Your Virtual Wallet^® Guide

Get the most out of your digital banking experience.

Understand Your New Account

Spend

Your Virtual Wallet Spend account is your primary checking account for everyday spending.

Find a Branch

Enroll in Online Banking & Download the Mobile App

To access 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.

Enroll in Online Banking

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.

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.
You can request a one-time PNC ATM access code – card not needed!

Add Funds to Your Account

Next, add funds to your account to 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. You can find these numbers under Account Activity in PNC Online Banking or Account Actions in the PNC Mobile app.
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.^[4]
Deposit checks or cash at a PNC Branch or PNC DepositEasy^(SM) ATM. Find one near you.
Transfer money from another account.^[5]

Phone Screen showing Step 2 (Funding the Account) for Setting Up Virtual Wallet

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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 paydays

Set the amount and frequency of your paydays
Calculate what's left to spend after your bills

Add your bills and payments

Add your recurring bills for things like rent, internet and phones
Add pre-authorized payments for subscriptions or a mortgage
Track checks you've written until they're cashed

Plan ahead with Danger Day^TM

Alerts you when your account might be overdrawn
Helps you make a transfer, deposit, or move a bill

Meet Your Money Bar^®

Once you’ve set up your Calendar, you can get familiar with your Money Bar. Money Bar can help you monitor your balance in your Spend account. Your money is separated into two buckets:

Scheduled Out

All the bills and expenses you've entered into your Calendar. These leave your Spend account before your next payday or in the next two weeks, whichever comes first.

Free Balance

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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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

Categorize your transactions
Visualize your spending habits

Add your bills and payments

Budget by category
Track spending by month

Did You Know?

If you ever misplace your debit card, you can use PNC Easy Lock^® to stop new transactions.^[6,7]

Check out the others ways that PNC helps keep your account safe

Add a Reserve and Growth Account

You also have the option to add a Reserve and Growth account for planning, saving and protection. Watch this video or contact us to learn more.

Schedule an Appointment

Find a Branch

Video: Benefits of the Virtual Wallet Bundle

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.

Schedule an Appointment

Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
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.
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 purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. 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.
After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee. The fee for PNC Express Funds is 2% of each check amount over $100. For any check amount from $25 to $100, a $2 fee will apply to each check. If the check is returned due to insufficient funds, PNC will not debit your account. If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.

Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.
You may not make more than a total of six (6) transfers each statement cycle from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of-sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Business Money Market account being changed to a Business Checking account, which will be subject to the features and fees as described in the Business Checking Account and Related Charges in effect at that time. We reserve the right to suspend enforcement of these transaction limitations, at our discretion.
PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.
While purchases, cash advances, and withdrawals are stopped when you lock your debit or credit card, certain transactions will continue, such as transactions identified as recurring by the merchant (both new and previously scheduled), transactions made with other cards linked to a business credit card account, transactions made with other cards linked to your checking/savings account (debit card, banking card and University Affinity Card only), university/college services, including meal plan transactions and dorm access (University Affinity Card only), balance transfers, overdraft protection and payments made to your account (credit card only), reward redemptions, checks, account related fees, interest, dispute adjustments, posting of merchant refunds or other credits to your account, and other exempt transactions.

Also, transactions made and authorized (pending) prior to locking your card will not be blocked.

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google Pay, Google Play^TM and the Google Play logo are trademarks of Google LLC.

PNC Bank credit cards are subject to credit approval.

Virtual Wallet, Low Cash Mode, Danger Day, Money Bar, and PNC Easy Lock 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.

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.

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Your Virtual Wallet® Guide

Get the most out of your digital banking experience.

Understand Your New Account

Spend

Enroll in Online Banking & Download the Mobile App

For illustrative purposes only. Screens enhanced for visual purposes

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

Add Funds to Your Account

For illustrative purposes only. Screens enhanced for visual purposes

Mark Your Calendar

For illustrative purposes only. Screens enhanced for visual purposes

Add your paydays

Add your bills and payments

Plan ahead with Danger DayTM

Meet Your Money Bar®

Scheduled Out

Free Balance

For illustrative purposes only. Screens enhanced for visual purposes

Budget Your Spending

For illustrative purposes only. Screens enhanced for visual purposes

Track Your Spending

Add your bills and payments

Did You Know?

Add a Reserve and Growth Account

Need More Help?

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

Let's Meet

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Your Virtual Wallet^® Guide

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For illustrative purposes only.
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For illustrative purposes only.
Screens enhanced for visual purposes

Plan ahead with Danger Day^TM

Meet Your Money Bar^®

For illustrative purposes only.
Screens enhanced for visual purposes

For illustrative purposes only.
Screens enhanced for visual purposes