Virtual Wallet® is Checking & Savings. Together.

The tools you need to help you stay on top of your money in one comprehensive digital banking experience.

Offer is good through March 31, 2020.

Review Offer & Apply Now!


Earn

 $300

when you open & use a new Virtual Wallet with Performance Select[1]

Only available in eligible markets and to intended addressee. 

  

 

Earn an additional

 $200

when you fund your Growth account to $15,000[2]

Only available in eligible markets and to intended addressee. 

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. 

Virtual Wallet with Performance Select

What You Get

Spend – primary checking account

Reserve – interest-bearing checking account

Growth – long-term savings account

Benefits

  • Relationship rates — Earn even higher interest rates[3]
  • Tools to Help You Manage Your Spending and Saving
  • Free transactions at approximately 9,000 PNC ATMs[4]
  • No PNC fees on domestic or international non-PNC ATM transactions[4]
  • Up to $20 fee reimbursement per statement cycle for other banks’ ATM fees at non-PNC ATMs[5]
  • Earn cash with PNC Purchase Payback[6]
  • Up to 6 additional checking or savings accounts with no monthly service charge
  • PNC Bank Visa® Debit Card automatically issued

 

What You Need to Know

  • NO monthly service charge when you meet any ONE of the following requirements per statement period:
    • $5,000 or more in total qualifying direct deposits to your Spend
    • OR, $5,000 average monthly balance in Spend and Reserve, including linked checking accounts
    • OR, $25,000 combined average monthly balance in PNC consumer deposits and/or investments
    • Otherwise, $25 Monthly Service Charge

Account Summary

Account Agreement

Features and Fees

 

How to Earn Up to $500

Open a new Virtual Wallet with Performance Select and meet the below requirements to earn $300, plus an additional $200!

To earn the $300 account opening reward:

Open a new Virtual Wallet with Performance Select


AND

Establish total qualifying direct deposit(s) of $5,000 or more to the new Spend account[1]

We deposit $300 into your Spend account

To earn an additional $200:

Fund your new Growth account to a minimum of $15,000 within 60 days of account opening

AND

Once funded, maintain a daily minimum balance of $15,000 in your new Growth account for 90 consecutive days

We deposit $200 into your Growth account

 

Open a Virtual Wallet with Performance Select Account Online

Apply Now

Understand Your Rate

Help to alleviate account statement surprises.

Reserve -
Interest Rate

Your Reserve interest rate is on the interest-bearing checking account included within Virtual Wallet.

Growth - Standard
Interest Rate

Your Virtual Wallet Growth account interest rate. Dependent on starting balance and Virtual Wallet product.

Growth - Relationship
Interest Rate

An even higher Virtual Wallet Growth account interest rate when you meet one of the qualifications. Dependent on starting balance and Virtual Wallet product.[3]

Digital Banking

Manage your money the way you want.

Learn more about our Online and Mobile Banking tools »

Zelle®

Easily send money to people you trust regardless of where they bank in the U.S.[7]

Mobile Deposits

With PNC mobile banking apps, you can securely deposit checks and access funds using a tablet or mobile phone.[8]

Transfer Money

Transfer money easily between your PNC accounts in Online Banking or the Virtual Wallet app.[9]

Need More Info?

Frequently Asked Questions

Important Legal Disclosures & Information

  1. You may earn a $300 reward if you open a new Virtual Wallet with Performance Select. 

    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.

  2. 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.

  3. 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.

  4. 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.

  5. For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.

  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. Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offers a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle is subject to and conditional upon adherence to the terms and conditions of the PNC ZelleTerms of Use.  

  8. 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.

  9. 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

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.