Open a Checking Account Online

Virtual Wallet combines innovative digital tools with your checking account.

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Checking at PNC is Virtual Wallet

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.

Earn up to $400

when you open and use a select new Virtual Wallet+ product

Virtual Wallet Logo

Virtual Wallet Student®

A checking and savings account tailored for students to help manage your financial life.

  • No monthly service charge for 6 years[3]
  • Combines checking and savings
  • Overdraft alerts and protection, including Low Cash Mode® in the PNC Mobile App[1],[2]

Foundation Checking for strengthening your budgeting and financial needs.*

  • No Overdraft fees
  • Free Cashier’s checks
  • Digital tools to track your account activity

*Visit a PNC branch to apply for Foundation Checking

Benefits & Features

Branch and ATM Access

Take advantage of more than 2,300 locations and approximately 60,000 PNC and Partner ATMs Coast to Coast.

Low Cash Mode with Virtual Wallet

Manage your Spend account when your balance is low. With Low Cash Mode, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.[1]

PNC Debit Cards

Use your PNC Bank Visa® Debit Card to tap into convenience by uploading to a mobile wallet of your choice, stay informed by setting up alerts to track and monitor purchases, and reward yourself with PNC Purchase Payback®.

Frequently Asked Questions

Review Features & Fees associated with your checking product

To confirm which Virtual Wallet or other checking product type you have, sign on to PNC Online Banking and view the My Accounts Summary screen.

Direct Deposit allows your paycheck, dividend payment, pension or Social Security check to be automatically deposited into your PNC checking account so that your funds are available for withdrawal (your use) on that same day.

To set it up, first find your Account and Routing numbers under Account Activity in PNC Online Banking or under Account Actions in the PNC Mobile app[2]. You can also find your Account and Routing numbers on your checks.

You may also be able to complete our PNC Direct Deposit enrollment form and submit it to your employer or other non-government agency along with a voided check from your PNC account.

It's easy to order checks with Online Banking:

  1. Sign in to Online Banking.
  2. Click on the Customer Service Tab.
  3. In the Manage Accounts section, click on Order Checks & Supplies.
  4. Click on the Checks/Supplies link under the Order column next to the account for which you want to order checks.

Sign up for Automatic Check Reorder so you don’t have to remember to reorder checks.

Automatic Check Reorder is a service offered by PNC that notifies you when 70% of your checks are gone. At that time, you can make changes to your check style or address. Your new checks will be mailed to you automatically.

Not sure if you’re already enrolled in Automatic Check Reorder?

  1. Sign in to Online Banking.
  2. Click on the Customer Service Tab.
  3. In the Manage Accounts section, click on Order Checks & Supplies.

You will see a list of your open accounts. Look in the Automatic Check Reorder column and it will state “Enabled” for the accounts that are enrolled.

Learn More About Automatic Check Reordering



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