Be planning to take the bar exam no later than six months after graduation.
  • Have graduated from a PNC-approved law school within the last six months (or be a professional student enrolled at least half time at a PNC-approved law school scheduled to graduate within the next six months).
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit and proof of employment and income history.
  • Meet unspecified debt-to-income ratio requirements.

For student loan refinancing, you must:

  • Have at least 24 months of positive repayment history on private or federal student loans.
  • Be able to pass a credit check.
  • Be a U.S. citizen or permanent resident.
  • Be able to prove two years of continuous income or employment history.

Who is this loan good for?

PNC student loans are a good option for anyone who has maxed out scholarships, grants and federal student aid, especially since PNC offers such low rates.

Also consider the fact that refinancing loans offered through PNC do not require the borrower to graduate from college first. This makes the company a good option for anyone who needs to refinance their student loans even though they haven’t earned a college degree.

Interest rates and terms

PNC offers student loans with variable or fixed interest rates, and you can secure a 0.5 percent rate discount if you set up your loans for automatic payment. The following chart includes this interest rate discount:

Loan productVariable rateFixed rate
Undergraduate loansStarting at 1.96% APRStarting at 3.69% APR
Graduate and professional loansStarting at 1.96% APRStarting at 3.49% APR
Health professions loansStarting at 1.96% APRStarting at 3.49% APR
Health professions residency loansStarting at 1.96% APRStarting at 3.49% APR
Bar studyStarting at 1.96% APRStarting at 3.49% APR
Refinance loanStarting at 2.22% APRStarting at 3.44% APR

Fees and penalties

PNC does not have application fees, origination fees or prepayment penalties. However, you may be subject to a late fee of 5 percent or $5, whichever is less.

What are repayment terms and grace period for PNC?

PNC student loans come with repayment terms that can last five, 10 or 15 years, depending on your needs and your budget. You can also choose from three repayment options: deferred payments while enrolled in school, interest-only payments while in school and full payments immediately.

In the case of deferred payments, the grace period ends six months after you graduate or are no longer in school on at least a half-time basis.

Customer service

PNC makes it easy to speak with a representative if you have questions about its student loan products. You can call the bank at 1-800-762-1001 Monday through Friday from 8 a.m. to 5 p.m. ET, or you send an email through the company’s contact form. You can also stop in a brick-and-mortar PNC bank branch if you live near one.

How to apply for a loan with PNC

You can apply for a student loan through PNC directly on the company website. Plan on gathering the following information ahead of time:

  • Your Social Security number.
  • Your school information (including field of learning and enrollment period).
  • How much you want to borrow.
  • Information on other bills you have, such as your mortgage or rent amount.
  • Information on other financial aid you have received.
  • Your financial information and employment history.

Any co-signer you’re considering for your loan will need to provide their Social Security number, along with their financial information, employment information and address.

What to do if your application gets turned down

If you are rejected for a student loan from PNC, there are a few different options to consider. You can start by reaching out to PNC to request clarification. You may be able to find out information on your denial that could help you get approved with another student loan company, but it’s also possible that there was a processing error on your application.

If you applied without a co-signer, you can also consider asking a trusted family member to lend their good credit and apply with you on your loan. Doing so could help you get qualified for the student financing you need with much better rates and terms than you could qualify for on your own.

How Bankrate rates PNC

Overall Score4.3
Repayment Options4.0
Affordability4.3
Customer Experience4.5

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review pnc bank college student credit card accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

Источник: https://www.bankrate.com/loans/student-loans/reviews/pnc/

Marymount Tuition

Category/ ProgramUndergraduate programs Business- Technology GraduateGraduate Education programOther Graduate Program Doctor of Physical Therapy
Tuition 36,145    21,76117,171   21,58140.470
Housing14,686 16,980   16,980  16,98016,980
Transportation, books, supplies 6,250 6,2506,250 6,250 6,250
Total in US Dollar ($) 57,08144,99140,671 44,811  63,700

 

Financing Your Education at Marymount:

Most students live on a limited budget. It is important that you learn how to manage your money well while studying in the United States. Familiarize yourself with the value pnc bank college student credit card the dollar and never carry large amounts of cash with you or leave it in your room or apartment. 

When planning a budget to finance your education in the US you need to include costs for tuition, housing, food, health insurance, transportation, books and other additional expenses. In order to obtain the immigration documents to be eligible for an international student visa  F-1, Homeland Security requires students to demonstrate an official copy of the bank statements showing the total amounts below based on your program. Regardless of if you will live on or off campus, or you will have more affordable accommodations, you still need to show the estimated amount to cover all living expenses around campus.

If you have been awarded a scholarship or a Graduate assistantship from Marymount, you may deduct the scholarship amount and demonstrate the remaining funds in a bank statement plus the letter that confirms the award.

Students sponsored by their government or other institutions will walmart vizio smart tv a financial guarantee from their sponsor that should be valid within aol online help next year.

Ways to pay your education

Managing your personal finances

In the United States, it is customary to pay by debit card, credit card or check, rather than using cash, because it is generally safer. It is recommended that you open a bank account as soon as you arrive in the U.S. This will give you access to your pnc bank college student credit card easily and pnc bank college student credit card for paying any bills by check and for obtaining a debit card.  There are several commercial banks within walking distance of the University, but Marymount University has a partnership with PNC which many international students use. Most banks offer similar services although the service fees might differ.

Here are some resources to help you on your Financing journey:

 

Источник: https://marymount.edu/academics/center-global-engagement/international-admissions/banking-money/

Search the site

When I was an incoming international first-year student, I remember being super excited about Princeton but also having lots of burning questions about arrival. I wondered to myself, will I need to open a bank account? Where should I buy school supplies? What type of phone plans exist in the United States? I decided to create this four-step guide of my experience in order to help incoming international students with their transition.

Step One: Open a Bank Account

Getting a debit card is crucial to help you pay for expenses and having a U.S. bank account will make it easier to receive money from international currencies. While you will have to build up credit in order to apply for credit cards, it is always good to start by opening a bank account and build a relationship with that bank so that you can later secure a credit card. PNC Bank has a branch located just in front of the University, I highly recommend going there first!

Step Two: Get stubhub contact seller SIM Card

It is important to have a U.S. phone number and some type of pnc bank college student credit card plan. While on campus, you won’t need cellular data because you can use the University’s wifi. However, when you go off campus or to New York City, it is always a good idea to have internet access. Verizon, AT&T and Mint are all good options. During International Orientation, phone companies come to campus to help open up accounts, so be sure to be on the lookout for that!

Step Three: Find Dorm Furnishings

While many domestic students are able to bring basic living supplies from their home, international students basically start from scratch. You won’t have to buy any big furniture such as bed frames and closets, as those will already be in your dorm room. However, you will want to get pillows, bed sheets, a mirror, writing supplies, etc… I recommend the U-Store which is located on campus if you prefer convenience and Target if you want more variety in options. 

