Personal Checking

Checking at PNC is Virtual Wallet.

In today's world, you need more than just a checking account.  Virtual Wallet starts with checking (we call it Spend) and digital tools to help you manage your money and stay on track. Whether you select Spend only or add planning, saving and protection with Reserve & Growth, Virtual Wallet works as a powerful solution for today's banking needs.  

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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 fees per statement period
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[1]
  • 0.40% Annual Percentage Yield (APY)[2] interest rate on your Growth savings account
  • Growth account earns interest on balances starting at $1[2]
  • Reserve account for short-term planning
  • Digital tools to plan and track your spending and automate your savings, including Low Cash ModeSM
  • Two layers of overdraft protection
Available in eligible markets.*

 

 Earn $200 when you open and use a new Virtual Wallet Checking Pro*

 

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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[1]
  • Digital tools to plan and track your spending, including Low Cash ModeSM
Available in eligible markets.+

 

 Earn $200 when you open and use a new Virtual Wallet Checking Pro*

 

Explore Account Details

Virtual Wallet Student®

Checking + Savings

  • No monthly service charge for the first 6 years (Spend account only)[3]
  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period[4]
  • $5.00 reimbursement of other banks’ ATM surcharge fee per statement period[5]
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event.[5]
  • Free transactions at nearly 18,000 ATMs across the country as listed on our ATM locator[1]
  • Digital tools to plan and track your spending and automate your savings, including Low Cash ModeSM
  • Students AND parents can enroll to receive account alerts when balances are low

 

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Important Legal Disclosures and Information

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

  2. 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. 

  3. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. 

  4. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.

  5. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft or Returned Item event. (Spend account only) Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft or NSF fee. You will be responsible for paying the overdraft balance.

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

* 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. Offer not available online in AZ, CA, CO, NM & TX. 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. Changing your product type after opening an account could result in your account being reviewed and paid a different reward amount. You will only be considered for one reward amount, which is based on the product type that you have open at the time that your account is reviewed for meeting offer stipulations.

To qualify for the reward, the new Virtual Wallet Checking Pro must be opened online (offer not available online in AZ, CA, CO, NM & TX) via the application link on this page OR at a PNC Solution Center between 5/1/21 to 6/30/21, 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 "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 24 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.

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

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