Your Virtual Wallet® Guide

5 steps to help you get the most out of your digital banking experience.

Get Started

 Understand Your New Account

Follow the steps on this page for an overview of your new Virtual Wallet tools.

Spend, your primary checking account for everyday spending

Step 1

Enroll in Online & Mobile Banking 

First things first. For you to have access to everything Virtual Wallet has to offer, you can enroll in Online Banking[1]. It’s quick and easy, and you’ll be able to view your account details.

Phone Screen showing Step 1 (Identity Verification) for Setting Up Virtual Wallet

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Download the PNC Mobile app and verify your credentials to get started

For banking on the go, download and use the PNC Mobile app.

 Download on the App Store  Get it on Google Play


Our app has many of the same key features as the online experience, plus: 

  • You can deposit checks from your phone.[2]
  • With just an email address or mobile phone number, you can quickly send money to people you know and trust, regardless of where they bank in the U.S. by using Zelle®[3].
  • Low Cash Mode® can help you avoid overdrafts on your Spend account by giving you Intelligent Alerts[4], Extra Time[5] to bring your balance positive when it is negative, and more options and control with certain payment decisions.[6]
  • You can request a one-time PNC ATM access code – card not needed!

Step 2

Fund Your Account

Next, fund your account so you can make the most of Virtual Wallet’s budgeting and bill pay features. You have a few funding options. You can:

  • Set up direct deposit
    • For direct deposit, you’ll need your account and routing numbers. To find those numbers, sign on to PNC Online Banking and go to the Account Activity for your new Spend account.
  • Deposit a check from your phone using the PNC Mobile App[2]PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.[7] 
  • Deposit checks or cash at a nearby branch or PNC ATM.
  • Transfer money from another account.[8]
Phone Screen showing Step 2 (Funding the Account) for Setting Up Virtual Wallet

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Step 3

Mark Your Calendar

This is the bill payment and cash flow hub for your Virtual Wallet. Here’s how to set it up:

Phone Screen showing Step 3 (Calendar & Payment Schedule) for Setting Up Virtual Wallet

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  • Add your bills
    Start by adding your payees, such as your phone company, landlord, or even a friend. Then, schedule payments on a one-time or recurring basis.
  • Track other payments
    Next, track any pre-authorized payments automatically withdrawn from your account – like a mortgage payment or a gym membership. If you write checks, you can also input and keep track of those until they’re cashed.
  • Plan your paydays
    Add your payday to your calendar and see how much you have left to spend. It also helps to calculate possible Danger DaysSM.
  • Know about Danger Days
    Danger Days show up on your Calendar when your Spend account is at risk of being overdrawn. To reduce your risk of overdrawing, you can make a deposit, transfer available money from another account or, if you can, change the day a bill is paid.

Step 4

Meet Your Money Bar®

Once you’ve set up your Calendar, you can get familiar with your Money Bar. Money Bar can help you see the money you have in your Spend account until your next payday, or every two weeks. Your money is separated into two buckets:

  • Scheduled Out
    The part of your Spend account that adds up all the bills and other expenses you’ve input and tracked on your Calendar.
  • Free
    How much you have left in your Spend account minus the bills and other expenses you have Scheduled Out.
Phone Screen showing Step 4 (The Money Bar) for Setting Up Virtual Wallet

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Step 5

Budget Your Spending

Once your Calendar is ready and you know more about the Money Bar, there are a few other features you can set up to make the most of your new Virtual Wallet.

Phone Screen showing Step 5 (Budgeting) for Setting Up Virtual Wallet

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  • Track Your Spending
    All of your transactions are automatically sorted into categories like groceries, restaurants and gas. You’ll see your spending broken down by category to keep track of where your money is going each month. You can also easily change the category of any transaction.

    We’ll also categorize transactions from a PNC consumer credit card that you include in your Virtual Wallet. 
  • Build Your Budgets
    Take more control of your spending by creating budgets. You can create a budget for a category to see how much you’ve spent each month, and how much you have left. Plus, a PNC credit card can be linked to your Virtual Wallet within PNC Online Banking, so you can see your spending all in one place.

    Set up budget alerts to get an email when you reach your customizable alert threshold.

Did You Know?

If you ever misplace your debit card, you can use PNC Easy Lock® to stop new transactions.[9,10]

Find out other ways PNC is helping to keep your account safe

Need More Help?

We can help you set up your new Virtual Wallet and answer any questions you have.

Let’s Meet

Review your calendar and find a
convenient time to meet with us.