How To Avoid PNC Monthly Service Charge
To avoid PNC Bank’s monthly service charge on your checking or savings account, here are some common strategies you can use:
✅ How to Avoid PNC Monthly Service Charge
1. Maintain the Minimum Balance
- Keep the required minimum daily or monthly balance in your account.
- For example, some accounts require $500 or $1,500 to avoid fees. Check your specific account’s rules.
2. Set Up Direct Deposit
- Have your paycheck or other regular deposits (like Social Security) automatically deposited.
- Some accounts waive the fee if you receive a monthly direct deposit of a certain amount (e.g., $500+).
3. Use Your Debit Card
- Some PNC accounts waive fees if you make a minimum number of debit card transactions each month (e.g., 10 or more purchases).
4. Be a Student or Senior
- PNC often offers accounts without monthly fees for students or seniors.
- You may need to provide proof of student status or age.
5. Link to Another PNC Account
- Linking your checking to a PNC savings or money market account with a minimum balance can help avoid fees.
6. Open a No-Fee Account
- Consider switching to a PNC Virtual Wallet Student account or other no-fee account options.
7. Use PNC’s Waiver Options
- Some accounts allow fee waivers for customers who receive government benefits or have certain account activity.
8. Talk to a Banker
- Sometimes you can negotiate fees or get exceptions, especially if you’re a long-term customer.