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Virtual Wallet®

PNC's Virtual Wallet is checking and savings together to help you manage your financial life.

Compare and Choose Your Virtual Wallet

Earn up to $400

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

Earn up to $400

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

Earn up to 4.00%

Annual Percentage Yield (APY) on select Virtual Wallet Growth accounts with relationship rates. The APY shown is the highest balance tier relationship rate for Virtual Wallet with Performance Select Growth Account.**

Checking at PNC Bank is Virtual Wallet

You'll get all the great benefits of banking with PNC, plus some additional tools unique to Virtual Wallet.
Virtual Wallet combines checking and savings accounts and includes:

Digital money management
tools all in one place

Low Cash Mode® gives you more
control when your balance is low[1]

2,600+ locations and approximately 60,000 PNC and Partner ATMs[2]

Choose Your Virtual Wallet

Virtual Wallet includes a Spend checking account, Reserve checking and Growth savings account at no charge to help manage your money. Choose the one that’s best for you:

Virtual
Wallet

Earn $50

When you establish total qualifying direct deposits of $500 or
more to the new
Virtual Wallet†

Includes:

  • Spend - primary checking account
  • Reserve - secondary checking account for short-term planning
  • Growth - long-term savings account
  • $7 monthly service charge, or $0 with $500 in direct deposits to your Spend or a combined balance between checking accounts[3]
  • Relationship interest rates on your Growth account[4]
    Check Rates »

Apply for Checking & Savings

Apply for Checking Only

Account Agreement
Features and Fees

Virtual Wallet with
Performance Spend

Earn $200

When you establish total qualifying direct deposits of $2,000 or more to the new Virtual Wallet with Performance Select†

Includes:

  • Spend - primary checking account
  • Reserve - secondary checking account for short-term planning
  • Growth - long-term savings account
  • $15 monthly service charge, or $0 with $2,000+ in direct deposits to your Spend or a combined balance between checking accounts[3],[5]
  • Reimbursements available for some non-PNC ATM fees[2]
  • Higher relationship interest rates on your Growth account[4]
    Check Rates »

 

Apply for Checking & Savings

Apply for Checking Only

Account Agreement
Features and Fees

Virtual Wallet
with Performance Select

Earn $400

When you establish total qualifying direct deposits of $5,000 or more to the new Virtual Wallet with Performance Select†

Includes:

  • Spend - primary checking account
  • Reserve - secondary checking account for short-term planning
  • Growth - long-term savings account
  • $25 monthly service charge, or $0 with $5,000+ in direct deposits to your Spend or a combined balance between checking accounts[3],[6]
  • No PNC charges for using other banks' ATMs and increased reimbursements available on other bank's fees[2]
  • Highest relationship interest rates on your Growth account[4]
    Check Rates »
  • No charge for domestic wires

Apply for Checking & Savings

Apply for Checking Only

Account Agreement
Features and Fees

With Virtual Wallet You Get

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

Three accounts help you spend, plan and save.

It's easy to move money between accounts so you can stay organized and on track to achieve your goals.

  • Spend is your primary checking account – you’ll also get a debit card with contactless technology, to pay with just a tap.
  • Reserve is your secondary checking account – for any of your short-term budget planning needs.
  • Growth is your long-term savings account to help meet your goals.

Virtual Wallet’s digital tools bring it all together.

  • Zelle® helps you easily send and receive money with people you know and trust.[7]
    Explore Zelle® »
  • Low Cash Mode® gives you more control when your balance is low and extra time to get your balance out of the negative.[1]
    Explore Low Cash Mode »
  • Spending categories mean you can review and stay on top of how you are spending and budget better for the future.
  • Calendar allows you to schedule and track upcoming bills and paydays, so you can plan ahead.
  • Savings goals and rules allow you to track and make progress for longer term planning.

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

    Virtual Wallet with Performance Spend includes a reimbursements of the first 2 PNC fees at domestic or international non-PNC ATMs and, up to $5 for other bank's ATM surcharge fees each statement cycle. Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.

  3. 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. Exclusions apply. See product Features and Fees for more details.

  4. In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:

    • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
    • Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
    • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
    • Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
      (A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

    Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

    If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

  5. For Virtual Wallet with Performance Spend, the $10,000 combined average monthly balance includes all linked PNC consumer accounts. For Virtual Wallet with Performance Select, the $25,000 combined average monthly balance includes all linked PNC consumer and investment accounts. See product Features and Fees for more details.

    A maximum of eight (8) linked PNC accounts, inclusive of the Spend and Reserve, 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. For Virtual Wallet with Performance Select, 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. 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 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. You may earn a $400 reward if you open and use a new Virtual Wallet with Performance Select, a $200 reward if you open and use a new Virtual Wallet with Performance Spend, or a $50 reward if you open and use a new Virtual Wallet. If you change your Virtual Wallet product type after account opening, the product type that you are in at the end of the month in which you opened your account will determine your offer eligibility, terms and corresponding reward amount, if applicable.

To qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page from 04/01/2023 through 06/30/2023, 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 Credits Check 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 with Performance Select, $2,000 for Virtual Wallet with 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 you or any signer on the new account has an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a PNC 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. Offer may be extended, modified or discontinued at any time and may vary by market. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, 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 registered 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.

**Important Information About Virtual Wallet Growth Account Relationship Rates

Check Rates

All rates and Annual Percentage Yields (APYs) are accurate as of 4/4/23. The minimum amount to earn interest is $1.00. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changed, call 1-888-PNC-BANK.

The Relationship Rate APY balance tiers for Virtual Wallet Growth account are as follows: 2.30% for balances $1 - $2,499.99; 2.55% for balances $2,500 and above.

The Relationship Rate APY balance tiers for Virtual Wallet with Performance Spend Growth account are as follows: 2.55% for balances $1 - $9,999.99; 3.30% for balances $10,000 - $24,999.99; 3.30% for balances $25,000 - $49,999.99; 3.30% for balances $50,000 - $99,999.99; 3.30% for balances $100,000 - $249,999.99; 3.30% for balances $250,000 - $499,999.99; 3.30% for balances $500,000 - $999,999.99; and 3.30% for balances $1,000,000+.

The Relationship Rate APY balance tiers for Virtual Wallet with Performance Select Growth account are as follows: 4.00% for balances $1 - $9,999.99; 4.00% for balances $10,000 - $24,999.99; 4.00% for balances $25,000 - $49,999.99; 4.00% for balances $50,000 - $99,999.99; 4.00% for balances $100,000 - $249,999.99; 4.00% for balances $250,000 - $499,999.99; 4.00% for balances $500,000 - $999,999.99; and 4.00% for balances $1,000,000+.

In order to qualify for a Relationship Rate, you must have a linked Spend account of a Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend or Virtual Wallet and meet one of the following requirements:

  • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa® Credit Card.
  • Have $500 in qualifying direct deposits in a linked Spend account of a Virtual Wallet during the previous calendar month.
  • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Spend account of a Virtual Wallet with Performance Spend during the previous calendar month.
  • Have $5,000 in qualifying direct deposits in a linked Spend account of a Virtual Wallet with Performance Select during the previous calendar month.
    (A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

Starting with the calendar month following when you open your Virtual Wallet Growth Account and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Virtual Wallet Growth account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.