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 Your Virtual Wallet® Guide

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

 

Before you get started

 Understand Your New Accounts

Watch this quick video and follow the steps on this page for an overview of your new Virtual Wallet tools.

Spend, your primary checking account for everyday spending

Reserve, for short-term planning (lets you set money aside)

Growth, your interest-bearing savings account

Step 1

Enroll in Online and 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.


Visit the Customer Service tab within Online Banking to order checks, set account preferences, and more.

Enroll in Online Banking

 

 

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 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! 

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Watch this video to learn how to use Zelle in the PNC Mobile app.

Watch these videos to learn how to use Low Cash Mode.

Low Cash Mode Dashboard

 

 

Intelligent Alerts & Extra Time

Payment Control

Step 2

Fund Your Account

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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 ATM
  • Transfer money from another account[8]

 

Learn how you can deposit a check with your tablet or smartphone.[2]

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:

 

 

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.

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See upcoming paydays, payments you've set up, transaction history and more on your Calendar.

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 and Reserve accounts until your next payday.
Your money is separated into four different buckets:

 

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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.

 

Reserve

The money you put into your Reserve account.

 

Reserve Savings List

The money you’ve set aside in your Savings Goals.

Watch this video to meet your Money Bar.

Step 5

Save and Budget

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. 

 

 

Create Savings Goals

Savings Goals help you save for the things you want and put away money for what you need. Create goals in your Reserve and Growth accounts to save for anything, from a new TV to an upcoming vacation. You can track your progress and move the money to your other accounts when you’re ready to spend.

 

Automate Your Savings

Create Savings Rules to automatically move money from your Spend to your savings on a regular basis. You can create five types of rules: Weekly, Bi-weekly, Monthly, Payday, and Bill Pay.

Once you create your new rule, it will be added to your Calendar and Scheduled Out.

Build Your Budgets

You can set budgets to track your spending by category, like groceries, restaurants and pets. You’ll see how much you’ve spent in each category during the month and how much you have left to spend.

Set up budget alerts to get an email when you’re close to reaching your max budget. 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.

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Learn how Virtual Wallet can help you budget and save.

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.

Find a time and location that is convenient for you.

Schedule an Appointment

Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. 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.  

  4. PNC Alerts are free to customers. 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.

  5. In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees.  See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  6. Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  7. 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.

  8. 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 Savings or Money Market account being changed to a Standard Checking account, which will be subject to the features and fees as described in the Consumer Schedule of Service Charges and Fees in effect at that time.  We reserve the right to suspend enforcement of these transaction limitations, at our discretion.

  9. 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.

  10. 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 debit card only), university/college services, including meal plan transactions and dorm access (University debit 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 and the Google Play logo are trademarks of Google LLC.

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

PNC Bank credit cards are subject to credit approval.

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

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

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.