Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
PNC's Virtual Wallet is checking
and savings together to help you manage your financial life.
Including:
Low Cash Mode®[1]
An innovative game changing digital tool to help you avoid overdraft fees.
Checking at PNC Bank is Virtual Wallet
You'll get all the great benefits of banking with PNC, plus some additional tools unique to Virtual Wallet. Virtual Wallet combines checking and savings accounts and includes:
Digital money management tools all in one place
Low Cash Mode® gives you more control when your balance is low[1]
2,600+ locations and approximately 60,000 PNC and Partner ATMs[2]
Choose Your Virtual Wallet
Virtual Wallet includes a Spend checking account, Reserve checking and Growth savings account at no charge to help manage your money. Choose the one that’s best for you:
Virtual
Wallet
Includes:
- Spend - primary checking account
- Reserve - secondary checking account for
short-term planning - Growth - long-term savings account
- $7 monthly service charge, or $0 with $500 in direct deposits to your Spend or a combined balance between
checking accounts[3] - Relationship interest rates on your Growth account[4]
Check Rates
Virtual Wallet with Performance Spend
Includes:
- Spend - primary checking account
- Reserve - secondary checking account for
short-term planning - Growth - long-term savings account
- $15 monthly service charge, or $0 with $2,000+
in direct deposits to your Spend or a combined balance between checking accounts[3],[5] - Reimbursements available for some non-PNC ATM fees[2]
- Higher relationship interest rates on your Growth account[4]
Check Rates
Virtual Wallet with Performance Select
Includes:
- Spend - primary checking account
- Reserve - secondary checking account for
short-term planning - Growth - long-term savings account
- $25 monthly service charge, or $0 with $5,000+ in direct deposits to your Spend or a combined balance between checking accounts[3],[6]
- No PNC charges for using other banks' ATMs and increased reimbursements available on other banks' fees[2]
- Highest relationship interest rates on your Growth account[4]
Check Rates - No charge for domestic wires
With Virtual Wallet You Get
Three accounts paired with digital tools to help you manage your money
Three accounts help you spend, plan and save.
It's easy to move money between accounts so you can stay organized and on track to achieve your goals.
- Spend is your primary checking account – you’ll also get a debit card with contactless technology, to pay with just a tap.
- Reserve is your secondary checking account – for any of your short-term budget planning needs.
- Growth is your long-term savings account to help meet your goals.
Virtual Wallet’s digital tools bring it all together.
- Zelle® helps you easily send and receive money with people you know and trust.[7]
Explore Zelle® - Low Cash Mode® gives you more control when your balance is low and extra time to get your balance out of the negative.[1]
Explore Low Cash Mode - Spending categories mean you can review and stay on top of how you are spending and budget better for the future.
- Calendar allows you to schedule and track upcoming bills and paydays, so you can plan ahead.
- Savings goals and rules allow you to track and make progress for longer term planning.
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