Applicant Information

Frequently Asked Questions

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- What do I need to open an account with PNC Bank?
- Is my online application secure?
- What information do I need to open a joint account?
- Why is personal information required to open an account online?
- Is a minimum deposit required to open an account online?
- When is the opening deposit processed?
- Can I change the information on my account application?



Q.
What do I need to open an account with PNC Bank?

A.

  • A valid U.S. address and Social Security number are required.
  • You must be 18 years of age or older and will also need to provide a 2nd form of ID. Currently we can only accept U.S. Driver's Licenses, State Issued ID's, and Miltary ID's online.
  • You will be required to provide personal information, including your date of birth, and former mailing address(es).
  • If you are not a U.S. Citizen and do not have this information, we will be unable to enroll you online. Please visit one of our branches or call 1-800-762-5684, 1-800-352-2255 (Virtual Wallet Accounts) or 1-877-PNC-1000 (Student Accounts) for assistance.

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Q.
Is my online application secure?

A.

  • PNC Bank uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding "decoder," the transmission would look like nonsense text and would be unusable.
  • Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.
  • Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct "decoder" in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is - the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).

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Q.
What information do I need to open a joint account?

A.
You'll need the same information that's required when opening an individual account-but you'll need it for both applicants. For details, select "What do I need to open an account with PNC Bank?" above. Please note that we will need to verify the identity of both applicants and that the presence of both applicants may be helpful.

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Q.
Why is personal information required to open an account online?

A.
Your application is processed subject to our ability to verify your identity. For joint accounts, please note that the presence of both applicants may be helpful. (For more information, select "What do I need to open an account with PNC Bank?" above.)

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Q.
Is a minimum deposit required to open an account online?

A.
Yes, an initial deposit is required. The minimum initial deposit varies by product. Please refer to the "Account Selection" page of this application for the initial deposit amount specific to the product for which you're interested.

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Q.
When is the opening deposit processed?

A.
Electronic transfers from your existing account at PNC Bank or another financial institution will occur within one business day of your funding request. Keep in mind that the funding request will not be processed until you have verified the challenge deposit amounts, if you choose that funding method. In most cases, electronic direct deposits will be posted to your new PNC Bank account approximately three business days after the transfer is initiated. Funds from electronic direct deposits will be available on the day we receive the deposit, provided we have received your signature card, for all accounts EXCEPT Virtual Wallet. For Virtual Wallet accounts, funds from electronic direct deposits will be available on the day we receive the deposit. Virtual Wallet accounts do not require a signature card.

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Q.
Can I change the information on my account application?

A.
You have the option to edit your account information prior to submitting the information to PNC Bank. Simply click on the "Edit" button above the grouping of information you would like to change, and you will be permitted to change your selection.

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