Virtual Wallet®
Checking Pro

Helping you manage your financial life

Now Including

Low Cash ModeSM[1]

An innovative game changing digital tool to help you avoid overdraft fees.


Earn $200

when you open and use a new
Virtual Wallet Checking Pro.*


Get a 0.40%

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

Tools to Help You Manage Your Money

Now including Low Cash ModeSM[1] in the PNC Mobile App,[3]
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[4] 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[5] 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),[4] when your balance is negative.
  • Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.

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

  • 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.

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 18,000 ATMs across the country, as listed on our ATM Locator[5]
  • 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[6]
  • Deposit checks via your tablet or mobile phone[3]
  • 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[3] 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[3] or at ATMs
  • Transfer money between your PNC accounts or from your external accounts[6]
  • Schedule and track bill payments with Online Bill Pay[7]
  • Access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator[5] 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®[8]

Add Accounts for Planning, Saving and 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

(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)

  • 0.40% 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

Cash offer

  • Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro*

Virtual Wallet Checking Pro
with Spend

(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]


Cash offer

  • Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro*

Is this your home zip code?


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. Low Cash Mode is available on select Virtual Wallet products at this time and is only available on the Spend account of your Virtual Wallet product.

  2. Annual Percentage Yield (APY) accurate as of . The minimum balance to earn interest on your Virtual Wallet Checking Pro 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. 

  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. Payment Control applies to check transactions or payment made using your PNC Bank routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control.

  5. 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.

  6. Visit to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  7. PNC limits the number of transfers that may be made from a savings or money market account. Please see your account agreement for more information.

  8. Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

  9. 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 your address. For online origination, visit and enter your home zip code to confirm product availability. Offer not available online in AZ, CA, CO, NM & TX. For Branch/Solution Center origination, product availability will be based on the physical PNC location. You may earn a $200 reward if you open a new Virtual Wallet Checking Pro. Changing your product type after opening an account could result in your account being reviewed and paid a different reward amount. You will only be considered for one reward amount, which is based on the product type that you have open at the time that your account is reviewed for meeting offer stipulations.

To qualify for the reward, the new Virtual Wallet Checking Pro must be opened online (offer not available online in AZ, CA, CO, NM & TX) via the application link on this page OR at a PNC Solution Center between 5/1/21 to 6/30/21, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Virtual Wallet Checking Pro 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 "CREDIT CHECK PRO 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 Checking Pro. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least $2,000 for Virtual Wallet Checking Pro. Credit card cash advance transfers, transfers from one account to another, wire transfers 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.

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

Android is a trademark of Google LLC.

Low Cash Mode is a service mark of The PNC Financial Services Group, Inc.

Virtual Wallet and PNC Pay 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

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