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Virtual Wallet Student®

for Student Banking with PNC

We deliver tools to make student banking easier, whether you're on or off campus, so banking is one less thing to worry about.

Student-Friendly Tools

Virtual Wallet Student gives you the resources you need to help you keep track of your money.

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Account Summary
Features and Fees

Find Your School

See what unique features & benefits are available at your college or university.

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Key Features

Calendar

See your finances in one easy-to-read place.

 

Spending + Budgets

 

Helps you track and pace your spending by categorizing your purchases.

Parent Alerts

 

When enrolled, parents can receive the same account alerts as students when balances are low.

Account Features & Benefits

Enjoy certain benefits for up to six years when you open a new Virtual Wallet Student account: 
  • No monthly service charge.[1]
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event[2]
  • One incoming domestic or international wire transfer per statement period at no charge (Spend account only)
  • Automatic enrollment for online statements and documents the first time you sign-on to PNC Online Banking and option to elect paper statements at no charge

At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.

Plus, still receive standard benefits: 

  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period[3]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[3]
  • PNC Bank Visa® Debit Card
  • Free Online[4] and Mobile[5] Banking so you can manage your money how and when you want to Learn More »
Resources

What Our Customers Have to Say

 

Listen to Brian's Story

 

PNC opened a branch on the Morgan State campus. Brian signed up for Virtual Wallet Student and hasn’t looked back. His school-branded account fits in with his own sense of school pride: "I love to showcase my institution. It's like paraphernalia I don't have to pay for!"

 

APPLY FOR VIRTUAL WALLET STUDENT

Related Content

Important Legal Disclosures and Information

  1. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. 

  2. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft or Returned Item event. (Spend account only) Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft or NSF fee. You will be responsible for paying the overdraft balance and the Continuous Overdraft Fee may apply if the account remains overdrawn after the first event.

  3. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.

  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.

  5. 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.

Visa is a registered trademark of Visa International Service Association and used under license.

Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

The PNC Financial Services Group, Inc. All rights reserved.