Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
Virtual Wallet®
Checking Pro
Helping you manage your
financial life.
Available in eligible markets.+
Tools to Help You Manage Your Money

Take control of your account when your balance is low. Low Cash Mode delivers real-time intelligent alerts that let you know when your balance is low, allows you to choose whether certain transactions[8] should be paid or returned, and gives you at least 24 hours to bring your account out of the negative so you can avoid overdraft fees.
- Extra Time – you’ll have at least 24 hours to bring your available account[1] balance to at least $0[9] before you are charged overdraft fees.
- Payment Control – you can choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions),[8] when your balance is negative.
- Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.[10]

Virtual Wallet's patented digital tools help you to see what's free to spend, stay on track with your budget and reach your financial goals.
Budget and spend wisely
Know your balance is low
Stick to your plan
It Starts With a Great Checking Account
No minimum balance. No monthly fees. Member FDIC.

Getting started and funding your account is simple and safe.
Minimum to open | $0 |
Minimum balance | $0 |
Monthly service charge | $0 |
ATM transaction fees |
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Easily fund your account |
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Accessing your money is easy to do anytime, anywhere.
- Manage your money through the PNC Mobile app[5] or online banking.
- Make purchases with your PNC Bank Visa® Debit Card, or with PNC Pay® on select Android™ devices or other digital payment options.
- Deposit checks with the PNC Mobile app[5] or at ATMs.
- Transfer money between your PNC accounts or from your external accounts.[4]
- Schedule and track bill payments with Online Bill Pay.[6]
- Access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM locator[3] and get reimbursed for up to $20.00 for other banks' ATM surcharge fees per statement period.
- Write unlimited checks.
- Send and receive money with people you know and trust in the US using Zelle®[7]
Add Accounts for Planning, Saving & Protection
Bundling checking and savings together creates one powerful solution. Add Reserve & Growth accounts to your Spend, no additional set-up is required.

Set aside money and save more
- Reserve is an additional checking account that lets you plan your spending by setting money aside for upcoming events, bills or an unforeseen expense.
Growth is a competitive rate savings account to save for the future and work toward big goals.
Two layers of overdraft protection
Your Spend account automatically comes with Overdraft Protection by linking your Reserve and/or Growth accounts to your Spend account so you can use available funds to cover overdrafts.
Get Ready to Change the Way You Bank
Select the Virtual Wallet that meets your needs.
Virtual Wallet Checking Pro with Spend,
Reserve & Growth

Checking
(In Virtual Wallet, your Checking is called Spend)
- No monthly fees
- $0 minimum deposit to open
- Digital tools to plan and track your spending, including Low Cash Mode[1]
+ Planning, Savings and Protection
(Add Reserve & Growth at no additional cost)
Virtual Wallet Checking Pro with Spend
Checking
(In Virtual Wallet, your Checking is called Spend)
- No monthly fees
- $0 minimum deposit to open
- Digital tools to plan and track your spending, including Low Cash Mode[1]