EARN $200

when you open and use a new
PNC Virtual Wallet® Checking Pro[1]

Virtual Wallet Checking Pro
with Spend, Reserve & Growth

Checking + Savings

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Free transactions at approximately 18,000 ATMs across the country as listed on our ATM locator[2]
  • .65% Annual Percentage Yield (APY)[3] interest rate on your Growth savings account
  • Growth account balances earn interest starting at $1[3]
  • Reserve account for short-term planning
  • Digital tools to plan and track your spending and automate your savings
  • Two layers of overdraft protection

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Spend account[1]

Open an Account Online 

Apply Now  Check Rates

Virtual Wallet Checking Pro
with Spend

Checking Only

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Free transactions at approximately 18,000 ATMs across the country as listed on our ATM locator[2]
  • Digital tools to plan and track your spending

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Spend account[1]

Open an Account Online

Apply Now

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Important Legal Disclosures & Information

  1. Offer is contingent on product availability and may vary based on where you open your account and your address. For online origination, visit pnc.com and enter your home zip code to confirm product availability. For Branch/Solution Center origination, product availability will be based on the physical PNC location. You may earn a $200 reward if you open a new Virtual Wallet Checking Pro. Your reward amount is based on the product type you open. 

    To qualify for the reward, the new Spend account must be opened online via the application link on this page OR at a PNC Solution Center between 10/1/20 to 11/2/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Spend 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 "CREDIT CHECK PRO 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 Checking Pro. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $2,000 for Virtual Wallet Checking Pro. Credit card cash advance transfers, transfers from one account to another, wire transfers 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. 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 without a fee.

    Total ATM count includes PNC Partner ATMs.

  3. Annual Percentage Yield (APY) accurate as of 10/15/2020. The minimum balance to earn interest on your Virtual Wallet Checking Pro Growth account is $1.00.  We may refuse or return any deposit amount causing the combined balance of all of your PNC accounts to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).

    Rates and APYs may vary and may change after account opening. Fees may reduce earnings. Available in eligible markets. Business accounts not eligible. 

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

PNC WorkPlace Banking is a registered service 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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