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 your PNC Visa® Credit Card

What is Virtual Wallet?

Features and Benefits

  • Reimbursement of non-PNC ATM fees and other bank's surcharge fees.
    See how much in your area »
  • Free transactions at over 7,200 PNC ATMs
  • Bonus rewards with your PNC Visa® Credit Card
  • Earn cash with PNC Purchase Payback® [2]
  • Account earns interest on balances of $2,000 or more
  • Unlimited check-writing
  • 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[3]  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

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Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. 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