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Virtual Wallet® is Checking & Savings. Together.

Three accounts, Spend, Reserve and Growth, paired with a suite of digital tools to help you keep track of your money.

It's fast, easy and secure!

Get Started

Annual Percentage Yield (APY)

Earn -.--% APY*

or

Earn -.--% APY*

with a relationship rate when you meet certain requirements[1]

Available in eligible markets. Excludes Virtual Wallet Student.

Earn

$50  or  $200  or  $300

when you open & use a select, new Virtual Wallet product✝

Annual Percentage Yield (APY)

Earn -.--% APY*

or

Earn -.--% APY*

with a relationship rate when you meet certain requirements[1]

Available in eligible markets. Excludes Virtual Wallet Student.

Earn

$50  or  $200  or  $300

when you open & use a select, new Virtual Wallet product✝

Annual Percentage Yield (APY)

Earn -.--% APY*

with a relationship rate on the Growth savings account in your
Virtual Wallet Performance Select or Virtual Wallet Performance Spend
when you meet certain requirements[1]


Available in eligible markets. Check rates in your area »

Earn

$50  or  $200  or  $300

when you open & use a select, new Virtual Wallet product✝

Spend & Reserve Wisely

Flexible checking accounts that can
help simplify your spending plan.

 

See what's free to spend

Your Free Balance helps you do the math by subtracting bills you've scheduled and expenses that you've tracked from your available Spend account balance. It’ll also show you potential Danger DaysSM, when your Spend account is at risk of being overdrawn.

With your Money Bar®, you’ll see how much is available to spend with your Free Balance, what you’ve set aside for bills and how much you’re saving in your Reserve goals.

 

Plan your bills and expenses

On your Calendar, you’ll see upcoming paydays and payments that you've set up, and a history of your posted Spend account transactions. You can pay bills, schedule bill reminders, and see potential Danger Days.

Use your Reserve account to set aside money for things you’ll need later. Then, easily move that money to the Spend account when you need it.

 

Stay on track with budgets

When you use your PNC debit card or included PNC Credit Card, you can see where you're spending your money with categories like shopping, restaurants, gas and more.

Create budgets and set up alerts so you know if you’re staying on track.

Grow Your Savings

A savings account with tools that help
you to bring your goals within reach.

Automate your savings

Set up automatic savings rules to move money to your Reserve or Growth account on a regular basis, like when you receive a paycheck.  Build your savings by taking advantage of competitive interest rates, including earning the higher relationship rate on the Growth account.[1]

Make saving fun

Realized you have some extra money and want to save it on the fly? Use your piggy bank!

The amount is customizable and it will transfer to your Reserve or Growth account.

Work toward your goals

Start saving for the things you want and put money away for what you need. Track your progress toward your goals and move the money to your other accounts when you’re ready.

Digital Banking

Manage your money the way you want.

Manage your money with our Online and Mobile Banking tools. Virtual Wallet is available through our app or on the web from your desktop, tablet or phone, helping you plan your finances the way that’s most comfortable for you.
 

Send money with Zelle® »

Sending money is easy with Zelle and PNC. With an email address or mobile phone number, you can quickly send money to people you trust, regardless of where they bank in the U.S.[2]
 

Mobile Check Deposit »

You can deposit checks using the phone or tablet app.[3]
 

Transfer Money »

Transfer money easily between your PNC accounts in Online Banking or the Virtual Wallet app. You can also use Online Banking to transfer money between your PNC accounts and non-PNC accounts.[4]
 

Learn more about our Online and Mobile Banking tools »

Different versions designed to fit your needs

Which Virtual Wallet is Right For You?

Select tabs below to view offer details for each product

Virtual Wallet

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

Virtual Wallet


Good tier

What You Get

  • Spend — primary checking account
  • Reserve — interest-bearing checking account
  • Growth — long-term savings account
  • Relationship rates — Earn higher interest rates[1]
  • Tools to Help You Manage Your Spending and Saving
  • Free transactions at approximately 9,000 PNC ATMs[5]
  • Some PNC fees for non-PNC ATM transactions are reimbursed[6] 
  • Earn cash with PNC Purchase Payback®[7]
  • PNC Bank Visa® Debit Card automatically issued

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $500 or more, in total qualifying direct deposits to your Spend, per statement period
    • OR, $500 average monthly balance in Spend and Reserve
    • OR, account holder is age 62 or over
    • Otherwise, $7  

How to Earn $50:

Open an Account Online

Apply Now

Open a new Virtual Wallet

Establish total qualifying direct deposit(s) of $500 or more to the new account✝

We deposit $50 into your account

How to Earn $50:

Open an Account Online

Apply Now

OR

If you prefer to open the account in a branch, bring this coupon with you.

