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SELECT OTHER ACCOUNTS TO COMPARE

Select 3 accounts from below to compare:

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Virtual Wallet® with Performance Select

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Virtual Wallet® with Performance Spend

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Virtual Wallet®

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Performance Select
Checking

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Performance
Checking

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Standard
Checking

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Virtual Wallet Student®

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Best for

Those who want innovative online tools + premium account features

Those who want innovative online tools + rewards for a broader banking relationship

Those who want innovative online tools + basic account features

Those who want a premium account with the highest level of rewards

Those who want rewards for their broader banking relationship

Those who want just the basics

Those who want innovative online tools + student account features.

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $5,000 or more average monthly balance in Spend + Reserve + up to 6 linked checking accounts
  • OR, $5,000 or more in total qualifying monthly direct deposits to the Spend[1]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits[2]

Otherwise, $25

No monthly service charge if you meet any ONE of the following:

  • $2,000 or more average monthly balance in Spend + Reserve
  • OR, $2,000 or greater, total qualifying direct deposits[1]  to the Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
  • OR, $10,000 combined average monthly balance in PNC consumer deposits[3]

Otherwise, $15

No monthly service charge if you meet any ONE of the following:

  • $500 or more average monthly balance in Spend + Reserve
  • OR, $500 or more qualifying monthly direct deposits[1]
  • OR, provide proof of active enrollment in a qualifying educational institution[4]
  • OR, account holder is age 62 or older

Otherwise, $7

No monthly service charge if you meet any ONE of the following:

  • $5000 or more average monthly balance in checking (includes up to 8 linked checking accounts)
  • OR, $5000 or more in total qualifying monthly direct deposits[1]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits[2]

Otherwise, $25

No monthly service charge if you meet any ONE of the following:

  • $2,000 or more average monthly balance in checking
  • OR, $2,000 or greater, total qualifying direct deposits[1]to the Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
  • OR, $10,000 combined average monthly balance in PNC consumer deposits[3]

Otherwise, $15

No monthly service charge if you meet any ONE of the following:

  • $500 or more average monthly balance in checking
  • OR, $500 or more qualifying monthly direct deposits[1]
  • OR, if you are 62 years or over

Otherwise, $7

No monthly service charge[5]

Other Account Features and Fees
Free use of PNC Bank ATMs

yes

y

y

Y

y

y

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

yes

yes

yes

yes

yes

yes

Check-writing

-
Unlimited

-
Unlimited

-
Unlimited

-
Unlimited

-
Unlimited

-
Unlimited

-
Unlimited

Overdraft Protection

Built-in with no setup or transfer fees

Built-in with no setup or transfer fees

Built-in with no setup or transfer fees

No setup or transfer fees

No setup or transfer fees

No setup or transfer fees

No setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

yes

yes

yes

yes

yes

yes

Free Online Statements+8

yes

yes

yes

yes

yes

yes

yes

Free Mobile Banking+9

yes

yes

yes

yes

yes

yes

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

yes

yes

yes

yes

yes

yes

Higher Relationship Rates on Savings Accounts

-

On Virtual Wallet Performance Select Growth Account

-

On Virtual Wallet Performance Spend Growth Account

-

On Virtual Wallet Growth Account

-

On Premiere Money Market and Standard Savings Accounts

-

On Premiere Money Market and Standard Savings Accounts

-

On Standard Savings Accounts

-

Additional Features
Discount on Check Orders


No charge for PNC Exclusive or $12 discount on select designs

-

$8 discount on select designs

-

-
PNC Exclusive or $12 discount

-
$8 discount on select designs

-

-

Free Cashier's Checks

-

-

-

-

-

-

-

Free Stop Payments

-

-

-

-

-

-

-

Free Identity Theft Reimbursement Insurance+11

-

Up to $10,000

-

-

-

Up to $10,000

-

-

-

Discount on Safe Deposit Box

-
$100 annually

-
$10 annually

-

-
$100 annually

-
$10 annually

-

-

Free Additional Checking Accounts

yes Up to 8 additional checking, savings or money market accounts

yes Integrated RESERVE account

sd Integrated RESERVE account

yes Up to 8 additional checking, savings or money market accounts

-

-

sd Integrated RESERVE account

Free Money Market or Savings Accounts

yes Up to 8 additional checking, savings or money market accounts

yes Integrated GROWTH account

yes Integrated GROWTH account

yes Up to 8 additional checking, savings or money market accounts

yes 1 savings or money market account

-

yes Integrated GROWTH account

Free domestic wire transfers

yes

-

-

yes

-

-

yesOne incoming domestic or international wire transfer per statement period at no charge. (Spend account only)

Virtual Wallet with Performance Select

Learn More »

Best for

Those who want innovative online tools + premium account features

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $5,000 or more average monthly balance in Spend + Reserve + up to 6 linked checking accounts
  • OR, $5,000 or more in total qualifying monthly direct deposits to the Spend[1]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits[2]

Otherwise, $25

Other Account Features and Fees
Free use of PNC Bank ATMs

yes

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

Built-in with no setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Virtual Wallet Performance Select Growth Account

Additional Features
Discount on Check Orders


No charge for PNC Exclusive or $12 discount on select designs

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Up to $10,000

Discount on Safe Deposit Box

-
$100 annually

Free Additional Checking Accounts

yes Up to 8 additional checking, savings or money market accounts

Free Money Market or Savings Accounts

yes Up to 8 additional checking, savings or money market accounts

Free domestic wire transfers

yes

Virtual Wallet with Performance Spend

Learn More »

Best for

Those who want innovative online tools + rewards for a broader banking relationship

