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 bonus rewards when you link a select PNC credit card.*

Fast, Easy, Secure

Apply online in as little as 10 minutes! It's safe and secure.

Key Features
Innovative Online & Mobile Tools

that help you stay on top of your money.

No PNC fees for use of non-PNC ATMs

Other banks' surcharge fees are reimbursed. See how much in your area »

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 & Benefits

  • No PNC fees for use of non-PNC ATMs. Other banks' surcharge fees are reimbursed. See how much in your area »
  • Free transactions at approximately 9,000 PNC ATMs
  • Up to 6 free checking, savings or money market accounts
  • Free domestic wire transfers
  • Bonus rewards when you link a select PNC credit card*
  • Earns interest on balances of $2,000 or more
  • Earn cash with PNC Purchase Payback®[3]
  • Free PNC Exclusive checks or $12 discount on other select designs
  • Earn higher relationship rates on your Growth account or with Premiere Money Market or Standard Savings account
  • Discount on select personal loans and lines of credit[4]
  • Identity-theft reimbursement insurance up to $10,000[5]
  • Free Overdraft Protection set up and transfers
  • $100 annual fee discount on Safe Deposit Box
  • Free PNC Cashier's Checks
  • Free ATM Statements
  • Free Stop Payments



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

  • $5,000 or more in total, qualifying direct deposits[1] 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

We Also Recommend

Performance Select Checking

With Performance Select checking, you have access to our highest level of rewards and benefits along with free ATMs.

Account Summary


Learn More »
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PNC Private Client

An exclusive program for qualifying PNC Bank deposit customers that offers rewarding financial solutions and personalized guidance designed to help address everyday needs and achieve long-term goals.

Learn More »

Important Legal Disclosures & 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. 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.

  3. 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.

  4. 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.

  5. 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.

  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. 

*The term "select PNC credit card" includes PNC points as well as cards no longer being offered such as PNC Flex and CashBuilder credit cards.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google Pay and Google Play™ store are trademarks of Google Inc.

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

PNC points is a registered mark 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