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Make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card and/or PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $2,000 for Virtual Wallet with Performance Spend or $5,000 for Virtual Wallet with Performance Select and earn the higher relationship rate on your Growth account for the following month.
Your Reserve interest rate is on the interest-bearing checking account included within Virtual Wallet.
Your Virtual Wallet Growth account interest rate. Dependent on starting balance and Virtual Wallet product.
Trusted for over 160 years. PNC offers solutions that can help you confidently navigate your finances during any phase of life. Let us help you gain the confidence you need to make important financial decisions for you and your family.
Your Spend account can help you keep track of your spending tools to view your transactions, create budgets, pay bills and more. It also comes with benefits like: a debit card, unlimited check writing, and free transactions at over 9,000 PNC ATMs.
You can use your Reserve account to set aside money for just about anything, including upcoming bills, a laptop, or a date night. Track your progress using your Savings Goals and easily move money to your Spend account when you need it.
Reserve functions as your primary Overdraft Protection for your Spend account.
With your Growth account, you’ll get access to savings tools to help you work toward your goals and save for the future. And the more you save, the more you’ll earn. You can earn the relationship rate when you meet certain qualifications.
Growth also functions as secondary Overdraft Protection for your Spend account.
To qualify for the reward, the new checking account must be opened online via the application links on this page beginning 1/8/20 through 3/31/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your checking account 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 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. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select. 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.
You may earn a $200 reward if you fund your Growth account with a total balance of $15,000.
To qualify for the reward, the new Growth account must be opened between 1/8/20 and 3/31/20 and the following conditions must be met: (a) reach a total balance of $15,000 within the first 60 days of account opening and (b) following that, maintain a daily balance of $15,000 for 90 consecutive days. The 90-day daily balance requirement will immediately begin after meeting the initial $15,000 deposit requirement. Your reward credit will be identified as “CREDITS SAVINGS REWARD” on your monthly statement. 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. Offer available to intended addressee only.
If you make at least five qualifying purchases in a month with your linked consumer Visa® Debit Card and/or PNC consumer credit card, or set up a qualifying monthly direct deposit of at least $5,000 for Virtual Wallet with Performance Select you’ll earn the corresponding relationship rate on your Growth account for the following month. Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date you initiated the transaction.
We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.
When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.
For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.
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.
PNC does not charge a fee for Mobile Banking. 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 Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
You may not make more than a total of six (6) transfers each statement cycle from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Savings or Money Market account being changed to a Standard Checking account, which will be subject to the features and fees as described in the Consumer Schedule of Service Charges and Fees in effect at that time. We reserve the right to suspend enforcement of these transaction limitations, at our discretion.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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