Virtual Wallet®

See Your Money. Differently.

This is not your typical bank product. It's an entirely new approach, designed to make life easier and transform the way you spend, save and grow your money. Welcome to finance that's a little more personal.

Fast, Easy, Secure

Apply online in as little as 10 minutes!

Results in Real Life

See how Virtual Wallet has helped others.



Manage Your Financial Life

Life doesn't get any less complicated — especially when it comes to your money. Virtual Wallet gives you one clear picture of your money, so you can understand it, stay in control, plan for the future and reach your goals.

Take A Fresh Look at Your Money

Virtual Wallet's unique online and mobile features give you an instant snapshot of your situation, so you can better understand your money.

Calendar, Bill Pay & Danger Day℠

See Everything in One Place

Calendar, Bill Pay & Danger Day℠


This is not your average calendar. It's more like a digital assistant that simplifies your banking needs. You'll see everything in one place on a calendar view — your upcoming payday, what you're spending and when you spent it, your scheduled bill reminders and your upcoming payments. You can also see any impending Danger Day℠ and use Online Bill Pay, which means worrying less and making sure late payments don't happen again. Feeling better already, aren't you?

Bill Pay

Gone are the days of worrying about every bill and due date. With PNC Online Bill Pay, we'll help you stay on track. Bills are integrated with the Money Bar® and the Calendar, so you know how much money is set aside and when it's on the way out. You can schedule payments whenever you need to — or set up recurring, automatic payments for even less worry. And while the Calendar is one way to remind yourself of your obligations, we can also send you emails about upcoming due dates to keep you on top of things. You have enough deadlines. Go ahead and cross this one off.

Danger Day

We've all had those weeks when the bills outweigh the paychecks and due dates loom. Enter Danger Day. Color-coded in red (so you won't miss it), it shows up on your Calendar when your Spend account is at risk of being overdrawn. This way, you can keep ahead by moving money from Reserve or changing the day a bill is paid. Stay on time, every time.

Images for illustrative purposes only.

Next Feature: Money Bar

Spend, Save and Grow

Virtual Wallet is comprised of three distinct accounts, working together as one seamless, online money management tool.

SPEND is your primary checking account.
It's designed for your everyday spending. Debit card purchases are deducted from your Spend (you can withdraw money at ATMs from any of your accounts). You’ll use Spend to pay bills by check or through Online Bill Pay. It also works in harmony with your Reserve.

GROWTH is your long-term savings account.
It functions as your secondary Overdraft Protection. The competitive interest rate[2] makes it perfect for you to build your nest egg and grow financially. Put money into your Growth to save up for life-changing purchases ahead - a car, a down payment on a house, or even a dream vacation.


RESERVE is your short-term savings account.
It functions as your primary Overdraft Protection — so if you're at risk of overdrawing your Spend account, money can be automatically transferred from your Reserve to your Spend at no charge. Utilize your Reserve to set aside money for upcoming expenses.

Add a PNC Credit Card.
Rewards, cash back or low matter what you are looking for in a credit card, we've got you covered. Add your PNC credit card to your Virtual Wallet to receive the same money management tools and view of your spending.
Find the right credit card for you »


Ready to Get Started?

We have different editions of Virtual Wallet, designed to fit your specific needs.


Virtual Wallet

Spend, save and grow your finances with our innovative money management tools.
Learn More »


Virtual Wallet Student

A simple way for students (and their parents) to keep money organized while away at school.
Learn More »

Supercharge Your Virtual Wallet

If you want to earn bonus rewards with your PNC Visa® Credit Cards, get greater ATM benefits, earn higher interest on balances and more, you can supercharge your Virtual Wallet with Performance Spend or with Performance Select.


Virtual Wallet with
Performance Spend

Virtual Wallet plus rewards for your broader banking relationship.
Learn More »


Virtual Wallet with
Performance Select

Virtual Wallet with premium account features and the highest level of rewards and benefits.
Learn More »




"I need to give a shout-out to @PNCBank and #VirtualWallet for changing the way I do my banking. #BreakthroughBusiness"

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Know You're Covered for Chaotic Moments

With PNC, know you're

set for what's ahead.


We Also Recommend

PNC Visa® Credit Cards

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PNC Online & Mobile Banking

Bank at your convenience and take control of your money.

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Direct Deposit

With Direct Deposit, have your paycheck or any regularly scheduled payment deposited electronically into your checking, savings or money market account.

Learn More »

Important Legal Disclosures and Information

  1. 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.

  2. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card or linked PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $500 for Virtual Wallet, or 2,000 ($1,000 for Workplace) for Virtual Wallet with Performance Spend or $5,000 for Virtual Wallet with Performance Select, you'll earn the high yield rate (relationship rate) on your Growth account for the following month. 

    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. 

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Android is a trademark of Google 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

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