Step Four: Prepare for Classes

With a phone, debit card and a furnished dorm room, you are all set to start your Princeton undergraduate career! In terms of preparing for classes, you will want to check what textbooks are required so you can get them at the local bookstore, Labyrinth. You can always borrow books at Firestone library if they are available, or sometimes professors will upload digital versions of the reading material. 

These are just a few steps that helped me as an international student at Princeton. I understand how daunting it could be to move to another country, but with these steps and the assistance you’ll receive during International Orientation, you will be well on your way to making Princeton your second home!

Источник: https://admission.princeton.edu/blogs/international-students-guide-arrival

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge pnc bank college student credit card posted.

Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

These offers are no longer available on our site: PNC Cash Rewards® Visa® Credit Card, PNC Core® Visa® Credit Card

If you’re interested in perks like cash back or travel miles, PNC credit cards can be a good addition to your wallet. But to apply for a PNC credit card, you’ll have to live in a state where PNC Bank has a physical branch.

Looking for a new credit card? See My Approval Odds

Best for cash back: PNC Cash Rewards® Visa® Credit Card

Here’s why: The PNC Cash Rewards® Visa® Credit Card offers high cash back rates on everyday spending, has a $0 annual fee and even offers a small sign-up bonus.

The drawback? The potential value of the cash back is weakened by the PNC Cash Rewards® Visa® Credit Card’s limits. Cardholders get 4% cash back for purchases at gas stations (both in-store and at the pump); 3% cash back for purchases at full-service restaurants, cafes, cafeterias and fast-food restaurants; 2% cash back for purchases at grocery stores; and 1% cash back for all other purchases. But there’s an $8,000 annual cap on purchases eligible for the 4%, 3% and 2% cash back rates.

After you reach that spending cap, you’ll earn 1% cash back on all purchases until your next account anniversary date. Also, your cash back can be redeemed as a statement credit or deposited into a qualifying PNC san jose city college fall 2019 classes account — as long as you have at least $25 in your PNC cash rewards account.

If you typically make purchases in these qualifying categories, you stand to bank a lot of cash. But the $8,000 annual cap can be a big drawback for high spenders who might benefit from a different cash back card with a constant cash back rate.

Finally, the PNC Cash Rewards® Visa® Credit Card also offers a $200 bonus in the form of a monetary credit that posts to your statement if you apply for the card on PNC.com and spend $1,000 in purchases within 3 billing cycles of account opening.

Best for balance transfers: PNC Core® Visa® Credit Card

Here’s why: The PNC Core® Visa® Credit Card has some great offers if you’re looking to make a big purchase or consolidate debt, and it has a $0 annual fee.

The PNC Core® Visa® Credit Card comes with an introductory 0% APR for purchases for the first 15 billing cycles following account opening, and then you’ll have a variable APR of 10.99% - 22.99% based on prime rate. 

New cardholders can also take advantage of an introductory 0% APR for the first 15 billing cycles from account opening on balance transfers, as long as the balance transfer is made within 90 days of account opening. After that, the variable APR for balance transfers will be 10.99% - 22.99% based on prime rate.

If you’re looking to save money by transferring your balance, the balance transfer fees will eat into some of your savings. During the first 90 days, there is an intro fee of 3% ($5 minimum) of the balance. Afterward, the fee rises to either $5 or 4% of the amount of each transfer, whichever is greater. And if you make a late payment, you may lose the intro APR altogether — plus pay a variable penalty APR of 28.99% based on prime rate, which applies until you make six consecutive payments on time.

There are no rewards with this card, so to get the most out of it, make sure you complete any balance transfer you want to make within 90 days. If possible, you should try to create a plan to pay off your debt within the first 15 billing cycles, while the introductory APR still applies.

Read our review of the PNC Core® Visa® Credit Card to learn more.

Best for travel rewards: PNC Premier Traveler® Visa Signature® Credit Card

Here’s why: With the PNC Premier Traveler® Visa Signature® Credit Card, you’ll earn two miles for every $1 spent on all eligible purchases.

The sky’s the limit on the number of miles you can earn with the PNC Premier Traveler® Visa Signature® Credit Card. Miles are worth 1 cent each — but since you earn two miles for every $1 spent, you’ll be earning 2 cents for each $1. Plus, you’ll earn 30,000 miles as a sign-up bonus after spending at least $3,000 in purchases during the first three billing cycles after your account opening.

The drawback to the PNC Premier Traveler® Visa Signature® Credit Card is the annual fee, which is $85 ($0 in the first year). You can offset that by spending nearly $355 per month, but you may prefer a travel card with no annual fee. If you do opt for this card, take care not to spend more than you can comfortably afford to pay back.

Looking for a new credit card? See My Approval Odds

How we picked these cards

We reviewed all PNC credit cards and identified the best rewards and features on each one and how much those rewards are worth when you redeem them. We also considered how people typically like to be rewarded. Cash back is a flexible reward, but if you’re a frequent traveler, then your spending may align better with a travel credit card. And if you’re looking to save money on a balance transfer, you’re probably eyeing cards that offer an introductory 0% APR on balance transfers. We then analyzed fees and interest rates, noting when cardholders will have to deal with them.

While PNC credit cards offer solid rewards, there’s one major restriction: To apply, you’ll need to live within PNC’s footprint.

PNC Bank branches and ATMs can be found in a number of states, but not all. Before getting your heart set on a card, check if PNC accepts applications from your state. Even if they do, you may want to ensure that there is a branch or ATM in your area.

If you don’t live in an area where PNC accepts applications, check out other cash back and travel credit cards outside of this bank.

How to make the most of a bank’s credit cards

If you’re searching for a new piece of plastic, there’s generally no shortage of options in the credit card world. But if you have a checking or savings account, your bank may offer credit cards with rewards reserved just for bank members. Check out credit card offers from your bank and elsewhere, and compare APR, fees, rewards and special benefits.

As you’re shopping around for the right card, consider these factors.

  • If you already belong to a bank, like PNC Bank or Bank of America, does it offer credit cards with special relationship discounts or perks?
  • If you want a specific bank credit card but you don’t belong to the bank, do you need to join in order to get the card?
  • What are the requirements for getting that relationship reward? For example, you may need to keep a certain amount of money in a checking or savings account. Would you qualify?
Looking for a new credit card? See My Approval Odds

About the author: Kim Porter is a writer and editor who has written for AARP the Magazine, Credit Karma, Reviewed.com, U.S. News & World Report, and more. Her favorite topics include maximizing credit card rewards and budgeting. Wh… Read more.

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Источник: https://www.creditkarma.com/credit-cards/i/best-pnc-bank-credit-cards

Pnc bank college student credit card -

Banking resources

PNC Bank logo PNC Bank offers a complete set of money management tools and special benefits to Gettysburg College faculty, administrators, staff, and students to help you achieve your financial goals. To start enjoying the many benefits of a PNC Student Banking or a Work Place Banking account select from additional information below or call PNC's Breckenridge Street office at 717-334-4382.