Email Me A Coupon

Contact your local branch for current availability.

Open a new Virtual Wallet

Establish total qualifying direct deposit(s) of $500 or more to the new Spend account✝

We deposit $50 into your account

Ready to Get Started?

Open an Account Online

Quickly apply right from your
computer or mobile device.

Apply Now

Open in a Branch

Find a time that fits your schedule,
ask questions and apply in person.

Schedule an Appointment

Ready to Get Started?

Open an Account Online

Quickly apply right from your computer or mobile device.

Apply Now

Virtual Wallet with Performance Spend

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

Virtual Wallet with Performance Spend

Better tier

What You Get

  • Spend — primary checking account, with interest paid on balances of $2,000 or more
  • Reserve — interest bearing checking account
  • Growth — long-term savings account
  • Relationship rates — Earn higher interest rates[1]
  • Tools to Help You Manage Your Spending and Saving
  • Free transactions at approximately 9,000 PNC ATMs[5]
  • Some PNC fees for non-PNC ATM transactions are reimbursed; fees charged by other institutions may be reimbursed[6] 
  • Earn cash with PNC Purchase Payback®[7]
  • PNC Bank Visa® Debit Card automatically issued

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $2,000 or more, in total qualifying direct deposits to your Spend, per statement period ($1,000 for WorkPlace Banking or Military Banking customers)
    • OR, $2,000 average monthly balance in Spend and Reserve
    • OR, $10,000 combined average monthly balance in PNC consumer deposits.
    • Otherwise, $15

How to Earn $200

Open an Account Online

Apply Now

Open a new Virtual Wallet with Performance Spend

Establish total qualifying direct deposit(s) of $2,000 or more to the new account✝

We deposit $200 into your account

How to Earn $200

Open an Account Online

Apply Now

OR

If you prefer to open the account in a branch, bring this coupon with you.

Email Me A Coupon

Contact your local branch for current availability.

Open a new Virtual Wallet with Performance Spend

Establish total qualifying direct deposit(s) of $2,000 or more to the new Spend account✝

We deposit $200 into your account

Ready to Get Started?

Open an Account Online

Quickly apply right from your
computer or mobile device.

Apply Now

Open in a Branch

Find a time that fits your schedule, ask questions
and apply in person.

Schedule an Appointment

Ready to Get Started?

Open an Account Online

Quickly apply right from your computer or mobile device.

Apply Now

Virtual Wallet with Performance Select

Earn $300 when you open & use a new Virtual Wallet with Performance Select✝

Virtual Wallet with Performance Select

Best tier

What You Get

  • Spend — primary checking account, with the highest level of interest paid on balances of $2,000 or more
  • Reserve — interest bearing checking account
  • Growth — long-term savings account
  • Relationship rates — Earn even higher interest rates[1]
  • Tools to Help You Manage Your Spending and Saving
  • Free transactions at approximately 9,000 PNC ATMs[5]
  • Some PNC fees for non-PNC ATM transactions are reimbursed[6]
  • Earn cash with PNC Purchase Payback®[7]
  • Up to 6 additional checking or savings accounts with no monthly service charge
  • PNC Bank Visa® Debit Card automatically issued

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $5,000 or more, in total qualifying direct deposits to your Spend, per statement period
    • OR, $5,000 average monthly balance in Spend and Reserve, including linked checking accounts
    • OR, $25,000 combined average monthly balance in PNC consumer deposits and/or investments
    • Otherwise, $25

 

How to Earn $300

Open an Account Online

Apply Now

Open a new Virtual Wallet with Performance Select

Establish total qualifying direct deposit(s) of $5,000 or more to the new account✝

We deposit $300 into your account

How to Earn $300

Open an Account Online

Apply Now

OR

If you prefer to open the account in a branch, bring this coupon with you.

Email Me A Coupon

Contact your local branch for current availability.

Open a new Virtual Wallet with Performance Select

Establish total qualifying direct deposit(s) of $5,000 or more to the new Spend account✝

We deposit $300 into your account

Ready to Get Started?

