Virtual Wallet®

Checking & Savings. Together.
Helping you manage your financial life.

Apply Now

Now Including

Low Cash ModeSM[1]

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

Earn up to $300

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

Checking & Savings Together
Create One Powerful Solution

Three accounts paired with digital tools to help you manage your money.

 

 

Virtual Wallet by PNC Bank

Everything you need in one place to manage your money online and on your mobile device.

Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.  

 

Spend All the Ways You Want

Spend is your primary checking account. With the Spend account in Virtual Wallet, you have:

  • Zelle®[2] to quickly send and receive money with people you know and trust
  • Contactless Debit Card technology, pay with just a tap
  • Access your money fee-free at nearly 19,000 ATMs across the country as listed on our PNC Locator[3]
  • And much more!

 

Set Aside Money and Save

At no extra cost, you get two additional accounts.  

  • Reserve, an additional checking account to set money aside for short-term planning.

  • Growth a savings account with competitive rates.

These two accounts provide you with extra layers for overdraft protection and savings.

 

Digital Tools to Help Manage Your Money

Digital tools that help you see what's free to spend, help you budget and reach your financial goals.

  • Low Cash ModeSM gives you more choice and control when your balance is low or negative
  • Schedule upcoming paydays and payments to budget spending
  • Create goals and save
  • Move money easily between accounts

Get Ready to Change the Way You Bank

1

First, select your checking account.

To best meet your needs, we have three levels of Spend to choose from.

  • Virtual Wallet
  • Virtual Wallet with Performance Spend
  • Virtual Wallet with Performance Select

2

Add additional checking & savings.

Get the most of your Virtual Wallet. A bundle comes with Reserve and Growth for short-term planning and savings. Or, you can just opt for a Spend account.

3

Apply.

Apply for the Virtual Wallet product that is right for you. Explore the options below to compare account benefits further.

Virtual Wallet

Virtual Wallet

 Earn $50 when you open and use a new Virtual Wallet product

What You Get

Spend — primary checking account

  • Each statement cycle, reimbursement of:
    • the first 2 PNC fees at domestic or international non-PNC ATMs
              
    • AND, up to $5 for other bank's ATM surcharge fees

Reserve — secondary checking account for short-term planning

Growth  long-term savings account

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $500+ monthly direct deposit[4] to the Spend account
    • OR, $500+ monthly balance in Spend + Reserve[5]
    • OR, account holder is age 62+
    • Otherwise, $7  

Virtual Wallet Fine Print

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Spend

 Earn $200 when you open and use a new Virtual Wallet with Performance Spend product

What You Get

Spend — primary checking account

  • Each statement cycle, reimbursement of:
    • the first 4 PNC fees at domestic or international non-PNC ATMs
              
    • AND, up to $10 for other bank's ATM surcharge fees

Reserve — secondary checking account for short-term planning

Growth  long-term savings account

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $2,000+ monthly direct deposit[4] to the Spend account ($1,000+ total qualifying monthly direct deposit for WorkPlace Banking or Military Banking customers)
    • OR, $2,000+ monthly balance in Spend + Reserve[5]
    • OR, $10,000 in all PNC consumer deposit accounts
    • Otherwise, $15

Virtual Wallet Fine Print

Virtual Wallet with Performance Select

Virtual Wallet with Performance Select

 Earn $300 when you open and use a new Virtual Wallet with Performance Select product

What You Get

Spend — primary checking account

  • No charge for using other banks' domestic or international ATMs
  • Up to $20 fee reimbursement per statement period for other financial institution's ATM surcharge fees

Reserve — secondary checking account for short-term planning

Growth  long-term savings account 

What You Need to Know

  • $0 monthly service charge when you meet any ONE of the following requirements:
    • $5,000+ monthly direct deposit[4] to the Spend account 
    • OR, $5,000+ monthly balance in Spend + Reserve[6]
    • OR, $25,000 in all PNC consumer and/or investments accounts[7]
    • Otherwise, $25 

Virtual Wallet Fine Print

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

  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. 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. 

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

  4. 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.
  5. 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.

  6. 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.

  7. 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.

Offer is contingent on product availability and may vary based on where you open your account and the Zip code of your primary address. For online or phone origination, the Zip code of your primary address will be used to determine product availability. For origination through a PNC location, product availability will be based on the physical PNC location. 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. Changing your product type any time after account opening and prior to the payout of your earned reward, could result in different offer requirements and reward amount.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between 11/1/2021 to 12/31/2021, 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 for this offer, 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 Performance Select, $2,000 for Virtual Wallet Performance Spend or $500 for Virtual Wallet. Credit card cash advance transfers, wire transfers, person to person transfers, transfers from one account to another or deposits made at a physical PNC location 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. Trust, Estate and other specialty titled accounts are excluded from this offer. 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 adviser regarding your specific situation. 

Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks of The PNC FInancial Services Group, Inc.

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

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

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.