Welcome to PNC! How can we help you today?

When autocomplete results are available use up and down arrows to review and enter to select. Touch device users, explore by touch or with swipe gestures.

Virtual Wallet®

Checking & Savings. Together.
Helping you manage your financial life.

Apply Now

Compare Accounts »

Earn up to $400

when you open and use a select, new Virtual Wallet.✝

Earn up to $400

when you open and use a select, new Virtual Wallet.✝

Earn up to 4.00%

Annual Percentage Yield (APY) on select Virtual Wallet Growth accounts with relationship rates. The APY shown is the highest balance tier relationship rate for Virtual Wallet with Performance Select Growth Account.**


Checking & Savings Together Create One Powerful Solution

Three accounts paired with digital tools to help you manage your money.

Virtual Wallet by PNC Bank

Everything you need in one place to manage your money online and on your mobile device.

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 All the Ways You Want


Spend is your primary checking account. With the Spend account in Virtual Wallet, you have:

  • Zelle®[2] to quickly send and receive money with people you know and trust
  • Contactless Debit Card technology, pay with just a tap
  • Access your money fee-free at approximately 60,000 ATMs across the country as listed on our PNC Locator[3]
  • And much more!

 

Digital Tools to Help Manage Your Money


Digital tools that help you see what's free to spend, help you budget and reach your financial goals.

  • Low Cash Mode® gives you more choice and control when your balance is low or negative[1]
  • Schedule upcoming paydays and payments to budget spending
  • Create goals and save
  • Move money easily between accounts

 

Set Aside Money and Save

At no extra cost, you get two additional accounts.

  • Reserve, an additional checking account to set money aside for short-term planning.
  • Growth a savings account with competitive rates.

These two accounts provide you with extra layers for overdraft protection and savings.

 

Get Ready to Change the Way You Bank

Compare Accounts »

1

First, select your
Virtual Wallet.

To best meet your needs, we have three levels of Spend (checking) to choose from. Explore the options below to compare account benefits further.

2

Choose Checking Only or Checking & Savings Together.

Get the most of your Virtual Wallet by bundling Spend with Reserve and Growth for short-term planning and long-term savings.

3

Apply
Online

Apply online for the Virtual Wallet product that is right for you.

Virtual Wallet

 Earn $50 when you open and use a new Virtual Wallet✝ product

  • $7 monthly service charge, or $0 when you meet any ONE of the following requirements:
    • $500+ monthly direct deposit[4] to the Spend account
    • OR, $500+ monthly balance in Spend + Reserve[5]
    • OR, account holder is age 62+

Virtual Wallet Fine Print
Virtual Wallet Features and Fees




Checking & Savings. Together.


  • Spend – primary checking account
  • Reserve – secondary checking account for short-term planning
  • Growth – long-term savings account
  • Two layers of overdraft protection
  • Digital tools to track your spending AND to automate your savings goals
  • Low Cash Mode


Apply for Checking & Savings

Check Rates




Checking Only


  • Spend – primary checking account
  • Digital tools to track your spending
  • Low Cash Mode


Apply for Checking


Virtual Wallet with Performance Spend

 Earn $200 when you open and use a new Virtual Wallet with Performance Spend✝ product

  • $15 monthly service charge, or $0 when you meet any ONE of the following requirements:
    • $2,000+ monthly direct deposit[4] to the Spend account ($1,000+ total qualifying monthly direct deposit for WorkPlace Banking or Military Banking customers)
    • OR, $2,000+ monthly balance in Spend + Reserve[5]
    • OR, $10,000 in all PNC consumer deposit accounts[7]
  • Each statement cycle, reimbursement of:
    • the first 2 PNC fees at domestic or international non-PNC ATMs
    • AND, up to $5 for other bank's ATM surcharge fees


Virtual Wallet Fine Print
Virtual Wallet with Performance Spend Features and Fees




Checking & Savings. Together.


  • Spend – primary checking account
  • Reserve – secondary checking account for short-term planning
  • Growth – long-term savings account
  • Two layers of overdraft protection
  • Digital tools to track your spending AND to automate your savings goals
  • Low Cash Mode


Apply for Checking & Savings

Check Rates




Checking Only


  • Spend – primary checking account
  • Digital tools to track your spending
  • Low Cash Mode


Apply for Checking


Virtual Wallet with Performance Select

 Earn $400 when you open and use a new Virtual Wallet with Performance Select✝ product

  • $25 monthly service charge, or $0 when you meet any ONE of the following requirements:
    • $5,000+ monthly direct deposit[4] to the Spend account
    • OR, $5,000+ monthly balance in Spend + Reserve[6]
    • OR, $25,000 in all PNC consumer and/or investments accounts[7]
  • No charge for using other banks' domestic or international ATMs
  • Up to $10 fee reimbursement per statement period for other banks' ATM surcharge fees


Virtual Wallet Fine Print
Virtual Wallet with Performance Select Features and Fees




Checking & Savings. Together.


  • Spend – primary checking account
  • Reserve – secondary checking account for short-term planning
  • Growth – long-term savings account
  • Two layers of overdraft protection
  • Digital tools to track your spending AND to automate your savings goals
  • Low Cash Mode


Apply for Checking & Savings

Check Rates




Checking Only


  • Spend – primary checking account
  • Digital tools to track your spending
  • Low Cash Mode


Apply for Checking


We Also Recommend

Is this your home zip code?

 Submit

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.

 

 

Important Legal Disclosures and Information

  1. Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

  2. Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use. 

  3. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

✝Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. For online or phone origination, the Zip code of your primary address will be used to determine product availability. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page from 04/01/2023 through 06/30/2023, and a qualifying Direct deposit(s) must be received within the first 60 days. Your Virtual Wallet product 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 Credits Check Reward on your monthly statement.

A qualifying Direct Deposit for this offer, 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 Spend 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, wire transfers, person to person transfers, transfers from one account to another or deposits made at a physical PNC location or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for offer if you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate and other specialty titled accounts are excluded from this offer. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.

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

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.

**Important Information About Virtual Wallet Growth Account Relationship Rates

Check Rates

All rates and Annual Percentage Yields (APYs) are accurate as of 4/4/23. The minimum amount to earn interest is $1.00. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changed, call 1-888-PNC-BANK.

The Relationship Rate APY balance tiers for Virtual Wallet Growth account are as follows: 2.30% for balances $1 - $2,499.99; 2.55% for balances $2,500 and above.

The Relationship Rate APY balance tiers for Virtual Wallet with Performance Spend Growth account are as follows: 2.55% for balances $1 - $9,999.99; 3.30% for balances $10,000 - $24,999.99; 3.30% for balances $25,000 - $49,999.99; 3.30% for balances $50,000 - $99,999.99; 3.30% for balances $100,000 - $249,999.99; 3.30% for balances $250,000 - $499,999.99; 3.30% for balances $500,000 - $999,999.99; and 3.30% for balances $1,000,000+.

The Relationship Rate APY balance tiers for Virtual Wallet with Performance Select Growth account are as follows: 4.00% for balances $1 - $9,999.99; 4.00% for balances $10,000 - $24,999.99; 4.00% for balances $25,000 - $49,999.99; 4.00% for balances $50,000 - $99,999.99; 4.00% for balances $100,000 - $249,999.99; 4.00% for balances $250,000 - $499,999.99; 4.00% for balances $500,000 - $999,999.99; and 4.00% for balances $1,000,000+.

In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:

  • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
  • Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
  • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
  • Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
    (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.)

Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.