College Banking Services Agreement (PDF)

Total consideration paid in the period July 1 2020, through June 30, 2021 under the agreement: $10,000

Total number of customers holding student financial accounts which originated under the contract from July 1, 2019 through June 30, 2021: 224

Mean student costs: $7.31 in the year ended June 30, 2021

Median student costs: $0.00 in the year ended June 30, 2020

Major Features and Commonly Assessed Fees - Virtual Wallet Student

URL to Account Information:

https://pnc.com/vwstudentsummary

Major features and commonly assessed fees for Virtual Wallet Student accounts can be found at the URL noted above.

PNC Campus ATM & Branch Locations

Campus ATM location: (free for PNC Bank account holders/$2 service charge for all other banks)

  • College Union Building (CUB) entrance, facing the Dining Center - advanced function ATM, which is capable of accepting deposits, cashing checks, and cash withdraws.

Branch locations:

Call Center 1(877)PNC-1000 / 7 a.m. to 10 p.m. ET

Banking Days

PNC Banking representatives will be on campus to provide financial assistance to its Gettysburg College students and employees. Plan to stop by the CUB from 11:00 - 1:00 on the 1st & 3rd Thursdays each month during the academic semesters if you have questions or are interested in:

  • Online, Mobile & Text Message Banking Assistance
  • Opening Accounts
  • Ordering New Debit Cards & Checks
  • Auto Alerts & Bill Payment Assistance

And much more...

Financial Education Seminars:

PNC Bank hosts a variety of financial seminars on campus. Past seminars were titled Budgeting, Raising Money Smart Kids, & Identity Theft. Employees receive 2 wellness points for each seminar attended. Stay tuned for the next seminar.

Achievement Sessions:

PNC Achievement Sessions: Practical sessions taught by real-world experts on financial topics that matter to you! PNC wants you to have the knowledge and confidence to manage your money. That's why we created PNC Achievement Sessions-practical sessions taught by real-world experts on financial topics that matter to you. Just visit here to find out more!

If you have any questions or suggestions for a financial topic, please e-mail [email protected]

PNC credit card with the Gettysburg College cupola printed on it

Student Banking

Show Your Gettysburg College Pride

PNC Bank offers a banking program for Gettysburg College students which includes:

  • Virtual Wallet Student - Helps manage life on campus, with features like Quickview, the Calendar and the Money Bar
  • Free Gettysburg Visa debit card
  • Unlimited PNC ATM/check card usage
  • Free online banking, mobile banking, and text message banking
  • One free incoming domestic or international wire transfer per monthly statement cycle
  • One free overdraft refund within the first year of opening account
  • Free Auto Alerts - an email/text notification when your account balance falls below a specified balance, when a direct deposit is credited to your account, or if you have an overdraft of your account balance

PNC for Students

WorkPlace Banking

Show Your Gettysburg College Pride

Pillars Insert:

PNC Bank sponsors the Gettysburg College Support Staff Pillars newsletter. Below are recent articles.

Источник: https://www.gettysburg.edu/offices/financial-services/banking-resources

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When I was an incoming international first-year student, I remember being super excited about Princeton but also having lots of burning questions about arrival. I wondered to myself, will I need to open a bank account? Where should I buy school supplies? What type of phone plans exist in the United States? I decided to create this four-step guide of my experience in order to help incoming international students with their transition.

Step One: Open a Bank Account

Getting a debit card is crucial to help you pay for expenses and having a U.S. bank account will make it easier to receive money from international currencies. While you will have to build up credit in order to apply for credit cards, it is always good to start by opening a bank account and build a relationship with that bank so that you can later secure a credit card. PNC Bank has a branch located just in front of the University, I highly recommend going there first!

Step Two: Get a SIM Card

It is important to have a U.S. phone number and some type of data plan. While on campus, you won’t need cellular data because you can use the University’s wifi. However, when you go off campus or to New York City, it is always a good idea to have internet access. Verizon, AT&T and Mint are all good options. During International Orientation, phone companies come to campus to help open up accounts, so be sure to be on the lookout for that!

Step Three: Find Dorm Furnishings

While many domestic students are able to bring basic living supplies from their home, international students basically start from scratch. You won’t have to buy any big furniture such as bed frames and closets, as those will already be in your dorm room. However, you will want to get pillows, bed sheets, a mirror, writing supplies, etc… I recommend the U-Store which is located on campus if you prefer convenience and Target if you want more variety in options. 

Step Four: Prepare for Classes

With a phone, debit card and a furnished dorm room, you are all set to start your Princeton undergraduate career! In terms of preparing for classes, you will want to check what textbooks are required so you can get them at the local bookstore, Labyrinth. You can always borrow books at Firestone library if they are available, or sometimes professors will upload digital versions of the reading material. 

These are just a few steps that helped me as an international student at Princeton. I understand how daunting it could be to move to another country, but with these steps and the assistance you’ll receive during International Orientation, you will be well on your way to making Princeton your second home!

Источник: https://admission.princeton.edu/blogs/international-students-guide-arrival

PNC virtual wallet credit card linking—a convenient way to manage your savings!

Managing your finances can be a challenging endeavor. PNC understands this, and that is why they have developed a digital money-management platform called PNC virtual wallet. This app packs a ton of useful features that can assist you with saving money, budgeting, analyzing your spendings, etc. Note that, depending on the state you live in, fees and services may vary.

PNC virtual wallet even allows you to link your credit card to the app in a few simple steps.

If you are looking for an option that will allow you to tidy up your spendings meticulously, PNC’s virtual wallet is the way to go.

How to link a PNC credit card to the virtual wallet?

There are many reasons to link your PNC credit card to the virtual wallet. Among other features, you would gain access to:

  1. Calendar—allows you to analyze dates and balances, spending accounts, as well as other vital credit card information
  2. Alerts—provide a safe way to stay on track with your credit card usage
  3. Spending Zone—enables you to better understand your spendings through sorted and categorized credit card transactions

To link your PNC credit card to the wallet, you have to:

  1. Open your PNC virtual wallet
  2. Click on the Preferences tab
  3. Select Account Setup
  4. Under Credit card currently included, select edit
  5. Add your new and eligible PNC credit card to the virtual wallet

Getting a PNC virtual wallet

Getting started with your virtual wallet journey does take some time, as the process of opening an account is a bit time-consuming. These are the steps you would need to take:

  1. Visit PNC’s website and click on Get Started
  2. Provide the required information such as your full name, social security number, residential address, date of birth, etc.
  3. Choose to receive your PIN code via mail, or indicate the one you would like to use for your account
  4. Provide information on the external account you would like to use to fund your virtual one. Keep in mind that you will have to deposit $1 to activate it
  5. Lastly, download the PNC virtual wallet app to manage your account while waiting for the virtual wallet debit card to arrive in the mail

Basic overview of the PNC virtual wallet

To better understand how PNC’s virtual wallet works, let us run through the basic information you will need, such as interest rates, ATM access, minimum deposit, etc.

