EARN $200

when you open and use a new
PNC Virtual Wallet® Checking Pro
through PNC WorkPlace Banking.®[1]

Virtual Wallet Checking Pro*
with Spend, Reserve & Growth

Checking + Savings

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM Locator[2]
  • 0.40% Annual Percentage Yield (APY)[3] interest rate on your Growth savings account
  • Growth account balances earn interest starting at $1[3]
  • Reserve account for short-term planning
  • Digital tools to plan and track your spending and automate your savings, now including Low Cash ModeSM[4]
  • Two layers of overdraft protection[5]

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro account[1]

Open an Account Online

Virtual Wallet Checking Pro with Spend, Reserve & Growth

Apply NowCheck Rates

Your must use the link provided for your selected product and type to open a PNC WorkPlace Banking checking product and access these rewards.

Virtual Wallet Checking Pro*
with Spend

Checking Only

  • No monthly fees
  • $0 minimum deposit to open
  • $20.00 reimbursement of other banks’ ATM surcharge fee per statement period
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM Locator[2]
  • Digital tools to plan and track your spending, now including Low Cash ModeSM[4]

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro account[1]

Open an Account Online

Virtual Wallet Checking Pro with Spend

Apply Now

Your must use the link provided for your selected product and type to open a PNC WorkPlace Banking checking product and access these rewards.

* Products and offers are not available in all areas. Virtual Wallet Checking Pro and the associated offer(s) are not available in the following states: AL, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI, WV, or Washington D.C. Virtual Wallet Checking Pro and the associated offer(s) will not be available in the following states as of June 25, 2021: AZ, CA, CO, NM and TX. Offer is contingent on product availability and may vary based on your address and where and how you open your account. Talk to your PNC Banker for details.  

Why PNC WorkPlace Banking®?

PNC's distinctive bank-at-work program helps make your financial life easier.  When you qualify for PNC WorkPlace Banking through your employer, you'll gain access to:

  • Personalized and dedicated service
  • Financial wellness education with topics suitable for every life stage
  • Certain offers and benefits for the the PNC WorkPlace Banking program. This includes certain offers on qualifying PNC credit cards, mortgage and refinance options, as well as a refer a coworker program

Important Legal Disclosures & Information

  1. Offer is contingent on product availability and may vary based on where you open your account and your address. For online origination, your home zip code will be used to determine product availability. For Branch/Solution Center origination, product availability will be based on the physical PNC location. You may earn a $200 reward if you open a new Virtual Wallet Checking Pro. Changing your product type any time after account opening and prior to the payout of your earned reward, could result in different offer requirements and reward amount. You will only be considered for one reward amount, which is based on the product type that you have open at the time that your account is reviewed for meeting offer stipulations.

    To qualify for the reward, the new Virtual Wallet Checking Pro Spend account must be opened online via the application links on this page beginning 6/28/2021 through 9/30/2021, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Virtual Wallet Checking Pro Spend account must remain open in order for you to receive the reward, which will be credited to the eligible account within 60–90 days after all conditions have been met and will be identified as “CREDITS CHECKPRO REWARD” on your monthly statement.

    A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet Checking Pro. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $2,000 for Virtual Wallet Checking Pro. Credit card cash advance transfers, wire transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

    New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

  2. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  3. Annual Percentage Yield (APY) accurate as of . The minimum balance to earn interest on your Virtual Wallet Checking Pro Growth account is $1.00.  We may refuse or return any deposit amount causing the combined balance of all of your PNC accounts to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).

    Rates and APYs may vary and may change after account opening. Fees may reduce earnings. Available in eligible markets. Business accounts not eligible. 

  4. Low Cash Mode is available on select Virtual Wallet products at this time and is only available on the Spend account of your Virtual Wallet product.

  5. Your Spend account automatically comes with Overdraft Protection by linking your Reserve and/or Growth accounts to your Spend account so you can use available funds to cover overdrafts.

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

Low Cash Mode is a service mark of The PNC Financial Services Group, Inc.

PNC WorkPlace Banking is a registered service mark of the PNC Financial Services Group, Inc.

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”).

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

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