Virtual Wallet Student®

Checking. Savings.
No Monthly Service Fee.[1]

Three accounts - Spend (primary checking), Reserve (interest-bearing checking), and Growth (savings) accounts - all rolled into one.

Apply today to discover Virtual Wallet Student


If I Only Knew: Financial Lessons to My Younger Self

Personal finance expert Patrice Washington shares her debt to success journey and how to help manage your money.

Sorry you missed the live webcast. 

Watch the Recorded Video!

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Select your school to take advantage of any unique features and benefits.

Banking Built for students

A digital banking experience to keep your money organized while you’re in school.

What You Get

Spend – primary checking account

Reserve – interest-bearing checking account

Growth – long-term savings account

What You Need to Know

As an active student with Virtual Wallet Student, you’ll have no minimum balance requirement or monthly service charge for six years from the date of account opening.

At the end of the six years, your Virtual Wallet Student account will convert to Virtual Wallet and be 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.[1]

Features and Fees

Virtual Wallet Student Benefits 

Open a new Virtual Wallet Student and get certain benefits for up to six years, including:

  • No monthly service charge. (Spend account only) [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.
  • Automatic enrollment for online statements and documents the first time you sign on to PNC Online Banking, and the option to choose paper statements at no charge.

Plus, still receive benefits standard to Virtual Wallet, like:

  • A PNC Bank Visa® Debit Card
  • Free Mobile[3] and Online[4] Banking to manage your money how and when you want.
  • 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[5]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[5]
  • International Services including language interpretation. 

Ready to Get Started?

Open an Account Online

Quickly apply right from your computer or mobile device.

Apply Now

Spend & Reserve Wisely

Wherever you’re headed, our flexible checking accounts can make your student journey a little easier.


See what's free to spend

Money Bar® and Free Balance can help you see how much is available to spend. 

Danger DaysSM can let you know when your Spend account is at risk of being overdrawn.


Plan your bills and expenses

On your Calendar, see upcoming paydays and payments and schedule bill reminders.

Use your Reserve account to set aside money for things you’ll need later.


Stay on track with budgets

See where you spend the most with categories like shopping, restaurants and more.

Create budgets and alerts to stay on track.

Grow Your Savings

A student savings account with tools to start saving for your future.

Automate your savings

Getting paid? Set up automatic savings rules to move money to your Growth account on a regular basis.

Make saving fun

If you have extra money and want to save it on the fly, Punch the Pig®!

The amount is customizable and it will transfer to your Reserve or Growth account.

Work toward your goals

Start saving for the things you want and put money away for what you need.

Track your progress toward your goals.

Digital Banking

School can be difficult, but banking doesn’t have to be.

Manage your money with our Mobile[3] and Online Banking[4] tools. Virtual Wallet Student is available through our app or on the web from your desktop, tablet or phone, helping you plan your finances the way that’s most comfortable for you.

Send money with Zelle® »

Sending money is easy with Zelle and PNC. With an email address or mobile phone number, you can quickly send money to people you trust, regardless of where they bank in the U.S.[6]


Mobile Check Deposit »

You can securely deposit checks using the phone or tablet app.[3]


Transfer Money »

Transfer money easily between your PNC accounts in Online Banking or the Virtual Wallet app. You can also use Online Banking to transfer money between your PNC accounts and non-PNC accounts.[7]


Account Alerts »

Set up PNC Alerts to be notified of key activity on your PNC accounts such as your balances and important activity. When enrolled, parents can receive the same account alerts as students when balances are low.


Learn more about our Online and Mobile Banking tools »

Learn about your finances. Develop healthy habits. Make smarter decisions with your money.


Understand, Recognize, Protect and Act

Learn how you can help feel more confident and prepared to protect your personal identity, including ideas of what to do if your identity is compromised.

3:42 min video


The Value of Compounding: An Unexpected Outcome for the Tortoise and Hare

Did you know that the timing of when you start investing may be more important than how much you invest? Learn why and how you can benefit, even if you're starting small.

2:18 min video


A Race to Retirement & Growing Investments Faster

You may be familiar with the fable of “The Tortoise and The Hare,” but in this race there’s a twist due to a basic investment concept called compounding.

1 min read

Need More Info?

Frequently Asked Questions

Important Legal Disclosures & 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. 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.

  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. 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.

  6. Zelle should only be used to send or receive money with people you trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offer a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days.

  7. Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market or Savings account to a non-interest bearing checking account.

  8. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

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

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.

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

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