Virtual Wallet®

If all you want are innovative online money management tools and basic account features, this maybe the right account for you.

Fast, Easy, Secure

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

Account Summary Features and Fees

Key Features
See and understand your money

with innovative money management tools.

Avoid the monthly service charge

when you use only ATMs or mobile banking to make withdrawals and deposits.

Get cash rewards

With PNC Purchase Payback, earn cash rewards for purchases you already make.

What is Virtual Wallet?
Features and Benefits

Features and Benefits

  • Virtual Wallet is free when you use only ATMs, online or mobile banking to make withdrawals and deposits
  • Free transactions at over 8,800 PNC ATMs
  • Some PNC fees for non-PNC ATM transactions are reimbursed. See how much in your area»
  • Free transactions at over 8,800 PNC ATMs
  • Unlimited check writing
  • Earn higher yield relationship interest rates on your Growth account
  • Earn cash with PNC Purchase Payback® [3]
  • Earn bonus rewards with PNC Flex® Visa® and PNC points® Visa® Credit Cards
  • Free Online Banking and Bill Pay[4]

Want more? You can supercharge your Virtual Wallet!

If you want to earn bonus rewards with your PNC Visa® Credit Cards, get greater ATM benefits, earn higher interest on balances and more, you can supercharge your Virtual Wallet with Performance Spend or with Performance Select.


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

  • Use ATMs or mobile banking to make withdrawals and deposits
  • OR, $500 or more, in total qualifying direct deposits[1] to the Spend, per statement period
  • OR, $500 average monthly balance in Spend and Reserve
  • OR, With Virtual Wallet Student

Otherwise, the monthly service charge for Virtual Wallet is $7.

Rewards and Bonuses

Earn Rewards

Earn cash back with PNC Purchase Payback and your PNC Bank Visa Debit Card[3]

Simply visit your Rewards Center in Online Banking and activate the offers you want; then shop or dine using your PNC Bank Visa Debit Card and follow the instructions on the offer. The cash you earn is then deposited into the account you choose. The more you use your card for purchases, the more offers you'll see.

Learn more about PNC Purchase Payback® »

Earn Bonus Relationship Rewards

With a PNC points® Visa Credit Card

  • Get 25% on base points earned when meeting checking account minimum balance requirements. Learn More »


Earn a higher yield relationship interest rates on your Virtual Wallet Growth account

Get a higher relationship rate on your Growth account when you set up a qualifying monthly direct deposit[1] of at least $500 to your Spend account OR make at least 5 qualifying purchases in a month with your PNC Debit Card or a linked PNC Visa® Credit Card.

See interest rates on your Growth account in your area »

How to Apply

Meet Praj

"My biggest financial achievement is that I could save for mine and my daughter's education."

-Praj A.

Find the Right Checking Account

We Also Recommend

Direct Deposit

With Direct Deposit, have your paycheck or any regularly scheduled payment deposited electronically into your checking, savings or money market account.

Learn More »

PNC Mobile Banking

Enjoy the convenience of Online Banking right from your mobile device with PNC Mobile Banking.

Learn More »

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.

Learn More »

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. 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.

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 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