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Virtual Wallet® is Checking & Savings. Together.
Three accounts, Spend, Reserve and Growth, paired with a suite of digital tools to help you keep track of your money.
See what's free to spend
Your Free Balance helps you do the math by subtracting bills you've scheduled and expenses that you've tracked from your available Spend account balance. It’ll also show you potential Danger DaysSM, when your Spend account is at risk of being over overdrawn.
With your Money Bar®, you’ll see how much is available to spend with your Free Balance, what you’ve set aside for bills and how much you’re saving in your Reserve goals.
Plan your bills and expenses
On your Calendar, you’ll see upcoming paydays and payments that you've set up, and a history of your posted Spend account transactions. You can pay bills, schedule bill reminders, and see potential Danger Days.
Use your Reserve account to set aside money for things you’ll need later. Then, easily move that money to the Spend account when you need it.
Stay on track with budgets
When you use your PNC debit card or included PNC Credit Card, you can see where you're spending your money with categories like shopping, restaurants, gas and more.
Create budgets and set up alerts so you know if you’re staying on track.
Automate your savings
Set up automatic savings rules to move money to your Reserve or Growth account on a regular basis, like when you receive a paycheck. Build your savings by taking advantage of competitive interest rates, including earning the higher relationship rate on the Growth account.[1]
Make saving fun
Realized you have some 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 and move the money to your other accounts when you’re ready.
Digital Banking
Manage your money the way you want.
Manage your money with our Online and Mobile Banking tools. Virtual Wallet 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.[2]
Mobile Check Deposit »
You can 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.[4]
Learn more about our Online and Mobile Banking tools »
Virtual Wallet
Earn $50 when you open & use a new Virtual Wallet by 9/30/19✝
Virtual Wallet
What You Get
- Spend — primary checking account
- Reserve — interest-bearing checking account
- Growth — long-term savings account
- Relationship rates — Earn higher interest rates[1]
- Tools to Help You Manage Your Spending and Saving
- Free transactions at approximately 9,000 PNC ATMs[5]
- Some PNC fees for non-PNC ATM transactions are reimbursed.[6]
- Earn cash with PNC Purchase Payback[7]
What You Need to Know
- $0 monthly service charge when you meet any ONE of the following requirements:
- $500 or more, in total qualifying direct deposits to your Spend, per statement period
- OR, $500 average monthly balance in Spend and Reserve
- OR, account holder is age 62 or over
- Otherwise, $7
How to Earn $50:
Open an Account Online
OR
If you prefer to open the account in a branch, bring this coupon with you.
Ready to Get Started?
Open in a Branch
Find a time that fits your schedule,
ask questions and apply in person.
Virtual Wallet with Performance Spend
Earn $200 when you open & use a new Virtual Wallet with Performance Spend
by 9/30/19✝
Virtual Wallet with Performance Spend
What You Get
- Spend — primary checking account, with interest paid on balances of $2,000 or more
- Reserve — interest bearing checking account
- Growth — long-term savings account
- Relationship rates — Earn higher interest rates[1]
- Tools to Help You Manage Your Spending and Saving
- Free transactions at approximately 9,000 PNC ATMs[5]
- Some PNC fees for non-PNC ATM transactions are reimbursed; fees charged by other institutions may be reimbursed.[6]
- Earn cash with PNC Purchase Payback[7]
What You Need to Know
- $0 monthly service charge when you meet any ONE of the following requirements:
- $2,000 or more, in total qualifying direct deposits to your Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
- OR, $2,000 average monthly balance in Spend and Reserve
- OR, $10,000 combined average monthly balance in PNC consumer deposits.
- Otherwise, $15
How to Earn $200
Open an Account Online
OR
If you prefer to open the account in a branch, bring this coupon with you.
Ready to Get Started?
Open in a Branch
Find a time that fits your schedule, ask questions
and apply in person.
Virtual Wallet with Performance Select
Earn $300 when you open & use a new Virtual Wallet with Performance Select
by 9/30/19✝
Virtual Wallet with Performance Select
What You Get
- Spend — primary checking account, with the highest level of interest paid on balances of $2,000 or more
- Reserve — interest bearing checking account
- Growth — long-term savings account
- Relationship rates — Earn even higher interest rates[1]
- Tools to Help You Manage Your Spending and Saving
- Free transactions at approximately 9,000 PNC ATMs[5]
- Some PNC fees for non-PNC ATM transactions are reimbursed[6]
- Earn cash with PNC Purchase Payback[7]
- Up to 6 additional checking or savings accounts with no monthly service charge
- Up to $10,000 in ID Theft reimbursement coverage[8]
What You Need to Know
- $0 monthly service charge when you meet any ONE of the following requirements:
- $5,000 or more, in total qualifying direct deposits to your Spend, per statement period
- OR, $5,000 average monthly balance in Spend and Reserve, including linked checking accounts
- OR, $25,000 combined average monthly balance in PNC consumer deposits and/or investments
- Otherwise, $25
How to Earn $300
Open an Account Online
OR
If you prefer to open the account in a branch, bring this coupon with you.
