Virtual Wallet®
Checking Pro

Helping you manage your financial life

Earn $200

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

Get a .65%

Annual Percentage Yield (APY) on your
Virtual Wallet Checking Pro Growth account.[1]

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  
  • Free transactions at approximately 18,000 ATMs across the country as listed on our ATM Locator[2]
  • 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
  • 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 or online banking[3] 
  • 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 or at ATMs[3]
  • Transfer money between your PNC accounts or from your external accounts[4]
  • Schedule and track bill payments with Online Bill Pay[5]
  • Make free transactions at approximately 18,000 ATMs across the country as listed on our ATM locator[2] 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®[6]

Add Accounts for Planning, Saving 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. 

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 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

+ Planning, Savings and Protection
(Add Reserve & Growth at no additional cost)

  • .65% Annual Percentage Yield (APY)[1] interest rate on your Growth savings account
  • Growth account balances earn interest starting at $1[1]
  • 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 Spend account*

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


Cash offer

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

Is this your 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. Annual Percentage Yield (APY) accurate as of 10/1/2020. 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. 

  2. 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 without a fee.

    Total ATM count includes PNC Partner ATMs.

  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. 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.

  5. 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.

  6. 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 ZelleTerms 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. 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. Your reward amount is based on the product type you open. 

To qualify for the reward, the new Spend account must be opened online via the application link on this page OR at a PNC Solution Center between 10/1/20 to 10/29/20, and a qualifying Direct Deposit(s) must be received within the first 60 days. Your Spend 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 "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 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.

Android is a trademark of Google LLC.

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

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