Open an Account Online

Quickly apply right from your
computer or mobile device.

Apply Now

Open in a Branch

Find a time that fits your schedule, ask questions
and apply in person.

Schedule an Appointment

Ready to Get Started?

Open an Account Online

Quickly apply right from your computer or mobile device.

Apply Now

Virtual Wallet Student

Virtual Wallet Student

Student tier

What You Get

  • Spend — primary checking account
  • Reserve — interest-bearing checking account
  • Growth — long-term savings account
  • Relationship rates — Earn higher interest rates[1]
  • Check Available Rates
  • Tools to Help You Manage Your Spending and Saving
  • When enrolled, parents can receive the same account alerts as students when balances are low
  • PNC Bank Visa® Debit Card automatically issued

Enjoy certain benefits for up to six years when you open a new Virtual Wallet Student account: 

  • No monthly service charge.[8]
  • Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period[6]
  • $5.00 reimbursement of other financial institutions’ ATM surcharge fee per statement period[6]
  • One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event[9]
  • One incoming domestic or international wire transfer per statement period at no charge (Spend account only)

At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.

Features and Fees

Check Available Rates

Ready to Get Started?

Open an Account Online

Quickly apply right from your computer or mobile device.

Apply Now

Why Choose PNC?

Trusted for over 160 Years

PNC offers solutions that can help you confidently navigate your finances during any phase of life.

Let us help you gain the confidence you need to make important financial decisions for you and your family.

Learn more about us »

Need More Info?

Frequently Asked Questions

What is a qualifying direct deposit?

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.

Is this your 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. If you make at least five qualifying purchases in a month with your linked consumer Visa® Debit Card and/or PNC consumer credit card, or set up a qualifying monthly direct deposit of at least $5,000 for Virtual Wallet with Performance Select, $2,000 ($1,000 for PNC WorkPlace Banking® or Military Banking customers) for Virtual Wallet with Performance Spend, or $500 for Virtual Wallet, you’ll earn the corresponding relationship rate on your Growth account for the following month. Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date you initiated the transaction. 

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.

  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.

  3. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  4. You may not make more than a total of six (6) transfers each statement cycle from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Savings or Money Market account being changed to a Standard Checking account, which will be subject to the features and fees as described in the Consumer Schedule of Service Charges and Fees in effect at that time.  We reserve the right to suspend enforcement of these transaction limitations, at our discretion.

  5. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

  6. For additional information, see the Virtual Wallet Features and Fees or Consumer Schedule of Service Charges and Fees.

  7. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa Card to make purchases. Not everyone will get the same offer.

  8. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. 

  9. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft or Returned Item event. (Spend account only) Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft or NSF fee. You will be responsible for paying the overdraft balance.

* Annual Percentage Yield (APY) accurate as of 7/1/2020. The minimum balance to earn interest on your Growth account is $1.00.  We may refuse or return any deposit amount causing the combined balance of all of your PNC accounts to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).

Rates and APYs may vary and may change after account opening. Fees may reduce earnings. Available in eligible markets.  Business accounts not eligible. 

 

✝ You may earn a $300 reward if you open a new Virtual Wallet with Performance Select, a $200 reward if you open a new Virtual Wallet with Performance Spend or a $50 reward if you open a new Virtual Wallet . You will only be considered for one reward amount, which is based on the product type you open.

To qualify for the reward, the new checking account must be opened online via the application link on pnc.com/virtualwallet OR at a branch between 4/1/20 to 7/31/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your checking account 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 "Cash Trans Promo Reward" on your monthly statement.

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 or $500 for Virtual Wallet. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

✝ You may earn a $300 reward if you open a new Virtual Wallet with Performance Select, a $200 reward if you open a new Virtual Wallet with Performance Spend or a $50 reward if you open a new Virtual Wallet . You will only be considered for one reward amount, which is based on the product type you open.

To qualify for the reward, the new checking account must be opened online via the application link on pnc.com/virtualwallet between 4/1/20 to 7/10/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your checking account 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 "Cash Trans Promo Reward" on your monthly statement.

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 or $500 for Virtual Wallet. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC points is a registered mark of The PNC Financial Services Group, Inc.

PNC Purchase Payback is a registered mark of The PNC Financial Services Group, Inc.

PNC WorkPlace Banking is a registered service mark of the PNC Financial Services Group, Inc.

Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

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.

The PNC Financial Services Group, Inc. All rights reserved.