Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.
Spend is your primary checking account. With the Spend account in Virtual Wallet, you have:
Digital tools that help you see what's free to spend, help you budget and reach your financial goals.
At no extra cost, you get two additional accounts.
These two accounts provide you with extra layers for overdraft protection and savings.
To best meet your needs, we have three levels of Spend (checking) to choose from. Explore the options below to compare account benefits further.
Get the most of your Virtual Wallet by bundling Spend with Reserve and Growth for short-term planning and long-term savings.
Apply online for the Virtual Wallet product that is right for you.
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 select submit.
Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
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 ($1,000 for WorkPlace or Military Banking customers) or $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.
For Virtual Wallet and Virtual Wallet with Performance Spend, the calculation of the $500 or $2,000 combined monthly checking balance requirement (respectively) includes the total of all funds in the Spend and Reserve from your package.
For Virtual Wallet with Performance Select, the calculation of the $5,000 combined monthly checking balance requirement includes the total of all funds in the Spend and Reserve from this package, and up to 6 linked “benefit” accounts if they are checking accounts. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints.
For Virtual Wallet with Performance Select accounts eligible for inclusion in the $25,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Select, may be considered in the combined average monthly balance relationship.
For Virtual Wallet with Performance Spend, accounts eligible for inclusion in the $10,000 combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit and/or retirement certificate of deposit. A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve for Virtual Wallet with Performance Spend, may be considered in the combined average monthly balance relationship.
Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. Customer must request account be linked to receive relationship benefits.
Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks of The PNC FInancial Services Group, Inc.
Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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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