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Virtual Wallet

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Account Summary
Features and Fees

Virtual Wallet with
Performance Spend

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Account Summary
Features and Fees

Virtual Wallet with
Performance Select

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Account Summary
Features and Fees

Service Charge      
Monthly service charge

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

$500 or more average monthly balance in Spend + Reserve

OR, $500 or more qualifying monthly direct deposits* to the Spend

OR, only use ATMs, online or mobile banking to make withdrawals and deposits**

OR, with Virtual Wallet Student***

Otherwise, $7

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

$2,000 or more average monthly balance in Spend + Reserve

OR, $2,000 or more qualifying monthly direct deposits* to the Spend

OR, $15,000 combined average monthly balance****

Otherwise, $15

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

$5,000 or more average monthly balance in Spend + Reserve

OR, $5,000 or more qualifying monthly direct deposits* to the Spend

OR, $25,000 combined average monthly balance****

Otherwise, $25

Account Features and Fees      
Free check writing Unlimited Unlimited Unlimited
Free use of PNC ATMs Yes Yes Yes
Reimbursement of PNC fees for use of non-PNC ATMs

2 per month will be reimbursed

See how much in your area»

No fee charged
Reimbursement of ATM surcharge fees charged by other banks

No reimbursement

See how much in your area»

Unlimited reimbursment

Interest on Spend account   Yes Yes
Eligible for Student edition Yes    
Rewards      
Earn cash with PNC Purchase Payback® 1 Yes Yes Yes
Bonus rewards on credit cards Yes On points Visa and Flex Visa Yes Higher rewards on points Visa, Flex Visa and CashBuilder Visa Yes Higher rewards on points Visa, Flex Visa and CashBuilder Visa
Bonus rates on select CDs   Yes Yes
Interest rate on Growth2 Yes With 5 credit or debit card transactions per month Yes With 5 credit or debit card transactions per month Yes With 5 credit or debit card transactions per month
Extras      
Free check orders   Yes Yes
Free identity theft protection3     Yes Up to $10,000
Safe deposit box discount   $10 annually $100 annually

*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.

**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 is required to receive a monthly service charge waiver. This waiver will expire 6 years after it is assigned to your account.

****PNC deposit accounts include consumer checking, savings, money market, certificate of deposit and retirement certificate of deposit. 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.

  1. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you received offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.
  2. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Check Card or a PNC credit card included in your Virtual Wallet, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.
  3. Covers up to $10,000 out of pocket expenses incurred to regain your identity and to repair your credit. Certain restrictions and deductibles apply. See the Summary Description of Benefits for the Personal, Internet and Identity Coverage Master Policy for details. Coverage applies to Primary Checking account only, not to additional checking, savings or money market accounts.
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Virtual Wallet®



Take money management to a whole new level.

With Virtual Wallet's Calendar you get an overview of all your finances in one place. You get a daily, weekly and monthly view of the money you need to pay and the money you'll be getting. The Money Bar® lets you see how much money you really have "free". See where you're spending your money each month on your PNC debit and credit cards with the Spending Zone. Learn more about all the features that Virtual Wallet offers»

Virtual Wallet helps you spend, save and grow your finances. It is made up of:

This is your primary checking account. It's designed mainly for your everyday living and spending. With it you are required to receive a brand new Virtual Wallet Visa® Debit Card that you can use to make purchases (these purchases are deducted from your Spend account) or withdraw money at ATMs from any of your accounts. Your Spend account is what you'll use to pay bills by check or through Online Bill Pay, as well as to make your daily, weekly (and weekend) purchases. Best of all, it works in harmony with your Reserve account.

This is for your short-term savings. And it also functions as your primary Overdraft Protection account - so if you're at risk of overdrawing your Spend account (a Danger DaySM), money can be automatically transferred from your Reserve to your Spend, free of charge. Utilizing your reserve account is a great way to save up for things like a laptop, a sofa, a new mattress, a digital camera, etc. Bigger purchases, such as a house or even a honeymoon, can be saved up for in your Growth account.

This is your long-term savings account. It also acts as your secondary Overdraft Protection. The competitive interest rate1 makes it perfect for you to build your nest egg and grow financially. Put money into your Growth account to save up for bigger, life-changing purchases down the road - a car, a down payment on a house, or to help pay off college loans. Best of all, you won't need to use another bank for a high-interest savings account - with Virtual Wallet, you have it all in one place.

Virtual Wallet Gets Supercharged

Get more from your money with Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select!

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Learn More

Visit the Virtual Wallet website to see all the benefits and features.

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What you need to apply

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Need Help?

Call 1-800-762-5684

  • Mon - Fri: 7am - 10pm ET
  • Sat - Sun: 8am - 5pm ET


  1. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card or a PNC credit card included in your Virtual Wallet, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.

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