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

Reserve, your interest-bearing checking account

Growth, your long-term savings account

A PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet. Plus, cards offer cash back, points, travel perks and more.
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Step 1

Enroll in Online 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 accounts right away.


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


Enroll in Online Banking

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Now that you have enrolled, you can download the Virtual Wallet app. Our app has all the same key features as the web 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 trust, regardless of where they bank in the U.S. by using Zelle®[3]


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
  • Transfer money from an internal PNC account or an external account[4]
  • Deposit a check in a branch, at an ATM[5], or in the mobile app[2]
  • Deposit cash in a branch or at an ATM

For direct deposit, you’ll need your account and routing numbers. To find those numbers, sign in to PNC Online Banking and go to the Account Activity for your new Spend account.


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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:


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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Next, track any pre-authorized payments automatically withdrawn from your account – like a mortgage payment or a gym membership.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 making a deposit, transferring money from another account or changing 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 and Reserve accounts until your next payday.
Your money is separated into four different 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.



How much you have left in your Spend account minus the bills and other expenses you have Scheduled Out.



The money you put into your Reserve account.


Reserve Savings List

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

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Step 5

Budget and Save

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. 


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Create Savings Goals

Saving up for something? Head over to the Savings Engine® to create a Savings Goal in Reserve or Growth. You can track your progress toward your goals 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.

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 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 offer 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.

  4. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please see our Consumer Schedule of Service Charges and Fees for additional information.

  5. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit.

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.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC