Virtual Wallet is Checking & Savings. Together.

Out of Footprint - Virtual Wallet Checking Pro

Including

Low Cash Mode^®

An innovative game changing digital
tool to help you avoid overdraft fees.^[1]

Get a 4.65%

Annual Percentage Yield (APY) on your
Virtual Wallet Checking Pro
Growth account.^[2]

Tools to Help You Manage Your Money

Including Low Cash Mode^®[1] in the PNC Mobile App,^[5] an innovative, game-changing tool that helps you avoid overdraft fees.

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]

Learn More About Low Cash Mode

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

Calendar shows you upcoming paydays, payments that you've set up and a history of your posted transactions.
Money Bar^® displays the money you've scheduled for bills and what's free to spend.
Spending & Budgets allows you to group your spending into categories like "Gas" and "Restaurants," create category budgets and set up to receive alerts so you know if you are staying on track.

Know your balance is low

Danger Day^SM appear on your Calendar when your Spend account is at risk of being overdrawn so that you can adjust your spending or move money from savings.
Alerts can be set up to monitor your accounts for certain activities and you choose how you'd like to receive notifications

Stick to your plan

Savings Rules help make saving a little easier with automatic transfers that you set to move money into your Reserve or Growth accounts on a regular basis, like when you receive a paycheck or pay a bill.
Savings Goals help you save for the things you want and put away money for what you need. Create goals in either or both your Reserve and Growth accounts to save for anything, from a new TV to an upcoming vacation.

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	Access your money fee-free at nearly 60,000 ATMs across the country, as listed on our ATM Locator^[3] Get up to $20.00 reimbursed for other banks' ATM surcharge fees per statement period
Easily fund your account	Transfer from an external account or another PNC account^[4] Deposit checks via your tablet or mobile phone^[5] Deposit checks or cash at an ATM Receive domestic incoming wires at no-fee

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)

4.65% Annual Percentage Yield (APY)^[2] interest rate on your Growth savings account.
Growth account balances earn interest starting at $1.^[2]
Reserve account for short-term planning.
Digital tools to create, track and automate savings goals.
Two layers of overdraft protection.

Apply Now

Check Rates

Account Agreement | Features and Fees

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]

Apply Now

Account Agreement | Features and Fees

We Also Recommend

Virtual Wallet Student

Personal Credit Cards

PNC Debit Cards

Business Checking

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In Footprint

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.

Virtual Wallet with Performance Spend includes a reimbursements of the first 2 PNC fees at domestic or international non-PNC ATMs and, up to $5 for other bank's ATM surcharge fees each statement cycle. Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.
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. Exclusions apply. See product Features and Fees for more details.
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.
For Virtual Wallet with Performance Spend, the $10,000 combined average monthly balance includes all linked PNC consumer accounts. For Virtual Wallet with Performance Select, the $25,000 combined average monthly balance includes all linked PNC consumer and investment accounts. See product Features and Fees for more details.

A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve, 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.
For Virtual Wallet with Performance Select, the $25,000 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.
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.

✝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 $100 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 09/01/2023 through 10/31/2023, 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.

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Virtual Wallet^® Checking Pro

Helping you manage your
financial life.

Low Cash Mode^®

Get a 4.65%

Tools to Help You Manage Your Money

Including Low Cash Mode^®[1] in the PNC Mobile App,^[5] an innovative, game-changing tool that helps you avoid overdraft fees.