Fees

●     $7 for the Basic package

●     $15 for the Performance Spend package

●     $25 for the Performance Select package

Minimum deposit

To be able to open a PNC virtual wallet, you will have to put down a deposit of $25 or higher ($0 if you do it online)

Monthly transaction limits

You are allowed to make six transactions each month through your PNC virtual wallet

Annual Percentage Yield (APY)

Including relationship rates, standard fees are 0.01% on balances of $1 or higher

Waiving fees

There are ways to waive your monthly fees by:

●     Being over 62

●     Being a student of an eligible educational institution

●     Sustaining a combined balance of $500 across your checking and savings each month

●     Depositing $500 each month to your savings account

ATM access

From the Basic package upwards, you gain free access to over 9,000 PNC ATMs

What about virtual credit cards?

Instead of  PNC’s virtual wallet or other mobile wallets, many people decide to opt for a virtual credit card.

VCCs are basically digital replacements for standard credit or debit cards. They have become extremely popular due to their improved data security. Namely, when an issuer provides you with a virtual credit card, it is randomly generated, and in most cases, linked to a single online transaction. Some issuers, like DoNotPay, do not even require that you link your static card with the virtual one.

Virtual credit cards come with a plethora of benefits, such as being able to set a maximum charge limit on your card, locking it to a single merchant, stopping unauthorized charges to your account, and many others.

Pros and cons of virtual credit cards

Whether virtual credit cards will work for you or not depend entirely on your needs. Before you make your final decision, take the following advantages and disadvantages of VCCs into account:

Pros

Cons
You can use a virtual credit card to set up a recurring monthly payment plan

VCCs can only be used for online purchases

You can set a maximum charge limit on your virtual credit card

You cannot withdraw cash by using a virtual credit card
You can lock your virtual account to a single online retailer

In some cases, you will have to manually enable eCommerce services on your VCC

In case a website gets hacked, your personal information stays protected

You can use a virtual credit card to stop unauthorized charges to your account

Unlike physical credit cards, VCCs do not reveal your personal information

PNC virtual wallet options

Depending on what you need, there are four different packages to choose from:

  1. Basic PNC Virtual Wallet—Includes free access to over 9,000 PNC ATMs and checking and savings account for a $7 monthly fee
  2. Virtual Wallet with Performance Spend—$15 per month to acquire, and you can earn interest on your two-in-one checking and savings account
  3. Virtual Wallet with Performance Select—Comes with reimbursements for all ATM fees, highest interest rates, and free add-on accounts for $25 per month
  4. Virtual Wallet Student—Includes two ATM fee reimbursements per month, no monthly fees, and an interest-bearing combo account

DoNotPay’s virtual credit card—a better alternative?

If you are looking for a safe way to make online transactions, DoNotPay’s Free Trial Card might be the one for you. Our app does an amazing job of preventing fraudulent merchants from charging your account with subscription fees you did not agree on.

To gain access to our free services, you just have to open DoNotPay through a web browser.

You can pick any available card number, security code, and CVV for your new virtual card.

In terms of security, we really go the distance and even provide you with a temporary email address. This address serves the purpose of stopping shady merchants from putting your real email on spammy marketing lists. Of course, we will forward all new messages directly to your genuine email address to help you stay in touch.

All of our virtual credit cards work on a short-term basis, meaning that they are linked to single transactions. For example, you can use our VCC to authorize a free trial subscription, but as soon as the transaction gets verified, the card will stop being valid. This way, the provider will not be able to charge your account when the billing date comes.

Here are all the things our Free Trial Card can do for you:

  1. Generate a random credit card number
  2. Automatically approve billing pages and free trials
  3. Cancel subscriptions on your behalf
  4. Stop unauthorized subscription charges to your account

Virtual wallets vs. virtual credit cards

Probably the biggest downside of virtual wallets is the fact that they are not as widely accepted as virtual credit cards are. That being said, these two digital payment methods have a few things in common, like improved data security and hassle-free online payments.

Mobile wallets, like PNC’s virtual wallet, are apps that you can use to manage your spendings safely and securely. What sets virtual wallets apart—besides the fact that there is no risk of dropping your wallet somewhere—is that they can be used for both online and offline payments. Plus, you can use your virtual wallet to withdraw cash, which is not something virtual credit cards are capable of providing. While VCC issuers mostly provide virtual card services for free, virtual wallets can be costly due to included processing fees. To understand their differences better, let us compare these two contraptions:

Virtual credit cards

Mobile wallets
Cannot be used for cash withdrawal

Can be used for cash withdrawal

Can be used for online purchases only

Can be used for both online and offline purchases
Mostly free of charge

Include processing fees

Cannot store additional documentation

Can store additional documentation such as loyalty cards and driver’s licenses

Virtual wallet upsides

If convenience is what you are after, virtual wallets might be the right choice for you. The biggest advantages of mobile wallets are:

  • Verifying a transaction is easily done through your device’s biometrics or a PIN code
  • You can make offline and online purchases with virtual wallets
  • You can withdraw cash from your mobile wallet
  • E-wallets can store other documentation such as your driver’s license or loyalty cards

Virtual wallet downsides

While mobile wallets may be flexible and convenient to use, there are certain shortcomings you should be aware of before deciding to use one:

  • Not all stores support virtual wallet payments yet
  • Your phone needs to be charged and with you to be able to use your virtual wallet
  • Mobile wallets often come with costly processing fees that can make them more expensive than credit cards

Virtual credit card upsides

It is no wonder that virtual credit cards are more commonly used than virtual wallets when you take the following benefits into account:

  • All online stores that support credit card payments support VCCs
  • You can set a maximum charge limit on your virtual card
  • You can lock your virtual card to a single online retailer
  • You can use a VCC to set up a recurring monthly payment plan
  • In case of a data breach, your personal information is not compromised

Virtual credit card downsides

VCCs are one of the safest payment methods you could settle for, but that does not mean that they do not come with a few drawbacks:

  • VCCs can only be used for online purchases
  • In some cases, you will have to manually enable eCommerce services on your VCC
  • You cannot withdraw cash with your virtual credit card

Looking for a virtual credit card?

A lot of major American banks and third-party companies provide virtual credit card services to their customers. If you have found out that PNC’s virtual wallet does not suit you, you can turn to the following VCC issuers for a solution:

VCC issuer

Service details
DoNotPay

DoNotPay’s Free Trial Card puts a stop to unauthorized subscription charges to your account. Our services are completely free of charge, and we will not ask you to link your physical credit card with the virtual one. We will even provide you with a temporary email address so that your real one does not end up on shady email lists!

