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.

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.

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.
  • 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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Screens enhanced for visual purposes 

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 DayTM

  • 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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Screens enhanced for visual purposes 

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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Screens enhanced for visual purposes 

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.

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.