Ready to Get Started?
Open in a Branch
Find a time that fits your schedule, ask questions
and apply in person.
Virtual Wallet Student
Virtual Wallet Student
What You Get
- Spend — primary checking account
- Reserve — interest-bearing checking account
- Growth — long-term savings account
- Relationship rates — Earn higher interest rates[1]
- Tools to Help You Manage Your Spending and Saving
- When enrolled, parents can receive the same account alerts as students when balances are low
- PNC Bank Visa® Debit Card
Enjoy certain benefits for up to six years when you open a new Virtual Wallet Student account:
- No monthly service charge.[9]
- 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[6]
- $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[6]
- One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event[10]
- One incoming domestic or international wire transfer per statement period at no charge (Spend account only)
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.
Ready to Get Started?
PNC offers solutions that can help you confidently navigate your finances during any phase of life.
Let us help you gain the confidence you need to make important financial decisions for you and your family.
What are Spend, Reserve, and Growth?
Spend – Your Everyday Checking Account
Your Spend account can help you keep track of your spending tools to view your transactions, create budgets, pay bills and more. It also comes with benefits like: a debit card, unlimited check writing, and free transactions at over 9,000 PNC ATMs.
Reserve – Your Interest-Bearing Checking Account
You can use your Reserve account to set aside money for just about anything, including up-coming bills, a laptop, or a date night. Track your progress using your Savings Goals and easily move money to your Spend account when you need it.
Reserve functions as your primary Overdraft Protection for your Spend account.
Growth – Your Long-Term Savings Account
With your Growth account, you’ll get access to savings tools to help you work toward your goals and save for the future. And the more you save, the more you’ll earn. You can earn the relationship rate when you meet certain qualifications.
Growth also functions as secondary Overdraft Protection for your Spend account.[1]
What should I use the Reserve account for?
The Reserve account is a checking account for you to use in a way that works best for you.
Reserve keeps your money separate from other every day spending money, so you can use it to plan your expenses. Set up Savings Goals for rent, utilities, groceries or other recurring expenses. Then, when you’re ready to use it, transfer the money to your Spend account.
What is a qualifying direct deposit?
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.
Is this your zip code?
PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
If your zip code above is incorrect, please enter your home zip code and click submit.
Important Legal Disclosures and Information
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 Virtual Wallet Student, or $2,000 ($1,000 for PNC 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 higher 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.
Zelle should only be used to send to or receive money from people you trust. If you are unsure of a recipient’s email address or U.S. mobile phone number, before using Zelle to send money to that person, you should contact the recipient to confirm the information. Neither Zelle nor PNC offer a protection program for goods or services purchased or sold in which Zelle is used for payment. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take 1 to 3 business days to receive the money once the enrollment is complete.
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.
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.
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.
For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.
Covers up to $10,000 out of pocket expenses incurred to regain your identity and to repair your credit. Certain restrictions and deductibles apply. See the Summary Description of Benefits for the Personal, Internet and Identity Coverage Master Policy for details. Coverage applies to Primary Checking account only, not to additional checking, savings or money market accounts.
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.
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.
* Annual Percentage Yield (APY) accurate as of 5/1/2019. The minimum balance to earn interest on your 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.
✝ You may earn a $300 reward if you open a new Virtual Wallet with Performance Select, a $200 reward if you open a new Virtual Wallet with Performance Spend or a $50 reward if you open a new Virtual Wallet . You will only be considered for one reward amount, which is based on the product type you open.
To qualify for the reward, the new checking account must be opened online via the "Open an Account Online" links on this web page beginning 6/1/19 through 9/30/19 and the following conditions must be met within the first 60 days: (a) qualifying Direct Deposit(s) must be received and (b) 10 qualifying purchases must be made using the PNC Bank Visa® Debit card associated with the newly opened account. Your checking 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 "Cash Trans Promo 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 with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $5,000 for Virtual Wallet with Performance Select, $2,000 for Virtual Wallet with Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.
A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online using your debit card number, including recurring payments.
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 12 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 adviser regarding your specific situation.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
PNC points is a registered mark of The PNC Financial Services Group, Inc.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.
PNC WorkPlace Banking is a registered service mark of the PNC Financial Services Group, Inc.
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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