American Express

Amex offers a neat solution to businesses in need of virtual credit card services. Through their American Express Go program, you can claim a virtual credit card and share it with your team. Every employee will have the option to add funds to the card if need be. Business owners often opt for the American Express Go program as it is an effective expense management solution.

Citibank

To get access to Citibank’s virtual credit card services, you have to log in to your account and select enroll. Much like DoNotPay’s virtual card, Citibank offers short-term VCC accounts that can be used for single transactions only. If you need a virtual card to use for recurring payments, Citibank might not work for you.
Capital One

Capital One provides VCC services through its digital assistant called Eno. What is amazing about it is that you can install Eno as a web browser plugin that will automatically pop up during check out and ask you if you want to use a new virtual card for the upcoming transaction. Keep in mind that setting a maximum charge limit is not available with Capital One’s virtual credit cards.

Putting your virtual credit card to good use

Virtual credit cards are not just a safe way to make online payments. These apps sport a lot of different features, such as:

  1. Canceling free trials before they turn into paid subscriptions
  2. Locking your virtual account to a single merchant
  3. Setting a charge limit on your virtual credit card

Making the best of a free trial with DoNotPay

DoNotPay does a great job of tackling the issue of unauthorized charges to your account. Many websites provide free trial periods to test out their services, but when the billing date comes, they readily charge you with the subscription fee without your consent.

Through our app, you can generate a random account number that will approve the free trial, but as soon as the website tries to charge you with the subscription fee, the transaction will get declined. With DoNotPay, you will finally be able to enjoy free trials as a cost-free experience. Here are a few services that you can subscribe to with DoNotPay:

  • Hulu
  • Twitch
  • Amazon Prime
  • Netflix
  • Adobe
  • Starz
  • CBS All Access
  • Tidal
  • Showtime
  • Postmates

You decide who charges your account

Another useful feature of virtual credit cards is that you can lock your account to a single online retailer. By doing this, you prevent other fraudulent merchants and hackers from charging your account if they get a hold of your information. This feature also comes in handy when you have found a reliable provider to purchase services and products from each month.

You decide how much you will get charged

Some VCC issuers allow you to set a maximum charge limit on your virtual credit card. Since it is not unusual to find unexpected and unauthorized charges on your credit card statement, this feature truly makes a difference. Let us say that you are paying $10 per month for a particular subscription. You can set the charge limit on your VCC to $10 and automatically prevent shady marketers from overcharging your account!

Are virtual credit cards that different from static credit cards?

In terms of security, yes. But there are many other reasons to consider making the transition to virtual credit cards:

Virtual credit cards

Physical credit cards
Keep your banking information hidden

Reveal your banking information

Stop you from losing money

Lose you thousands of dollars
Prevent unauthorized charges to your account

Allow unauthorized charges

Protect your information in case of a data breach

Compromise your information in case of a data breach

Defying what is possible with DoNotPay

Until we came along, the digital assistant landscape was very sparse. DoNotPay’s app introduced a number of useful features that can help you deal with stressful tasks in no time and with zero effort. Here are all the things DoNotPay can aid you with:

Источник: https://donotpay.com/learn/pnc-virtual-wallet-credit-card/

PNC Bank Student Checking Account Review

PNC Bank Student Checking AccountPNC Bank Student Checking Account

When you're looking for a student checking account, PNC Bank is a destination that you might consider.

With its 2,600 branches and 9,000 ATMs across 19 states, PNC Bank is among the options for anyone, including college students.

The bank’s Virtual Wallet Student includes a checking account with student-friendly tools.

It also includes other unique features to keep their money on track as they complete their education.

In this PNC Bank student checking Account review, we'll compare rates, fees, and services to other national and online banks.

Spend and Grow Your Money

PNC Bank’s Virtual Wallet Student is different because it offers three accounts in one.

When you apply for Virtual Wallet Student, you’ll receive a Spend account which functions as a primary checking account.

If you have a part-time or full-time job, or receive money from your parents, you can deposit cash or checks into this account.

Here's the interesting part:

Along with a primary checking account, Virtual Wallet Student also comes with a Reserve account and a Growth account.

The Reserve account is for short-term savings goals. Maybe you’re thinking about getting a new laptop or taking a trip with friends.

Your Growth account, however, is for long-term savings goals. Use this account to save a down payment for a house after graduation.

The difference between the Reserve and Growth account is that the latter features a higher interest rate to maximize your earnings.

PNC Student Checking Account Pros & Cons

ProsCons
  • No monthly fee for students
  • Money management features
  • No overdraft protection transfer fee
  • Mobile banking apps available
  • No check-writing
  • No ATM fee waivers/refunds

Avoid Fees with Overdraft Protection Services

With a Spend account, there’s the option of opting into overdraft protection services.

This helps you avoid expensive overdraft fees.

How it works:

You’ll link your Spend account with your Reserve and Growth accounts.

This provides peace of mind in the event that you forget to record a transaction and overdraw your account.

Your Reserve account serves as your main account for overdraft protection. If you don’t have enough cash in your Spend account to cover a transaction, funds from your Reserve account will transfer to your Spend account to avoid an overdraft.

In the event that you don’t have enough funds in your Reserve account for overdraft protection, your Growth account is the backup account.

The good news is...

There’s no overdraft protection transfer fee.

This is different from other banks. Some banks charge a fee for each day that an overdraft transfer occurs.

Keep in mind that if you don’t sign up for overdraft protection, PNC Bank may charge a $36 overdraft and returned item fee if you don’t have money in your account to cover a transaction.

Tip: PNC does offer its customers “one” courtesy fee refund on a returned item that occurs within the first 12 months of opening an account.

Open an Account With Little or No Cash

Getting started with Virtual Wallet Student is easy because there’s a low minimum deposit to open an account.

You can apply for an account in-person at a branch or online.

If you open an account in-person, the minimum opening deposit requirement is $25.

If you’re cash-strapped and need to open an account with less money, there’s no minimum deposit requirement when applying for an account online.

Convenient ATM Access Near Campuses

A Spend account comes with an ATM card that also serves as your debit card.

Use this card to withdraw cash from PNC Bank ATMs and non-PNC bank ATMs.

There’s never a fee to withdraw money from a PNC Bank ATM.

But be aware, there’s a $3 fee each time you take money from a non-PNC Bank in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands.

If you’re traveling abroad with family or friends on vacation, feel free to take cash from a non-PNC Bank ATM for a $5 fee.

Now as a student, depending on your college or university, you may be able to access a PNC ATM on campus.

Or, you might find branches within walking or driving distance of your campus.

Some colleges and universities even partner with PNC Bank, allowing student ID cards to function as ATM cards.

What You Need to Know About Rates

Unfortunately, a Virtual Wallet Student Spend account isn’t an interest-bearing checking account.

So don’t expect to earn interest off of your deposits.

You can, however, earn interest from your Reserve and Growth accounts when you apply for Virtual Wallet Student.

