PNC Bank Account
It is recommended that you open up a PNC bank account because if you use any other banks, you will be charged with a fee when with-drawing money from ATM machines, or spending money at any store in State College. To open an account, proceed to the PNC office on the ground floor of the HUB and consult with the desk clerk.
Your PSU ID Card
Your PSU ID card comprises of links to 3 separate accounts: Meal Plan, Lion Cash and PNC Bank account (if you have one). You can use your ID to swipe in any of the commons across campus (with discount). You also have the option to add money to your ID card as "Lion Cash". Lion Cash can be used to buy anything in the commons (without discount), printing pages, things in majority of restaurants and shops downtown. You can deposit Lion Cash using the website: http://www.idcard.psu.edu/IDCard/ManageAccounts/ . You could also link your PNC Bank account to your ID card and use it as an ATM card.
NOTE that if you find out you have lost your ID card, immediately log on to the aforementioned link to deactivate your account, or proceed to the ID office at the HUB ground floor to get it de-activated before someone steals it. Then, you could either get a new ID made at this office for $15, or get a temporary ID that lasts a week at that office or ANY commons desk for $3.
NOTE that if you find out you have lost your ID card, immediately log on to the aforementioned link to deactivate your account, or proceed to the ID office at the HUB ground floor to get it de-activated before someone steals it. Then, you could either get a new ID made at this office for $15, or get a temporary ID that lasts a week at that office or ANY commons desk for $3.