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
  • Access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator[2]
  • 4.50% 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, including Low Cash Mode®[4]
  • Two layers of overdraft protection[5]

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro[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
  • Access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator[2]
  • Digital tools to plan and track your spending, including Low Cash Mode®[4]

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

Open an Account Online

Apply Now

Important Legal Disclosures & Information

  1. 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 $200 reward if you open and use a new Virtual Wallet Checking Pro. 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 04/01/2023 through 06/30/2023, 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 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, 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.

  2. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  3. Annual Percentage Yield (APY) accurate as of . 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. 

  4. Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

  5. Your Spend account automatically comes with Overdraft Protection by linking your Reserve and/or Growth accounts to your Spend account so you can use available funds to cover overdrafts.

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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