What's Virtual Wallet All About???

Let's break it down

UPGRADE TO GET ADDED BENEFITS

Supercharge your Spend account so you can do even more with you money.

Account Features:
Virtual Wallet & Virtual Wallet Student
Upgrade to Performance Spend
Upgrade to Performance Select

Check Writing

Unlimited

Unlimited

Unlimited

Free use of PNC ATMs

Reimbursement of PNC Fees
for non-PNC ATMs

2/month reimbursement

See how much in your area »

No fee charged

Reimbursement of Other bank fees
for non-PNC ATMs

See how much in your area »

Unlimited reimbursement

Interest on Spend Account

(on balances over $2,000)

(on balances over $2,000)

Rewards:
Virtual Wallet &
Virtual Wallet Student
Virtual Wallet
with Performance Spend
Virtual Wallet
with Performance Select

Earn cash with PNC Purchase Payback 1 

Bonus rewards on credit cards

Bonus rate on selected CDs

Competitive interest rate on growth

with 5 credit or debit card purchases per month2

with 5 credit or debit card purchases per month2

with 5 credit or debit card purchases per month2

Extras:
Virtual Wallet &
Virtual Wallet Student
Virtual Wallet
with Performance Spend
Virtual Wallet
with Performance Select

Free check orders

 

Free identity theft protection

Up to $10,0003

Safe deposit box discount

$10 annual discount

$100 annual discount

Service Charge:
Virtual Wallet &
Virtual Wallet Student
Virtual Wallet
with Performance Spend
Virtual Wallet
with Performance Select

Monthly service charge

No monthly service charge if you meet any ONE of the following:

$500 average monthly balance in Spend + Reserve
OR, $500 monthly qualifying direct deposit4 to the Spend
OR, use only ATMs, online or mobile banking to make withdrawals and deposits
OR, with Virtual Wallet Student5

Otherwise, the monthly service charge is $7

No monthly service charge if you meet any ONE of the following:

$2,000 average monthly balance in Spend + Reserve
OR, $2,000 monthly qualifying direct deposit4 to the Spend
OR, $15,000 in any linked eligible accounts6

Otherwise, the monthly service charge is $15

No monthly service charge if you meet any ONE of the following:

$5,000 average monthly balance in Spend + Reserve
OR, $5,000 monthly qualifying direct deposit4 to the Spend
OR, $25,000 in any linked eligible accounts.6

Otherwise, the monthly service charge is $25

Effective December 9, 2013
  • No monthly service charge for Virtual Wallet with Performance Spend if you meet any ONE of the following requirements:
    • $2,000 qualifying monthly direct deposit* to the Spend account during the statement period
    • $2,000 average balance in Spend and Reserve
    • $15,000 combined average monthly balance** across linked PNC consumer deposit, loan and/or investment accounts
  • Otherwise, the monthly service charge is $15

  • Reimbursement of non-PNC ATM fees and other bank's surcharge fees. See how much in your area »

* A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.

** PNC deposit accounts include consumer checking, savings, money market, certificate of deposit, and retirement certificate of deposit. PNC loan accounts include line of credit, auto or home equity installment loan, and mortgage loan. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. Customer must request account be linked to receive relationship benefits. The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance.

college-icons
VIRTUAL WALLET STUDENT — CUSTOMIZED FOR COLLEGE
You've got enough to think about while you're at school. Get Virtual Wallet Student for a simple way to keep your money organized and working for you, with added features that make it easy for parents to keep the funds fresh.
Effective December 9, 2013
  • No monthly service charge for Virtual Wallet if you meet any ONE of the following requirements:
    • $500 qualifying monthly direct deposit* to the spend account
    • $500 combined average monthly balance in the Spend and/or Reserve account
    • Use of only ATMs, online banking, mobile banking or other electronic methods to make withdrawals and deposits
    • Proof of active enrollment in an educational institution (monthly service charge waiver expires 6 years after it is assigned).
  • Otherwise, the monthly service charge is $7.

  • You may write unlimited checks at no charge.
  • $15 incoming wire fee will apply to all incoming wires. If you are in the Student Banking program enrolled in a school where PNC Bank has a relationship you will continue to receive 1 free domestic or international incoming wire per statement period. If you don't see your school at pnc.com/studentbanking, please call or stop by any PNC branch.

* A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.