Virtual Wallet®

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.

Get Started

Apply online in minutes! It's fast, easy and secure.

Open in a Branch

Find a time that fits your schedule, ask questions and apply in person.

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.

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 a select PNC credit card, 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 »

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 and/or 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 Banking or Military Banking customers) for Virtual Wallet with Performance Spend or $5,000 for Virtual Wallet with Performance Select, you'll earn the relationship rate on your Growth account for the following month. Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date you initiated the transaction. 

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.

    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. 

The customer videos on this site are non-paid testimonials by real PNC customers.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID 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.

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

Bank deposit products and services provided by PNC Bank. Member FDIC

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