Personal Checking & Prepaid Card

Checking at PNC is Virtual Wallet.

Now Including Low Cash Mode®[1]

In today's world, you need more than just a checking account.  Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. To best meet your needs, we have three levels of Spend to choose from.

Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.  

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Virtual Wallet Student. For life on campus.

Best Overall
Banks for Students


  • No monthly service charge for the first 6 years[2]
  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period[3]
  • $5.00 reimbursement of other banks’ ATM surcharge fee per statement period[4]
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event.[4]
  • As a PNC customer, you can access your money fee-free at nearly 19,000 ATMs across the country, as listed on our ATM locator[5]
  • Digital tools to plan and track your spending and automate your savings
  • Students AND parents can enroll to receive account alerts when balances are low

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If you want a fast, easy way to pay for virtually anything

  • Tap to pay wherever you see the EMVCo Contactless Indicator
  • Shop in store, online, or in-app simply add your debit card to your mobile wallet or wearable device
  • Track your purchases with PNC Online and Mobile Banking
  • Enjoy peace of mind with PNC security & privacy
  • Get rewarded for purchases at some of your favorite places with PNC Purchase Payback® [6]

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A prepaid card as an alternative
or addition to a PNC checking account.

  • No overdraft fees
  • Load funds to your card and use everywhere Visa debit cards are accepted
  • Track your balance and spending online and on the PNC SmartAccess Mobile app.[7]
  • Enroll in email and text alert notifications for certain card activity
  • Protected by Zero Liability[8]

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Important Legal Disclosures and Information

  1. Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

  2. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. 

  3. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.

  4. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft event (Spend account only). Although the fee may be refunded, the transaction will be considered an overdraft occurrence when determining any subsequent overdraft fee. You will be responsible for paying the overdraft balance.

  5. Visit to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  6. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.

  7. PNC does not charge a fee for the SmartAccess Mobile App. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the SmartAccess Mobile App. Certain other restrictions apply. See the SmartAccess Mobile Service Terms and Conditions for details.

  8. Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa® is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.