You’ll earn interest on balances of $1 or more.

With that being said, it's important to get into a regular habit of depositing cash into your savings accounts.

The interest rate with the Reserve account is on par with other brick-and-mortar financial institutions.

The interest rate with the Growth account is tiered. So your rate increases as your balance increases. Growth account rates are competitive and comparable with rates offered by online banks.

Don’t Pay a Monthly Fee as a Student

Virtual Wallet Student is also unique because students don’t have to pay a monthly service fee under certain conditions.

If you open a PNC Bank account as a student, you must notify the bank of your student status before you can attain student benefits.

Be prepared to provide proof of active enrollment in school.

After graduation

You can enjoy the student monthly waiver for as long as you’re enrolled in a qualified educational institution.

But only up to a maximum of six years.

What happens is...

You can keep your Virtual Wallet account once you’re no longer eligible for student benefits, but you’ll have to pay a monthly service fee of $7 per month.

You can avoid the fee by maintaining a combined $500 average monthly balance in your Spend and Reserve accounts. The bank will also waive the fee if you have $500 in qualifying direct deposits per month.

What Other Fees Can You Expect?

Be mindful of other bank fees you’re responsible for with Virtual Wallet Student.

Although the bank charges an overdraft and returned item fee for insufficient funds, there’s no fee when your account is overdrawn by $5 or less.

Understand that if your account remains overdrawn for five or more consecutive days, PNC Bank charges $7 per day that your account is in the red, up to $98.

Be aware that there’s a $7.50 fee to replace an ATM or debit card. And if you use your debit card internationally, there’s a 3 percent foreign transaction fee.

Also, if you close your Spend account within 180 days of opening the account, the bank will charge a $25 early closure fee.

PNC Student Checking Account Fees

TypeFee
Monthly Maintenance Fee$0
Non-PNC ATM$3
Overdraft Fee$36
Returned Item$36
Stop Payment$33
Deposited Item Returned$12
Domestic Wire Transfer (incoming)$15
International Wire Transfer (incoming)$15
Cashiers Check$10

Manage Your Account From Anywhere

Here's the bad part:

Virtual Student Wallet doesn’t come with free checks.

Even so, you can take advantage of online and mobile banking features. This results in seamless, simple account management.

Both options include a wide selection of services and benefits to accommodate your banking needs.

Check your account balance 24 hours a day, seven days a week from any location. You can also transfer money between accounts and schedule online bill pay for free.

You can avoid branch visits by using the mobile app to deposit checks from your smartphone or tablet.

Other convenient mobile and online features include:

  • PopMoney (send and receive money electronically from anywhere)
  • Text Banking
  • ATM Locator Tool
  • Online Statements
  • PNC Deposit Easy

Tips to Compare Other Student Checking Options

Student checking account features vary from institution to institution.

So make sure you research and compare banks to find an account that’s right for your situation.

No two banks are alike.

For this reason, not every bank offers student-friendly tools. As you compare student checking options, look for accounts you can open with no minimum deposit requirement.

Also, find a bank that offers ways to avoid the monthly service fee — as a student and beyond.

Avoiding monthly fees is particularly important if you’re a student with limited income.

Also, don’t forget to ask questions about the status of a student checking account once you’re no longer enrolled in a qualified educational institution.

Will you be able to keep the checking account? Or will you have to switch to a different type of account?

Finally, is this bank convenient for you as a college student and for your parents, who may need to deposit funds into your account?

Student Checking Accounts Monthly Maintenance Fees

Bank AccountMonthly FeeHow to Avoid Fee
Bank of America Advantage Plus$12Monthly fee waived if enrolled in college and under 24, or a monthly direct deposit of $250, or $1,500 avg. daily balance
Wells Fargo Everyday Checking$5 Monthly fee waived with 10 debit card purchases/payments, $500 in total direct deposits, $1,500 minimum daily balance, or linked Wells Fargo Campus ATM or Campus Debit Card
Chase College Checking$6Monthly fee waived with if enrolled in college, or have a monthly direct deposit, or a $5,000 avg. daily balance
Citibank Student Account *no longer available$0Graduation or when no longer enrolled in school
U.S. Bank Student Checking$0
PNC Bank Virtual Wallet Student$7Monthly fee waived with if enrolled in college, or $500 total direct deposits, or $500 avg. daily balance, or avoid using a PNC branch
Capital One 360 Checking$0
TD Bank Student Checking$0
BB&T Student Banking$0Monthly fee waived with if enrolled in college
SunTrust Essential Checking$7Monthly fee waived with if enrolled in college, 10 banking transactions, $500 total direct deposits, or $500 min. daily balance

Final Verdict: Is Virtual Wallet Student for You?

PNC Bank’s Virtual Wallet Student is worth consideration if you’re looking to open a checking account with a bank that has a strong presence on or near college campuses.

Keep in mind that PNC Bank is only in 19 states. So make sure there are locations in your hometown and your campus town before signing up. Also, check with your college or university to see if it partners with PNC. If so, you might be able to use your student ID as an ATM card.

The downside to the Spend account is that it doesn’t earn interest. But once you graduate, find a job, and are able to maintain a larger balance in a checking account, you can always explore other options. This includes an interest-bearing online checking account. This account will likely have a higher rate than those offered by a local bank.

Continue Reading

Источник: https://www.mybanktracker.com

PNC Student Loans: 2021 Review

PNC Bank is well known for its checking and savings accounts, home mortgage products and personal loans. However, PNC also offers a robust selection of student loan options geared toward college students of all stripes, as well as borrowers who want to refinance their existing student loans.

While PNC student loans could work for anyone, these loans are best for borrowers with good credit who want to pay down their student debt as quickly as they can.

PNC features

PNC offers student loans for undergraduates and graduates, as well as loans for residency and bar study. You can also refinance existing student loans with the lender.

PNC’s interest rates are incredibly competitive, although PNC says that you’ll need two years of “satisfactory credit” to qualify on your own. As an alternative, you can apply for PNC student loans with a co-signer, which could help you qualify for the best rates and terms.

PNC also stands out due to the many resources its student customers can access. For example, it has its own student banking hub, as well as a student loan learning center.

PNC student loan snapshot

Loan typesUndergraduate, graduate, health professions, residency, refinancing
Loan amountsPrivate loans: $1,000 to $65,000
Refinancing loans: $10,000 to $75,000
Interest ratesPrivate loans: Starting at 1.96% variable APR, Starting at 3.69% fixed APR (with autopay)
Refinancing loans: Starting at 2.22% variable APR, Starting at 3.44% fixed APR (with autopay)
Repayment termsPrivate loans: 5 to 15 years
Refinancing loans: 5 to 15 years
Grace period6 months
Co-signer required?No

Pros and cons of PNC student loans

PNC student loans can be a good option if you’ve maxed out federal student loan options and need to borrow a little more to pay for school. With that being said, here are some of the main advantages and disadvantages you should know about.

