Your Virtual Wallet^®Guide

Get the most out of your banking experience.

Understand Your Virtual Wallet Account

Spend

Your primary checking account for everyday spending.

~~You may have only opened this account.. Virtual Wallet comes with a suite of accounts including Reserve and Growth. Speak to your local banker about adding Reserve and Growth to you Spend.....~~

Reserve

For short-term planning (lets you set money aside).

Growth

Your interest-bearing savings account.

Explore your new account, get set up, and access the tools that await you.

Start with PNC Digital Banking

Start Using Your Visa^® Debit Card Today

By adding your card to digital wallets with the PNC Mobile app you can start using your Visa Debit Card, even while you wait for it to arrive.

Your physical card will arrive soon via U.S. mail in a plain white envelope.

Learn how to add your card to your digital wallet

Start by enrolling in Online Banking. Once you're enrolled, you can also download the PNC Mobile app.

Online Banking

To access everything Virtual Wallet has to offer, sign on or enroll in Online Banking.^[1]

Enroll in Online Banking

Activate Paperless Statements to avoid fees

PNC Mobile app

For banking on the go, download the PNC Mobile app.^[2]

Get to know your new account features

Deposit checks from your phone.^[2]

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.

Request a one-time PNC ATM access code from your phone- debit card not needed!^[4]

Learn more about Paze. A fast and easy way to check out online with your PNC debit or credit cards.

If you ever misplace your debit card, you can use PNC Easy Lock^® to stop new transactions.^[5,6]

Start Using Your Visa^® Debit Card Instantly

Add your card to your digital wallet with the PNC Mobile app to shop in-store, in-app or online while you wait for your physical card to arrive.

Your physical card will arrive in about 5-7 business days via U.S. mail in a plain white envelope. You will need to activate your physical card when it arrives in the mail.

Add Funds to Your Account

PNC offers multiple ways to add money to your account.

Direct deposit allows you to electronically deposit your paycheck, pension, Social Security or other regular income from your employer or an outside agency. Learn more about how to set up Direct Deposit.
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 PNC ATM. Find an ATM near you.
Transfer money from another PNC account or a non-PNC account. Learn more about transferring funds.^[8,9]
Receive domestic incoming wires at no charge if you're a Virtual Wallet Performance Select account holder.

Get to Know Virtual Wallet Tools

Calendar

The calendar will be your cash flow and bill payments hub. Plan ahead for upcoming paydays and expenses, always be aware of what's coming in and going out of your account. Here's how to set it up:

Add your paydays. Set the amount and frequency of your paydays, and calculate what you have left to spend after your bills.
Add your bills and payments. Add your recurring bills and add pre-authorized payments for subscriptions or a mortgage.
Plan ahead with Danger Days. Alerts you when your account might be overdrawn, giving you time to make a transfer, deposit, or move a bill.

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 account. Your money is separated into four different buckets:

Scheduled out. All the bills and expenses you've entered into your Calendar.
Free balance. How much you have left in your Spend account minus the bills and other expenses you have scheduled out.
Reserve goals. The money you have set aside for the short term. You can keep this money in your Reserve or add it to a new Reserve Goal.
Savings goals. Goals you've set for yourself to save money from your Reserve over time.

Budget & Save

Now that 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.

Build budgets. Track spending and create informed budgets.
Set savings goals. Create goals for your purchases and expenses. Set deadlines or add money at your own pace. Track your progress towards your goals.
Add savings rules. Automatically transfer money to your Reserve or Growth account. Set the frequency, so transfers happen when you’re ready.

Virtual Wallet with Spend, Reserve, and Growth have access to Virtual Wallet savings tools. If you would like to open a Reserve and Growth, visit your local branch to speak to a banker.

Learn More About These Specialty Programs

Military Banking

We're here to support all those who serve and their families with community programs, products and financial insights.

Learn more about Military Banking

Student Banking

Checking and savings combined with digital tools and educational resources designed uniquely for students.

Learn more about Student Banking

WorkPlace Banking®

Available at participating companies. Includes personalized guidance, free financial education and more.

Learn more about WorkPlace Banking

Need More Help?

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

Sign on or Enroll in Online Banking

Visit a PNC Branch

Make an Appointment to Learn About Your Virtual Wallet

Online and Mobile Banking Customer Service

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. To send or receive money with Zelle®, both parties must have an eligible checking or savings account at a participating financial institution 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
This feature is available at all PNC ATMs. It is not available at Partner ATMs.
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 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.
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.

Please note that Funds you deposit by check may be available after the Standard Funds Availability date in certain circumstances. For example, availability may be delayed if PNC has reason to believe a check you have deposited will not be paid or if your checks deposited on any one business day total $50,000 or more. For more examples, you may refer to your PNC Funds Availability Policy and other notifications for additional information regarding delays to the availability of deposits.

With Standard Funds Availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items processed that evening for posting if your deposit is completed by 10 p.m. ET. Deposits completed after 10 p.m. on a business day and deposits completed on non-business days will be considered to be made on the next business day. See the PNC Funds Availability Policy for exceptions and details. All deposits are subject to verification and may be adjusted upon review.
PNC limits the number of transfers that may be made from a savings or money market account without incurring a fee. Please see your account agreement and fee schedule for more information.
Transaction fees will apply to your account if you exceed six (6) Restricted Transfers in a monthly service charge period. Restricted Transfers are transfers 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. If you make more than a total of six (6) Restricted Transfers in a monthly service charge period, you will be charged a fee for each Restricted Transfer. See your account agreement and fee schedule for more information. Other limits may apply to your account. We reserve the right to suspend enforcement of these transaction limitations, or to modify them, at our discretion.

PNC WorkPlace Banking is a registered service mark of The PNC Financial Services Group, Inc.

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

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

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

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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