PNC checking开户奖励

问题有点多,请多包涵!

  1. https://www.uscreditcardguide.com/pnc-checking/
    博客上写的是非绿卡公民可以开户但必须去实体店申请,网申会被拒。所以即使是RA也得去实体店申请?但是这个申请链接(https://www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html)中提到:To qualify for the reward, the new Virtual Wallet product must be opened online (我加粗的) via the application links on this page beginning 3/2/21 through 6/30/21, and a qualifying Direct Deposit(s) must be received within the first 60 days.
    所以RA就没法薅这个羊毛了吗?
  2. 同样是那个申请链接里说"A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select or Virtual Wallet with Performance Spend. " 所以像报税返的钱就不算吗?但我看到有说法是连Chase转账都算啊…
  3. 避免月费的方法是:每月平均余额维持在至少$5,000. 我打算是让两个月的工资往里面打,一次应该是2500多一点,那这样是不是第一个月就必须得付月费了?以及能以0刀起始吗,还是说开户当天就必须得先放一定的钱进去?
  1. RA可以
  2. fake dd可以,可以去doc查一下哪些work,我前几天关户了不记得了
  3. 我记得可以选account,type,有个无月费的账户

平均就是每天的钱数加起来再除以大约30天,这个数字大于5000.

提供个半年前的DP:

我住MA,税务身份RA。
网上开没成功;借机会去PA实体店处理的(其实是本来有事要去PA,出发前先尝试网申)。结果到了银行,banker还要我的护照,回住的地方拿了一趟才开成功。

我DD是真实的,设法一个月打了5k。所以月费怎么避免这块没有建议。——不过感觉不少银行开户那个月甚至前几个月都会免月费,虽然不会明着写出来。也许可以问问客服。

关户的时候我才知道我的护照在系统里是主ID、MA驾照是副ID。因为客服说推荐关户方法是先把钱全转走让余额变成0,再打电话关。而去实体店的话一定要带着主ID;只带副ID驾照不行,否则banker当天也只能帮我取光钱,还是要隔天打电话关。
追问会不会触发低于5k收月费,那边说我余额一直保持5.4k(开户存的和后来给的奖励都没动过),只有一天余额为0的话可以自己算平均值,应该超5k的。后来实际情况确实也顺利关了。

第一个问题不知道,我是网申过了之后收到信让我去branch补资料的~
2:很多银行的转账在PNC这儿都算DD,直接转5k过去可能更方便一些(我用的paypal).
3:第一个月应该可以用DD免月费,之后可以把账户在线降级到只要留500就能免月费的版本

请教下minimal balance $500 to waive maintenance fee是PNC的什么账户?

别说ra,nra也可以。我之前是branch开户薅了一次,然后关户,因为还有一个信用卡,online账户没关,第二次直接在线开也过了

应该是这个吧:https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/fees-vw-A.pdf

我看到的说$200 offer,只要求开PNC Virtual Wallet Checking Pro,无月费,只需要dd $2000。真的那么简单?

Virtual Wallet Checking Pro with Spend, Reserve & Growth

Checking + Savings

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[2]
  • 0.40% Annual Percentage Yield (APY)[3] interest rate on your Growth savings account
  • Growth account balances earn interest starting at $1[3]
  • Reserve account for short-term planning
  • Digital tools to plan and track your spending and automate your savings, now including Low Cash ModeSM[4]
  • Two layers of overdraft protection[5]

Earn $200
when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro[1]

Virtual Wallet Checking Pro with Spend

Checking Only

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[2]
  • Digital tools to plan and track your spending, now including Low Cash ModeSM[4]

Earn $200
when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro[1]

我在网上看我们这只有300奖励,存5000,也不知道去柜台开户能不能让他match到400

我感觉是offer过期了?目前最高好像就是300?

请问所谓的Chase转账算DD指的是ACH push吗?是下图中的哪一种呢?微信截图_20210411210700

Transfer Money然后选 standard 不是real time

所以你也拿的300的奖励吗?

我没有拿。只是点进那个链接只有200和300的offer.

谢谢。另外请问一下你避免月费的办法是第一天就开始存入5400吗?

我没有申请。。。不过看上面的回复这确实是一种方法。5400你是怎么计算出来的?

求问下,为啥我在PNC界面点apply now之后就被网页自动block了 :sweat_smile:
是我这个zip code申不了吗…
有没有相同经历的dp
换了手机,笔记本,台式都不行

月均5000免管理费的话存5400可以在月末最后两天就直接关户?

谢谢。看来是把“Virtual Wallet With Performance Select ”降级成“PNC Virtual Wallet”。转头问问看。