Virtual Wallet®

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

Fast, Easy, Secure

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

Key Features
Control your cash flow 

Use the Calendar as your bill payment hub to pay bills and create reminders, view upcoming paydays and plan ahead. 

Track your spending and create budgets

See how your spending changes over time and set up budgets to curb your spending. 

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

  • Free transactions at approximately 9,000 PNC ATMs
  • Some PNC fees for non-PNC ATM transactions are reimbursed. See how much in your area»
  • Unlimited check writing
  • Earn higher relationship rates on your Growth account
  • Earn cash with PNC Purchase Payback® [3]
  • Bonus rewards when you link a select PNC credit card*
  • Free Online Banking and Bill Pay[4]


Want more? You can supercharge your Virtual Wallet!

If you want to earn bonus rewards when you link a select PNC credit card*, 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:

  • $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
  • OR, account holder is age 62 or over

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

Bonus rewards when you link a PNC points® credit card

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


Earn a higher relationship rate 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

We Also Recommend

Standard Checking

If you want basic account features and a traditional online banking experience, then Standard Checking may be the right solution for you.

Account Summary


Learn More »

Mobile Banking

We offer a number of mobile options, including mobile apps, mobile web and text 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.

*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