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**Important Information About Virtual Wallet Growth Account Relationship Rates
All rates and Annual Percentage Yields (APYs) are accurate as of 2/17/23. The minimum amount to earn interest is $1.00. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changed, call 1-888-PNC-BANK.
The Relationship Rate APY balance tiers for Virtual Wallet Growth account are as follows: 2.30% for balances $1 - $2,499.99; 2.55% for balances $2,500 and above.
The Relationship Rate APY balance tiers for Virtual Wallet with Performance Spend Growth account are as follows: 2.55% for balances $1 - $9,999.99; 3.30% for balances $10,000 - $24,999.99; 3.30% for balances $25,000 - $49,999.99; 3.30% for balances $50,000 - $99,999.99; 3.30% for balances $100,000 - $249,999.99; 3.30% for balances $250,000 - $499,999.99; 3.30% for balances $500,000 - $999,999.99; and 3.30% for balances $1,000,000+.
The Relationship Rate APY balance tiers for Virtual Wallet with Performance Select Growth account are as follows: 3.50% for balances $1 - $9,999.99; 3.50% for balances $10,000 - $24,999.99; 3.50% for balances $25,000 - $49,999.99; 3.50% for balances $50,000 - $99,999.99; 3.50% for balances $100,000 - $249,999.99; 3.50% for balances $250,000 - $499,999.99; 3.50% for balances $500,000 - $999,999.99; and 3.50% for balances $1,000,000+.
In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:
- Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
- Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
- Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
- Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
(A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)
Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.
If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.
Important Legal Disclosures & Information
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Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. For online or phone origination, the Zip code of your primary address will be used to determine product availability. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.
To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page from 01/03/2023 through 03/31/2023, 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 Credits Check Reward on your monthly statement.
A qualifying Direct Deposit for this offer, 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, person to person transfers, transfers from one account to another or deposits made at a physical PNC location or ATM do not qualify as qualifying Direct Deposits.
New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate and other specialty titled accounts are excluded from this offer. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.
Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Virtual Wallet is a registered mark of The PNC Financial Services Group, Inc.
Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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