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 18,000 ATMs across the country, as listed on our ATM locator[2]
  • 0.40% 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, now including Low Cash ModeSM[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 18,000 ATMs across the country, as listed on our ATM locator[2]
  • Digital tools to plan and track your spending, now including Low Cash ModeSM[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

Introducing Low Cash ModeSM in the PNC Mobile App[6]

Take control of your account when your balance is low.  Low Cash Mode delivers real-time intelligent alerts that let you know when your balance is low, allows you to choose whether certain transactions[7] should be paid or returned when your balance is negative, and gives you at least 24 hours to bring your account out of the negative so you can avoid overdraft fees.

  • Extra Time – you’ll have at least 24 hours to bring your available spend account[4] balance to at least $0[8] before you are charged overdraft fees.

  • Payment Control – you can choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions),[7] when your balance is negative.

  • Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.[9]

Learn more »

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. For origination through a PNC location, 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. Changing your product type any time after account opening and prior to the payout of your earned reward, could result in different offer requirements and reward amount.

    To qualify for the reward, the new Virtual Wallet Checking Pro must be opened online via the application links on this page between 7/1/2021 to 12/31/2021, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Virtual Wallet Checking Pro 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 CHECKPRO 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 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 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. 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 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 available on select Virtual Wallet products at this time and 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.

  6. 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.

  7. Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  8. In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees.  See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  9. PNC Alerts are free to customers. 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.

*Virtual Wallet Checking Pro will no longer be available in the following states as of June 25, 2021: AZ, CA, CO, NM and TX

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

Low Cash Mode is a service mark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

BBVA is a registered trademark of BBVA, S.A. and is used under license.

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