Fast, Easy, Secure
Apply online in as little as 10 minutes! It's safe and secure.
with innovative money management tools.
when you use only ATMs or mobile banking to make withdrawals and deposits.
With PNC Purchase Payback, earn cash rewards for purchases you already make.
Virtual Wallet helps you spend, save and grow your finances. It is made up of:
SPEND is your primary checking account. It's designed mainly for your everyday living and spending. With it you are required to receive a brand new Virtual Wallet Visa® Debit Card that you can use to make purchases (these purchases are deducted from your Spend account) or withdraw money at ATMs from any of your accounts. Your Spend account is what you'll use to pay bills by check or through Online Bill Pay, as well as to make your daily, weekly (and weekend) purchases. Best of all, it works in harmony with your Reserve account.
RESERVE Account is for your short-term savings. And it also functions as your primary Overdraft Protection account - so if you're at risk of overdrawing your Spend account (a Danger DaySM), money can be automatically transferred from your Reserve to your Spend, free of charge. Utilizing your reserve account is a great way to save up for things like a laptop, a sofa, a new mattress, a digital camera, etc. Bigger purchases, such as a house or even a honeymoon, can be saved up for in your Growth account.
GROWTH Account is your long-term savings account. It also acts as your secondary Overdraft Protection. The competitive interest rate* makes it perfect for you to build your nest egg and grow financially. Put money into your Growth account to save up for bigger, life-changing purchases down the road - a car, a down payment on a house, or to help pay off college loans. Best of all, you won't need to use another bank for a high-interest savings account - with Virtual Wallet, you have it all in one place.
*If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card or a PNC credit card included in your Virtual Wallet, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.
Staying on top of your money means seeing it clearly. Virtual Wallet gives you an instant snapshot of your situation, thanks to features like Quickview, the Money Bar® and the Calendar. They'll tell you what's available, what's going out, what's coming in — and they let you react quickly if you need to.
Calendar - It's more like a digital assistant that simplifies your banking needs. You'll see everything in one place — from what you're spending and making, to scheduled bill reminders, upcoming payments and balances. Learn More »
Money Bar® - Get a bird's eye view of what your money's up to. The Money Bar puts it all into three categories: Scheduled Out (the money allocated for bills and other payments), Free (money that's available to spend), and Reserve (the money you've tucked away). Learn More »
PNC Online Bill Pay - helps you stay on track. Bills are integrated with the Money Bar® and the Calendar, so you know how much money is set aside and when it's on the way out. Learn More »
Spending Zone - Spending Zone's SpendologySM tools provide a simple way to see what you're spending your money on each month - and get a hold on it. Broken down into categories like Education, Restaurants, Gas and more, it allows you to set a budget for each. Learn More »
Mobile Banking - PNC Mobile Banking lets you bank from your iPhone®, Android™ or other supported mobile device (tablet included), no matter where you are or what time it is. With the mobile deposit feature, you can even deposit money on the go. Learn More »
Danger DaySM - Color-coded in red (so you won't miss it), it shows up on your Calendar when your Spend account is at risk of being overdrawn. Learn More »
Savings Engine® - It gives you three easy ways to put cash aside — even when saving is not exactly top-of-mind. With the Payday Savings rule, a predetermined amount will automatically transfer from Spend to Growth on days you've designated as pay days. Learn More »
Punch the Pig® - When you're banking online, just "punch" the piggy bank that pops up, and money (the amount of your choice) will transfer from your Spend account to your Growth account. Learn More »
Wish List - The Wish List is where you'll set sights on the things you want and start saving. You can put money toward each item in your Reserve or Growth account, keep track of your progress, and transfer money to Spend when you've reached your goal. Learn More »
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:
Otherwise, the monthly service charge for Virtual Wallet is $7.
Earn cash back with PNC Purchase Payback and your PNC Bank Visa Debit Card
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® »
With a PNC points® Visa Credit Card
With a PNC Flex Visa Credit Card
In addition to basic name and address information, you’ll need:
Note – if applying for a joint account, you’ll need the address, Social Security number and government ID information for the joint applicant as well.
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.
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.
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.
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.
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.
PNC Flex 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