Virtual Wallet^®

Calendar

This is not your average calendar, it's your bill payment hub. 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.

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Get a bird's eye view of what your money's up to. The Money Bar puts it into three categories: Scheduled Out (the money allocated for bills and other payments), Free (money that's available to spend), and Reserve (the money you've tucked away). It's our way of making everything clearer.

Once you've got a good idea of where everything is, you can make adjustments. Need extra money for date night? Got a little left over you want to put toward that vacation? Using the Slider, you can move money back and forth between Spend and Reserve with no effort. Managing your funds is literally in your hands.

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What's the point of working hard if you're not treating yourself once in a while, right? The Wish List is where you'll set sights on the things you want and start saving. You can put money toward each item in your Reserve account, keep track of your progress, and transfer money to Spend when you've reached your goal. And you can give certain items priority. So, if you really need a new fridge before that trip to Bora Bora, you can put money where it's needed.

And while we're on the subject, don't forget Reserve Items. They let you set aside money for future expenses and get a reminder on your Calendar.

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It's easy for money to fly out the door, especially when you're having fun. Spending + Budget's tools provide a simple way to see what you're spending your money on each month - and get a hold on it. Broken down into categories like Education, Restaurants, Gas and more, it allows you to set a budget for each. You can also set up to get handy reminder emails if you're close to maxing out your budget for any category. That way, you can hit the brakes before going over the edge.

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You can't always think about saving, especially when you're too busy spending. That's why we built the Savings Engine. It gives you three easy ways to put cash aside — even when saving is not exactly top-of-mind. With the Payday Savings rule, a predetermined amount will automatically transfer from Spend to Growth on days you've designated as pay days. Bill Pay makes it easy to transfer money to Growth whenever you pay a bill online from your Calendar. Punch the Pig® is an on-the-fly way to add money to Growth while you're banking online.

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The only thing more rewarding than saving money is having a little fun doing it. That's the idea with Punch the Pig. When you're banking online, just "punch" the piggy bank and money (the amount of your choice) will transfer from your Spend account to your Growth account. (That "punch" is a "shake" for smartphone users.) Go ahead. You know you want to.

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With Virtual Wallet, your bank is only as far away as your mobile device. You can bank when and where you want with the Virtual Wallet app. You can use your iPhone®, Android™ or other supported mobile devices, including tablets.

Our app offers you all the same major features found on desktop combined with exclusive tools like mobile deposit, Money Bar Preview and Zelle^® — a multi-bank, person-to-person network that allows you to send and receive money from the convenience of your mobile device.

Learn More »

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