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!
- 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