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.
Banking On Campus
Virtual Wallet Student® covers
your banking needs from
orientation to graduation.
Virtual Wallet Student
A Checking and Savings Account Made for Student Life
Named Best Overall
Best Banks for Students
— Money Magazine, 2021, 2022 & 2023
Benefits of Banking with PNC
PNC Digital Banking
Tools and resources using the latest technology that can help make your banking faster and easier.
Select Your School
Ready to apply online for Virtual Wallet Student? Find your school to get started.
Select your school to learn more and apply. If you don't see your school, choose "other."
Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft event (Spend account only). Although the fee may be refunded, the transaction will be considered an overdraft occurrence when determining any subsequent overdraft fee. You will be responsible for paying the overdraft balance.
PNC does not charge a fee for the Mobile Banking service. However, a supported mobile device is needed to use Mobile Banking. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage charges that may apply.
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.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Low Cash Mode 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.
Virtual Wallet Student 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.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.