Virtual Wallet® with Performance Select

Virtual Wallet with Performance Select has all the innovative tools that come with Virtual Wallet along with greater benefits like higher interest rates on savings and the highest level of rewards with a PNC Visa Credit Card.

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Key Features
Innovative Online and Mobile Tools

that help you stay on top of your money.

Free non-PNC ATMs

Get unlimited reimbursement of non-PNC ATM surcharge fees

Higher Interest Rate

Get a higher interest rate on your Growth account.*

Free non-PNC ATMs

Get free transactions at PNC and
non-PNC ATMs.

Earn bonus rewards

Earn the highest level of rewards with your PNC Visa Credit Card

What is Virtual Wallet?

Features and Benefits

  • Free PNC and non-PNC ATM transactions, including unlimited reimbursement of non-PNC ATM surcharge fees
  • Up to 6 free checking, savings or money market accounts
  • Free domestic wire transfers
  • Earn higher bonus rewards with your PNC Visa® Credit Card
  • Earns interest on balances of $2,000 or more
  • Earn cash with PNC Purchase Payback®[2]
  • Bonus rates on select CDs and IRA CDs
  • Free PNC-exclusive checks or $12 discount
  • Annual fee savings on consumer home equity and consumer personal line of credit accounts[3]
  • Identity-theft reimbursement insurance up to $10,000[4]
  • Free Overdraft Protection set up and transfers
  • $100 annual fee discount on Safe Deposit Box
  • Free American Express Travelers Cheques
  • Free PNC Cashier's Checks
  • Free ATM Statements
  • Free Stop Payments

Requirements

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

  • $5,000 or more in total, qualifying direct deposits[5] to the Spend, per statement period
  • OR, $5,000 average monthly balance in Spend + Reserve including linked checking accounts
  • OR, $25,000 combined average monthly balance[6] in PNC consumer deposits and/or investments

Otherwise, the monthly service charge for Virtual Wallet with Performance Select is $25.

How to Apply

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PNC Mobile Banking

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Manage Your Credit Cards Online

Add the power of PNC Online Banking or Virtual Wallet to your PNC Visa Credit Card and see how easy it can be to keep track of your day-to-day spending.

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Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. Loans and lines of credit subject to credit approval. Discount only applicable as long as payments are set up for automatic deduction from a PNC Checking account. The removal of any discount, such as auto deduction or employee, will increase the rate.

  4. 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.

  5. 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.

  6. PNC deposit accounts include consumer checking, savings, money market, certificate of deposit, and 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 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. 

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Android and Google Play are trademarks of Google Inc.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group.

CashBuilder, PNC points and PNC Flex are registered marks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

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