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SELECT OTHER ACCOUNTS 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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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 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 your Spend + Reserve and up to 6 additional PNC Bank consumer checking accounts[1] you have chosen to link
  • OR, $5,000 or more in total qualifying monthly direct deposits to the Spend[2]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits and investments[3]

Otherwise, $25

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

  • $2,000 or more average monthly balance in Spend + Reserve[4]
  • OR, $2,000 or greater, total qualifying direct deposits[2]  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[4]
  • OR, $500 or more qualifying monthly direct deposits[2]
  • OR, account holder is age 62 or older

Otherwise, $7

No monthly service charge[5]

Other Account Features and Fees
Free use of PNC Bank ATMs

yes

yes

yes

yes

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

yes

yes

yes

yes

Check-writing

yes
Unlimited

yes
Unlimited

yes
Unlimited

yes
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

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

yes

yes

yes

yes

Free Online Statements+8

yes

yes

yes

yes

Free Mobile Banking+9

yes

yes

yes

yes

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

yes

yes

yes

yes

Higher Relationship Rates on Savings Accounts+11, 12

yes

On the Growth account within Virtual Wallet Performance Select

yes

On the Growth account within Virtual Wallet Performance Spend

yes

On the Growth account within Virtual Wallet

-

Additional Features
Discount on Check Orders

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

yes

$8 discount on select designs

-

-

Free Cashier's Checks

yes

yes

-

-

Free Stop Payments

yes

-

-

-

Discount on Safe Deposit Box

yes
$100 annually

yes
$10 annually

-

-

Free domestic wire transfers

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 your Spend + Reserve and up to 6 additional PNC Bank consumer checking accounts[1] you have chosen to link
  • OR, $5,000 or more in total qualifying monthly direct deposits to the Spend[2]
  • OR, $25,000 combined average monthly balance in PNC consumer deposits and investments[3]

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

yes
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+11, 12

yes

On the Growth account within Virtual Wallet Performance Select

Additional Features
Discount on Check Orders

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

Free Cashier's Checks

yes

Free Stop Payments

yes

Discount on Safe Deposit Box

yes
$100 annually

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[4]
  • OR, $2,000 or greater, total qualifying direct deposits[2]  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

yes

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

yes

Check-writing

yes
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+11, 12

yes

On the Growth account within Virtual Wallet Performance Spend

Additional Features
Discount on Check Orders

yes

$8 discount on select designs

Free Cashier's Checks

yes

Free Stop Payments

-

Discount on Safe Deposit Box

yes
$10 annually

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[4]
  • OR, $500 or more qualifying monthly direct deposits[2]
  • OR, account holder is age 62 or older

Otherwise, $7

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

yes
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+11, 12

yes

On the Growth account within Virtual Wallet

Additional Features
Discount on Check Orders

-

Free Cashier's Checks

-

Free Stop Payments

-

Discount on Safe Deposit Box

-

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

yes

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

yes

Check-writing

yes
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+11, 12

-

Additional Features
Discount on Check Orders

-

Free Cashier's Checks

-

Free Stop Payments

-

Discount on Safe Deposit Box

-

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. For Virtual Wallet with Performance Select, the calculation of the $5,000 combined monthly checking balance requirement includes the total of all funds in the Spend and Reserve from this package, and up to 6 linked “benefit” accounts if they are checking accounts. 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. 

  2. 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 with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

  3. For Virtual Wallet with Performance Select accounts eligible for inclusion in the $25,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. 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. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Select, may be considered in the combined average monthly balance relationship.

    For Virtual Wallet with Performance Spend, accounts eligible for inclusion in the $10,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Spend, may be considered in the combined average monthly balance relationship.

    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. Customer must request account be linked to receive relationship benefits.

  4. For Virtual Wallet with Performance Spend and Virtual Wallet, the calculation of the $2,000 or $500 combined monthly checking balance requirement (respectively) includes the total of all funds in the Spend and Reserve from your package.

  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. In order to qualify for a Relationship Rate, you must have a linked checking account (for the Performance Checking Relationship Rate, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend; for the Performance Select Checking Relationship Rate, you must have a linked Performance Select Checking or Virtual Wallet with Performance Select) and meet one of the following requirements: 

    • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa Credit Card.
    • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month. 
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or Performance Select Checking during the previous calendar month. 

    (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.)

    Starting with the calendar month following when you open your Premiere Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

    If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Premiere Money Market account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges,  or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applied to all of your PNC accounts.

  12. In order to qualify for the Relationship Rate for Standard Savings, you must have a linked Standard Checking, Performance Checking, Virtual Wallet with Performance Spend, Performance Select Checking or Virtual Wallet with Performance Select and meet any one of the following requirements:

    • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your linked Visa Credit Card.
    • Have $500 in qualifying direct deposits in a linked Standard Checking during the previous calendar month.
    • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or a Performance Checking during the previous calendar month.
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or a Performance Select Checking during the previous calendar month.

    (A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature PIN, or a purchase made electronically or online using your debit card number, including recurring payments.)

    Starting with the calendar month following when you open your Standard Savings account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

    If you or we make changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Standard Savings account), you may no longer qualify for a Relationship Rate.

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

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