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $2,000 or more average monthly balance in Spend + Reserve
  • OR, $2,000 or greater, total qualifying direct deposits[1]  to the Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
  • OR, $10,000 combined average monthly balance in PNC consumer deposits[3]

Otherwise, $15

Other Account Features and Fees
Free use of PNC Bank ATMs

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

Built-in with no setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Virtual Wallet Performance Spend Growth Account

Additional Features
Discount on Check Orders

-

$8 discount on select designs

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Discount on Safe Deposit Box

-
$10 annually

Free Additional Checking Accounts

yes Integrated RESERVE account

Free Money Market or Savings Accounts

yes Integrated GROWTH account

Free domestic wire transfers

-

Virtual Wallet

Learn More »

Best for

Those who want innovative online tools + basic account features

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $500 or more average monthly balance in Spend + Reserve
  • OR, $500 or more qualifying monthly direct deposits[1]
  • OR, provide proof of active enrollment in a qualifying educational institution[4]
  • OR, account holder is age 62 or older

Otherwise, $7

Other Account Features and Fees
Free use of PNC Bank ATMs

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

Built-in with no setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Virtual Wallet Growth Account

Additional Features
Discount on Check Orders

-

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Discount on Safe Deposit Box

-

Free Additional Checking Accounts

sd Integrated RESERVE account

Free Money Market or Savings Accounts

yes Integrated GROWTH account

Free domestic wire transfers

-

Performance Select Checking

Learn More »

Best for

Those who want a premium account with the highest level of rewards

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $5000 or more average monthly balance in checking (includes up to 8 linked checking accounts)
  • OR, $5000 or more in total qualifying monthly direct deposits[1]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits[2]

Otherwise, $25

Other Account Features and Fees
Free use of PNC Bank ATMs

Y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

No setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Premiere Money Market and Standard Savings Accounts

Additional Features
Discount on Check Orders

-
PNC Exclusive or $12 discount

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Up to $10,000

Discount on Safe Deposit Box

-
$100 annually

Free Additional Checking Accounts

yes Up to 8 additional checking, savings or money market accounts

Free Money Market or Savings Accounts

yes Up to 8 additional checking, savings or money market accounts

Free domestic wire transfers

yes

Performance Checking

Learn More »

Best for

Those who want rewards for their broader banking relationship

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $2,000 or more average monthly balance in checking
  • OR, $2,000 or greater, total qualifying direct deposits[1]to the Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
  • OR, $10,000 combined average monthly balance in PNC consumer deposits[3]

Otherwise, $15

Other Account Features and Fees
Free use of PNC Bank ATMs

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

No setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Premiere Money Market and Standard Savings Accounts

Additional Features
Discount on Check Orders

-
$8 discount on select designs

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Discount on Safe Deposit Box

-
$10 annually

Free Additional Checking Accounts

-

Free Money Market or Savings Accounts

yes 1 savings or money market account

Free domestic wire transfers

-

Standard Checking

Learn More »

Best for

Those who want just the basics

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge if you meet any ONE of the following:

  • $500 or more average monthly balance in checking
  • OR, $500 or more qualifying monthly direct deposits[1]
  • OR, if you are 62 years or over

Otherwise, $7

Other Account Features and Fees
Free use of PNC Bank ATMs

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

No setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

On Standard Savings Accounts

Additional Features
Discount on Check Orders

-

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Discount on Safe Deposit Box

-

Free Additional Checking Accounts

-

Free Money Market or Savings Accounts

-

Free domestic wire transfers

-

Virtual Wallet Student

Learn More »

Best for

Those who want innovative online tools + student account features.

Monthly Service Charge
Multiple ways to avoid the monthly service charge

No monthly service charge[5]

Other Account Features and Fees
Free use of PNC Bank ATMs

y

Some fees for using non-PNC ATMs are reimbursed+6

yes

Check-writing

-
Unlimited

Overdraft Protection

No setup or transfer fees

Online Money Management Tools
Free Online Banking and Bill Pay+7

yes

Free Online Statements+8

yes

Free Mobile Banking+9

yes

Rewards and Relationship Benefits
Earn cash with PNC Purchase Payback®+10

yes

Higher Relationship Rates on Savings Accounts

-

Additional Features
Discount on Check Orders

-

Free Cashier's Checks

-

Free Stop Payments

-

Free Identity Theft Reimbursement Insurance+11

-

Discount on Safe Deposit Box

-

Free Additional Checking Accounts

sd Integrated RESERVE account

Free Money Market or Savings Accounts

yes Integrated GROWTH account

Free domestic wire transfers

yesOne incoming domestic or international wire transfer per statement period at no charge. (Spend account only)

Important Legal Disclosures and Information

  1. A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.

  2. For Virtual Wallet with Performance Select, accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. For Virtual Wallet with Performance Spend, accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of eight (8) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. Customer must request account be linked to receive relationship benefits. The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance.

  3. Accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. Customer must request account be linked to receive relationship benefits.

  4. Provide proof of active enrollment in a qualifying educational institution to receive a monthly service charge waiver. This waiver expires 6 years after the account is enrolled in the student banking program.

  5. 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. 

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

  7. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  8. A fee may be charged if a paper statement is requested in addition to the online statement for an account.

  9. 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.

  10. 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.

  11. Covers up to $10,000 out of pocket expenses incurred to regain your identity and to repair your credit. Certain restrictions and deductibles apply. See the Summary Description of Benefits for the Personal, Internet and Identity Coverage Master Policy for details. Coverage applies to Primary Checking account only, not to additional checking, savings or money market accounts.

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

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

PNC Cash Rewards is a registered mark of The PNC Financial Services Group, Inc. 

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