Virtual Wallet® with Performance Spend

For those who want the innovative online tools of Virtual Wallet with more rewards for a broader relationship along with multiple ways to avoid the monthly service charge.

Fast, Easy, Secure

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

Account Summary Features and Fees

Key Features
Innovative Online and Mobile tools

that help you stay on top of your money.

Reimbursement of non-PNC ATM fees

See how much in your area.

Earn Bonus Rewards

Earn higher bonus rewards with select PNC Visa® Credit Cards

What is Virtual Wallet?

Features and Benefits

  • Some PNC fees and other bank's surcharge fees for use of non-PNC ATM are reimbursed. See how much in your area»
  • Free transactions at over 8,800 PNC ATMs
  • Bonus rewards with your PNC Visa® Credit Card
  • Earn cash with PNC Purchase Payback® [3]
  • Account earns interest on balances of $2,000 or more
  • Unlimited check-writing
  • Earn higher yield interest rates on your Growth account or with Premiere Money Market or Standard Savings account
  • Bonus rates on select CDs and IRA CDs
  • Free PNC-exclusive checks
  • Free Overdraft Protection set up and transfers
  • $10 annual fee discount on Safe Deposit Box
  • Free PNC Cashier's Checks
  • Free Stop Payments


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

  • $2,000 or greater, total qualifying direct deposits[1]  to the Spend, per statement period
  • OR, $2,000 average monthly balance in Spend and Reserve
  • OR, $15,000 combined average monthly balance[4] in PNC consumer deposits, loans including mortgage and/or investments

Otherwise, the monthly service charge for Virtual Wallet with Performance Spend is $15.

How to Apply

Meet Kami

"My biggest financial achievement is knowing that I saved enough money to enjoy life...Every check I put aside a certain amount of money. And it's simple to do."

- Kami S.

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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. 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. 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, line of credit, auto or home equity installment loan, mortgage loan 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.  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.

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

Android and Google Play are trademarks of Google Inc.

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

PNC points and CashBuilder  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