Pros

  • Co-signer release option: Once you have made 48 months of on-time payments on your student loans, you may request a co-signer release.
  • Big discount for autopay: PNC offers a 0.5 percent discount for automatic payments, double what most other companies offer.
  • No degree required to refinance: PNC lets you refinance student loans regardless of whether you finished your degree program, although you’ll have to meet all other eligibility requirements to qualify.

Cons

  • Lower loan limits won’t work for everyone: PNC has lower loan limits that can disqualify some who are borrowing considerable sums for higher education.
  • No way to prequalify: Some student loan companies let you prequalify and see the interest rate you can qualify for before you apply; PNC does not.
  • Limited loan terms: PNC lets you repay your student loans over five, 10 or 15 years, which is less flexible than the repayment timelines of other lenders.

PNC student loan requirements

Qualification requirements for a student loan from PNC vary slightly by loan type.

For undergraduate, graduate and professional student loans, you must:

  • Be enrolled at least half time in a degree program.
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit and proof of employment and income history, or have a co-signer who meets qualifications.
  • Meet unspecified debt-to-income ratio requirements.

For residency student loans, you must:

  • Be participating in a PNC-approved M.D., D.D.S., D.O. or D.V.M. residency program (or planning to participate in a residency program within a year).
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit with proof of employment and income history.
  • Meet unspecified debt-to-income ratio requirements.

For bar study loans, you must:

  • Be planning to take the bar exam no later than six months after graduation.
  • Have graduated from a PNC-approved law school within the last six months (or be a professional student enrolled at least half time at a PNC-approved law school scheduled to graduate within the next six months).
  • Be a U.S. citizen or permanent resident.
  • Have lived in the U.S. for the last two years.
  • Have satisfactory credit and proof of employment and income history.
  • Meet unspecified debt-to-income ratio requirements.

For student loan refinancing, you must:

  • Have at least 24 months of positive repayment history on private or federal student loans.
  • Be able to pass a credit check.
  • Be a U.S. citizen or permanent resident.
  • Be able to prove two years of continuous income or employment history.

Who is this loan good for?

PNC student loans are a good option for anyone who has maxed out scholarships, grants and federal student aid, especially since PNC offers such low rates.

Also consider the fact that refinancing loans offered through PNC do not require the borrower to graduate from college first. This makes the company a good option for anyone who needs to refinance their student loans even though they haven’t earned a college degree.

Interest rates and terms

PNC offers student loans with variable or fixed interest rates, and you can secure a 0.5 percent rate discount if you set up your loans for automatic payment. The following chart includes this interest rate discount:

Loan productVariable rateFixed rate
Undergraduate loansStarting at 1.96% APRStarting at 3.69% APR
Graduate and professional loansStarting at 1.96% APRStarting at 3.49% APR
Health professions loansStarting at 1.96% APRStarting at 3.49% APR
Health professions residency loansStarting at 1.96% APRStarting at 3.49% APR
Bar studyStarting at 1.96% APRStarting at 3.49% APR
Refinance loanStarting at 2.22% APRStarting at 3.44% APR

Fees and penalties

PNC does not have application fees, origination fees or prepayment penalties. However, you may be subject to a late fee of 5 percent or $5, whichever is less.

What are repayment terms and grace period for PNC?

PNC student loans come with repayment terms that can last five, 10 or 15 years, depending on your needs and your budget. You can also choose from three repayment options: deferred payments while enrolled in school, interest-only payments while in school and full payments immediately.

In the case of deferred payments, the grace period ends six months after you graduate or are no longer in school on at least a half-time basis.

Customer service

PNC makes it easy to speak with a representative if you have questions about its student loan products. You can call the bank at 1-800-762-1001 Monday through Friday from 8 a.m. to 5 p.m. ET, or you send an email through the company’s contact form. You can also stop in a brick-and-mortar PNC bank branch if you live near one.

How to apply for a loan with PNC

You can apply for a student loan through PNC directly on the company website. Plan on gathering the following information ahead of time:

  • Your Social Security number.
  • Your school information (including field of learning and enrollment period).
  • How much you want to borrow.
  • Information on other bills you have, such as your mortgage or rent amount.
  • Information on other financial aid you have received.
  • Your financial information and employment history.

Any co-signer you’re considering for your loan will need to provide their Social Security number, along with their financial information, employment information and address.

What to do if your application gets turned down

If you are rejected for a student loan from PNC, there are a few different options to consider. You can start by reaching out to PNC to request clarification. You may be able to find out information on your denial that could help you get approved with another student loan company, but it’s also possible that there was a processing error on your application.

If you applied without a co-signer, you can also consider asking a trusted family member to lend their good credit and apply with you on your loan. Doing so could help you get qualified for the student financing you need with much better rates and terms than you could qualify for on your own.

How Bankrate rates PNC

Overall Score4.3
Repayment Options4.0
Affordability4.3
Customer Experience4.5

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

Источник: https://www.bankrate.com/loans/student-loans/reviews/pnc/

Marymount Tuition

Category/ ProgramUndergraduate programs Business- Technology GraduateGraduate Education programOther Graduate Program Doctor of Physical Therapy
Tuition 36,145    21,76117,171   21,58140.470
Housing14,686 16,980   16,980  16,98016,980
Transportation, books, supplies 6,250 6,2506,250 6,250 6,250
Total in US Dollar ($) 57,08144,99140,671 44,811  63,700

 

Financing Your Education at Marymount:

Most students live on a limited budget. It is important that you learn how to manage your money well while studying in the United States. Familiarize yourself with the value of the dollar and never carry large amounts of cash with you or leave it in your room or apartment. 

When planning a budget to finance your education in the US you need to include costs for tuition, housing, food, health insurance, transportation, books and other additional expenses. In order to obtain the immigration documents to be eligible for an international student visa  F-1, Homeland Security requires students to demonstrate an official copy of the bank statements showing the total amounts below based on your program. Regardless of if you will live on or off campus, or you will have more affordable accommodations, you still need to show the estimated amount to cover all living expenses around campus.

If you have been awarded a scholarship or a Graduate assistantship from Marymount, you may deduct the scholarship amount and demonstrate the remaining funds in a bank statement plus the letter that confirms the award.

Students sponsored by their government or other institutions will provide a financial guarantee from their sponsor that should be valid within the next year.

Ways to pay your education

Managing your personal finances

In the United States, it is customary to pay by debit card, credit card or check, rather than using cash, because it is generally safer. It is recommended that you open a bank account as soon as you arrive in the U.S. This will give you access to your money easily and safely for paying any bills by check and for obtaining a debit card.  There are several commercial banks within walking distance of the University, but Marymount University has a partnership with PNC which many international students use. Most banks offer similar services although the service fees might differ.

