Personal Checking

Checking at PNC is Virtual Wallet.

In today's world, you need more than just a checking account.  Virtual Wallet starts with checking (we call it Spend) 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 $300 when you open and use a select new Virtual Wallet product


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For life on campus.

  • No monthly service charge for the first 6 years[1]
  • 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[2]
  • $5.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event.[3]
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[4]
  • 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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An alternative or addition to a PNC checking account.

  • Deposit money onto your card and use everywhere Visa debit cards are accepted
  • No overdraft fees
  • Track your balance and spending online and on the PNC SmartAccess Mobile app.
  • Protected by Zero Liability
  • Email and text alert notifications for certain card activity


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PNC SmartAccess® Prepaid Visa® Card

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Summary of Fees & Schedule of Fees
Terms & Conditions


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Important Legal Disclosures and Information

  1. 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. 

  2. 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.

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

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

You may earn a $300 reward if you open a new Virtual Wallet with Performance Select. You may earn a $200 reward if you open a new Virtual Wallet with Performance Spend. You may earn a $50 reward if you open a new Virtual Wallet. You will only be considered for one reward amount, which is based on the product type you open.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page beginning 10/1/20 through 10/29/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Virtual Wallet product must remain open in order for you to receive the reward, which will be credited to the eligible account within 60-90 days after all conditions have been met and will be identified as "Cash Trans Promo Reward" on your monthly statement.

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, Virtual Wallet with Performance Spend or Virtual Wallet. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

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

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

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

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