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Virtual Wallet®

Helping you manage your financial life

Earn up to $400

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

It Starts With a Checking Account

In Virtual Wallet, your primary checking account is called Spend. Each Spend account comes with digital tools to help plan and track your spending.

Select from three different Spend accounts, designed to meet your specific needs.

  Virtual Wallet Virtual Wallet with Performance Spend Virtual Wallet with Performance Select
Monthly Service Charge

$7

$15

$25
No Monthly Service Charge if You Meet One of the Following

$500+ monthly direct deposit[1] to the Spend account

OR, $500+ monthly balance in Spend + Reserve[2]

OR, Account holder is age 62+

$2,000+ monthly direct deposit[1] to the Spend Account ($1,000+ total qualifying monthly direct deposits for WorkPlace Banking customers)

OR, $2,000+ monthly balance in Spend + Reserve[2]

OR, $10,000 in all PNC consumer deposit accounts[4]

$5,000+ monthly direct deposit[1] to the Spend account

OR, $5,000+ monthly balance in Spend + Reserve[3]

OR, $25,000 in all PNC consumer and/or investments accounts[4]
Minimum to Open Online

$0

$0

$0
ATM Fees and Reimbursement

As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]

AND, First 2 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions

AND, Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees

As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]

AND, First 4 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions

AND, Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees

As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]

AND, PNC does not charge a fee related to other banks' ATMs

AND, Up to $20 fee reimbursement per statement period for other financial institution's ATM surcharge fees
Interest Earned on Spend Balances of $2,000 or More

-

 ✔ ✔
Additional Checking or Savings Accounts with No Monthly Service Charge

Reserve & Growth

Reserve & Growth

Up to 8 accounts (includes Reserve & Growth)
Digital Tools to Help Manage Your Everyday Spending ✔ ✔ ✔

Accounts for Saving, Planning and Protection

Bundling checking and savings together creates one powerful solution. Add Reserve & Growth accounts to your Spend at no additional cost.

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

If you're at risk of overdrawing your Spend account, we'll automatically transfer available funds from your Reserve or Growth account. No additional setup required.

Tools to Help You Manage Your Money

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. 

Image for Illustrative Pursposes Only

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 DaysSM 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.

Get Ready to Change the Way You Bank

Select the Virtual Wallet that meets your needs

Virtual Wallet

Virtual Wallet 

    Earn $50 when you establish total qualifying direct deposit(s) of $500 or more to the Spend account✝

     


With Spend, Reserve & Growth, you get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]
  • First 2 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions
  • Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Two layers of overdraft protection
  • Digital tools to track your spending and automate your savings goals

 

Virtual Wallet Fine Print  |  Virtual Wallet Features and Fees


Checking and Savings. Together

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon


Or, select Spend only, you'll get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]
  • First 2 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions
  • Up to $5 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Digital tools to track your spending

 

Virtual Wallet Fine Print  |  Virtual Wallet Features and Fees

Checking Only

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Spend

    Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the Spend account✝

     


With Spend, Reserve & Growth, you get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]
  • First 4 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions
  • Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Two layers of overdraft protection
  • Digital tools to track your spending and automate your savings goals

 

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


Checking and Savings. Together

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon


Or, select Spend only, you'll get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]
  • First 4 PNC fee reimbursements per statement cycle on domestic or international non-PNC ATM transactions
  • Up to $10 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Digital tools to track your spending

 

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

Checking Only

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon

Virtual Wallet with Performance Select

Virtual Wallet with Performance Select

    Earn $400 when you establish total qualifying direct deposit(s) of $5,000 or more to the Spend account✝

     


With Spend, Reserve & Growth, you get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]and PNC does not charge for using other banks' ATMs 
  • Up to $20 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Two layers of overdraft protection
  • Digital tools to track your spending and automate your savings goals

 

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


Checking and Savings. Together

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon


Or, select Spend only, you'll get:

  • $0 minimum deposit to open online
  • As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5]and PNC does not charge for using other banks' ATMs 
  • Up to $20 fee reimbursement per statement period for other financial institution's ATM surcharge fees
  • Digital tools to track your spending

 

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


Checking Only

Apply Now

If you prefer to open this account in a branch, bring this coupon with you.
Email Me a Coupon

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Important Legal Disclosures and Information

  1. 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, wire transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.

  2. For Virtual Wallet Virtual and 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.

  3. 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.

  4. 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.

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

✝You may earn a $400 reward if you open a new Virtual Wallet with Performance Select. You may earn a $200 reward if you open a new Virtual Wallet with Performance Spend. You may earn 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 Virtual Wallet product must be opened online via the application links on this page OR in a branch using the appropriate coupon beginning 1/1/21 through 2/1/21, 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 "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 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, 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 24 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.

Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks 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.