Here are some resources to help you on your Financing journey:

 

Источник: https://marymount.edu/academics/center-global-engagement/international-admissions/banking-money/

Debit cards on campus

Putting students’ financial well-being at risk

A Report by U.S. PIRG Education Fund
Written by Meryl Compton, Frontier Group and Kaitlyn Vitez, U.S. PIRG Education Fund
DOWNLOAD THE REPORT

College students across the U.S. are at risk of being taken advantage of by banks that pay colleges to market checking accounts directly to students. These campus debit card accounts can come with high and unexpected fees that put college students, many of whom are managing their own finances for the first time, at risk.

Campus debit cards are often used to disburse financial aid refunds when students have funds left over after paying tuition and fees. While students always have the option to receive these refunds in their own pre-existing checking accounts, some banks partner with schools to offer students new checking accounts to receive these funds. Under some agreements, banks are permitted to market their campus debit cards aggressively to the entire student body.

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    Campus debit cards offered by banks and financial firms can either be in the form of student IDs with built-in banking functions or separate, freestanding cards. There are at least 1.1 million students using campus debit cards, and while these cards can be useful tools for students receiving financial aid or refunds, those that are marketed on campus can come at a cost, particularly to those students who are more vulnerable to high fees, such as first-generation students and those from low- and moderate-income backgrounds.

    Most students are protected under recent rules established by the Department of Education (ED), but a few banks continue to put students in harm’s way and require more stringent oversight.

    Despite the hundreds of colleges sponsoring low and fee-free student accounts, campus debit card agreements still cost students across the country millions each year. Students nationwide paid more than $24.6 million in fees related to their campus debit card accounts in the most recently available contract year for which their schools reported data to the ED.

    Banks that pay colleges for the opportunity to market directly to their students often have higher fees associated with their campus debit card accounts. Based on colleges’ self-reported data that were identified in this analysis:

    • Students at schools with a paid marketing agreement with a financial account provider paid 2.3 times as much in fees as students at schools without a paid marketing agreement. The average annual fee paid by students at schools with paid marketing agreements, and where there were more than 250 student accounts, was $34.34, while the average across schools without such partnerships was $15.11.
    • Of the 331 schools at which at least 250 students held a campus debit card account, 20 had average fees of $45 or more. Of those 20 institutions, 19 partnered with Wells Fargo. Wells Fargo is one of the leading banks offering paid marketing deals that tend to have higher fees for students. Of the 95 schools with reported paid marketing agreements, 24 partnered with Wells Fargo.
    • Students at schools with Wells Fargo partnerships paid the highest fees – $44.84 on average across all schools.
    • In the most recent contract year, students with campus debit card accounts through Wells Fargo collectively paid $11.3 million in fees. These students represented almost one quarter of all campus debit card accounts, but accounted for close to half of total fees paid by students with these accounts. Students paid a total of more than $1 million in fees at four of the schools with agreements with Wells Fargo.

    Debit cards connected to campus accounts can look almost identical to a standard student ID card, except that they feature the bank’s logo or name alongside the school’s name and/or mascot, and also have the student’s checking account number.

    Fees and “push marketing” associated with campus debit cards offered through paid marketing agreements can threaten students’ financial well-being.

    • Campus debit cards offered to students under paid marketing agreements between a bank and school often carry a range of fees, such as out-of-network withdrawal fees, wire transfer fees and overdraft fees that are typically around $35 each. These fees can add up quickly. While hundreds of colleges have agreements that prohibit overdraft fees, most campus accounts offered through colleges that are paid to promote their partner bank’s accounts carried overdraft fees.
    • Paid marketing agreements can lead to “push marketing,” in which schools are paid to promote their financial partner’s campus debit card directly to students through official school emails, acceptance and orientation materials, letters and flyers, and web pages. While students always have the option to bank elsewhere, aggressive marketing may give students the false impression that they need to open an account with their school’s preferred bank.

    In its agreement with Wells Fargo, Texas State University receives an annual royalty payment based on percent of the student body with a campus debit card, with a max payment of $300,000 if every enrolled student were to open an account.

    Some campus debit card providers offering paid marketing agreements reached a majority of the student body. Based on analysis of all identifiable agreements, on average, 41 percent of the students at schools partnering with Wells Fargo had a campus debit card account, compared to 14 percent at schools partnering with PNC Bank. This could indicate a more aggressive marketing effort by the school and its partner bank that is intended to reach the wider student population, beyond just students receiving financial aid refunds.

    • At 10 out of the 95 schools with reported paid marketing agreements, more than 50 percent of the student body held a campus debit card account.
    • Wells Fargo consistently reached a significant portion of the student body. At eight schools with which it partnered, more than 50 percent of students held a linked account.

    Several banks that offer paid marketing agreements, including Wells Fargo, PNC Bank and U.S. Bank, incentivize schools to maximize the number of campus debit card accounts by providing the schools with a royalty payment based on the number of students or percentage of the student body with an account. Such provisions encourage more aggressive marketing tactics and often lead to a higher percentage of the student body using campus debit cards that could result in high fees.

    • 20 of Wells Fargo’s 24 agreements included a revenue-sharing provision that encourages more aggressive marketing tactics designed to enroll as many students as possible in a Wells Fargo campus account.

    U.S. Secretary of Education Betsy DeVos

    Gage Skidmore via Flickr, CC BY-SA 2.0

    Who is watching out for students?

    In the past, the Consumer Financial Protection Bureau (CFPB) was an effective independent watchdog that helped shield consumers from predatory banking practices, but under the leadership of Mick Mulvaney and Kathy Kraniger, its willingness to protect young consumers is in question. Further, under the direction of Secretary Betsy DeVos, the Department of Education, which is ultimately responsible for enforcing regulations on these campus banking relationships, has ignored CFPB analysis showing that there are problems in the campus banking marketplace, and has failed to provide diligent and consistent oversight to schools reporting the details of their cash management contracts.

    In order to protect students, existing regulations need to be enforced and stronger, more comprehensive regulations need to be put in place. Banks and financial firms should be prevented from charging exorbitant fees and offering revenue sharing agreements that facilitate “push marketing” on college campuses. Furthermore, because of the clear and persistent problems and high average fees associated with Wells Fargo’s agreements, the Department of Education should consider launching an investigation into Wells Fargo to determine if its accounts are truly in students’ best interests.

    PRIORITY ACTION

    TELL EDUCATION SECRETARY BETSY DEVOS: INVESTIGATE CAMPUS DEBIT CARDS

    We're calling on Education Secretary Betsy DeVos to investigate these debit card relationships between banks and schools and hold banks accountable if they're in violation of these rules.

    Join the call for action

    Источник: https://uspirg.org/feature/usp/debit-cards-campus

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    4 Replies to “Pnc bank college student credit card”

    1. Hi Mam Ailyn, before po mam ganon ginawa ko pumunta ng bank kaso pinagawa padin po ako online po.

    2. @Ajit Mahapatra haa har saal amount badha ke de sakte ho

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