Virtual Wallet®

Helping you manage your financial life

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You’re Nearing Your Account Conversion

Per the terms of your account agreement, at its six-year anniversary, your Virtual Wallet Student will convert to Virtual Wallet. Your account and debit card numbers will remain the same, so any recurring transactions and bill payments will continue to process without interruption. Please check the preferences section in Online Banking to view your exact conversion date.

PNC provides a wide range of Virtual Wallet options. If you believe a different Virtual Wallet might better suit your needs, review options to make the switch.

Review available Virtual Wallet options»

 

Tools to Help You Manage Your Money

Now including Low Cash Mode®[1] in the PNC Mobile App,[6]
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[7] should be paid or returned when your balance is negative, 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 spend account[1] balance to at least $0[8] 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),[7] when your balance is negative.

  • Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.[9]

Learn more »




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

  • A Danger DaySM appears 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 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

Minimum to Open Online

$0

$0

$0

Monthly Service Charge if requirements are met

$0

$0

$0

Requirements to obtain $0 Monthly service charge

$500+ monthly direct deposit[2] to the Spend account

OR, $500+ monthly balance in Spend + Reserve[3]

OR, Account holder is age 62+

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

OR, $2,000+ monthly balance in Spend + Reserve[3]

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

$5,000+ monthly direct deposit[2] to the Spend account

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

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

Monthly Service Charge if requirements are NOT met

$7

$15

$25

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 transfer available funds from your Reserve or Growth account. No additional setup required.

Get Ready to Change the Way You Bank

Select the Virtual Wallet that meets your needs

Virtual Wallet

Virtual Wallet

     


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[10]
  • 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, now including Low Cash ModeSM

 

Virtual Wallet Fine Print  |  Virtual Wallet Features and Fees


Checking and Savings. Together


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[10]
  • 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, now including Low Cash ModeSM

 

Virtual Wallet Fine Print  |  Virtual Wallet Features and Fees

Checking Only

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Spend

     


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[10]
  • 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, now including Low Cash ModeSM

 

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


Checking and Savings. Together


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[10]
  • 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, now including Low Cash ModeSM

 

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

Checking Only

Virtual Wallet with Performance Select

Virtual Wallet with Performance Select

     


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[10]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, now including Low Cash ModeSM

 

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


Checking and Savings. Together


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[10]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, now including Low Cash ModeSM

 

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


Checking Only

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Important Legal Disclosures and Information

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

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  8. In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees.  See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  9. PNC Alerts are free to customers. 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.

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

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.

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

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