Virtual Wallet Overview

Including:

Low Cash Mode®[2]

An innovative game changing digital tool to help you avoid overdraft fees.

Checking at PNC Bank is Virtual Wallet

Your Virtual Wallet comes complete with helpful digital tools, linked checking and savings accounts, plus:

Checking at PNC Bank is Virtual Wallet

Your Virtual Wallet comes complete with helpful digital tools, linked checking and savings accounts, plus:

2,300+ locations and approximately 60,000 PNC and Partner ATMs[1]

Digital money management tools all in one place

Low Cash Mode® gives you more control when your balance is low[2]

Checking at PNC Bank is Virtual Wallet

Your Virtual Wallet comes complete with helpful digital tools, linked checking and savings accounts, plus:

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

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[1]
  • 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[1]
  • 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.[2]
    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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