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

A PNC credit card can integrate seamlessly with PNC Online Banking and Virtual Wallet.  
Review Credit Card Options »

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 all your accounts 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 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 know and trust, regardless of where they bank in the U.S. by using Zelle®[3]

For illustrative purposes only.
Screens enhanced for visual purposes 

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

Step 2

Fund Your Account

For illustrative purposes only.
Screens enhanced for visual purposes 



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 mobile app[2]
  • Deposit checks or cash at a nearby branch or ATM
  • Transfer money from another account[4]


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 change the day a bill is paid.

For illustrative purposes only.
Screens enhanced for visual purposes 


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:


For illustrative purposes only.
Screens enhanced for visual purposes 



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.

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.

For illustrative purposes only.
Screens enhanced for visual purposes 


Learn how Virtual Wallet can help you budget and save.

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. 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.

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.

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.

Powered by GlobalLink OneLink SoftwarePowered By OneLink