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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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Answer 3 easy questions to find which PNC Checking Account is right for you.

1. Do you write more than 3 paper checks per month?
Yes
No
2. Do you frequently use online and mobile tools to manage your money?
Yes
No
3. Do you have direct deposits of $2,000 OR maintain an average monthly balance of $1,500 OR a combined* average balance of $10,000 each month?
Yes
No

* Combined average monthly balance in checking, savings, money market, investments, installment loans, lines of credit and mortgage applies.

Virtual Wallet

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Features

  • Calendar, Money Bar®, Spending Zone and other online tools that help you manage your money, organize and pay bills, spend and save money and more
  • No minimum balance requirements
  • No monthly service charge*
  • Free transactions at over 6,400 PNC ATMs

* If you exceed the 3 check per monthly statement cycle limit, you will be charged a fee of $.50 per check.

Virtual Wallet with Performance Spend

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Features

  • Calendar, Money Bar®, Spending Zone and other online tools that help you manage your money, organize and pay bills, spend and save money and more
  • Free Banking Rewards Program - PNC points®1
  • Enhanced Rewards with your PNC Visa Credit Card
  • Free PNC and non-PNC ATM transactions2
  • Interest paid on balances
  • Multiple ways to avoid monthly service charge

1. To enroll in the PNC points program visit pnc.com/points or call 1-888-PNC-points (1-888-762-7646).

2. Virtual Wallet with Performance Spend provides automatic reimbursement of non-PNC Bank ATM fees. Other financial institutions' surcharge fees will be reimbursed up to $8 maximum per statement period.

Free Checking

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Features

  • No minimum balance requirements
  • No monthly service charges
  • Free transactions at over 6,400 PNC ATMs
  • Standard Online Banking & Bill Pay

Performance Checking

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Features

  • Free Banking Rewards Program - PNC points®1
  • Enhanced Rewards with your PNC Visa Credit Card
  • Free PNC and non-PNC ATM transactions2
  • Interest paid on balances
  • Multiple ways to avoid monthly service charge

1. To enroll in the PNC points program visit pnc.com/points or call 1-888-PNC-points (1-888-762-7646).

2. Performance Checking provides automatic reimbursement of non-PNC Bank ATM fees. Other financial institutions' surcharge fees will be reimbursed up to $8 maximum per statement period.

Checking

 

Virtual Wallet

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Account Summary

Features & Fees

Performance

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Account Summary

Service Charges & Fees

Standard

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Account Summary

Service Charges & Fees

Best For Those who want innovative online tools that give you a comprehensive view of your finances all in one place. Those who want rewards for their broader banking relationship Those who want just the basics
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 checking
  • OR, $2,000 or more qualifying monthly direct deposits*
  • OR, $15,000 combined average monthly balance****
Otherwise, $15
No monthly service charge if you meet any ONE of the following:
  • $500 or more average monthly balance in checking
  • OR, $500 or more qualifying monthly direct deposits*
  • OR, if you are 62+ years old
Otherwise, $7
Free use of PNC ATMS Yes Yes Yes
Reimbursement of PNC fees for use of Non-PNC ATMs

2 per month will be reimbursed

Want more fees reimbursed? Upgrade your Virtual Wallet

Find Out More
See how much in your area»

See if it applies in your area»

Reimbursement of ATM surcharge fees charged by other banks

No reimbursement

Want fees reimbursed? Upgrade your Virtual Wallet

Find Out More

See how much in your area»

No reimbursement

Online Money Management Cutting-edge online tools with a Calendar-based view of your money.

Traditional online banking tools

Want the same cutting-edge banking tools as Virtual Wallet?

Find Out More
Traditional online banking tools
Earn cash with PNC Purchase Payback® 1 Yes Yes Yes
Earns Interest on Balances

Yes, On Reserve and Growth Accounts

Want to earn interest on the Spend Account? Upgrade your Virtual Wallet

Find Out More
Yes No
 

Virtual Wallet

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Account Summary

Features & Fees

Performance

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Account Summary

Service Charges & Fees

Standard

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Account Summary

Service Charges & Fees

  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.

*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.

Monthly Service Charge

Virtual Wallet

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Account Summary

Features & Fees

Performance

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Account Summary

Service Charges & Fees

Performance Select

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Account Summary

Service Charges & Fees

Standard

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Account Summary

Service Charges & Fees

No monthly service charge if you meet any ONE of the following requirements:
- Average Monthly Balance $500 in Spend + Reserve $2,000 $5,000 (includes all linked checking)1 $500
- Total qualifying direct deposits per statement period $500 to the Spend $2,000 $5,000 $500
- Average Combined Monthly Balance1 NA $15K (in PNC consumer deposits, loans and/or investments) $25K (in PNC consumer deposit and/or investment accounts) NA
- Other options Make withdrawals and deposits using only ATMs, online banking, mobile banking or other electronic methods
NA NA If you are 62+ years old
Monthly Service Charge, if none of the requirements above are met:
$7 $15 $25 $7
Other Account Features and Fees

Virtual Wallet

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Features & Fees

Performance

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Service Charges & Fees

Performance Select

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Service Charges & Fees

Standard

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Service Charges & Fees

Free use of PNC Bank ATMs Yes Yes Yes Yes
Reimbursement of PNC fees for use of Non-PNC ATMs

2 per month will be reimbursed

Want more fees reimbursed? Upgrade your Virtual Wallet

See how much in your area» No fees charged See if it applies in your area»
Reimbursement of ATM surcharge fees charged by other banks

No reimbursement

Want fees reimbursed? Upgrade your Virtual Wallet

See how much in your area»

Unlimited reimbursment

No reimbursement

Check-writing Unlimited Unlimited Unlimited Unlimited
Overdraft Protection Built-in with no set up or transfer fees No set up or transfer fees No set up or transfer fees No set up fee but $10 per transfer
Online Money Management Tools

Virtual Wallet

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Features & Fees

Performance

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Service Charges & Fees

Performance Select

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Service Charges & Fees

Standard

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Service Charges & Fees

Free Online Banking and Bill Pay2 Yes Yes Yes Yes
Free Online Statements3 Required Yes Yes Yes
Free Mobile Banking4 Yes Yes Yes Yes
Innovative Online Money Management Tools

Virtual Wallet

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Features & Fees

Performance

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Service Charges & Fees

Performance Select

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Service Charges & Fees

Standard

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Service Charges & Fees

Calendar, Danger DaysSM, Money Bar®, Savings Engine®, Wish List, Spending Zone, Integrated view of PNC Credit Card and more Yes

No

Want innovative tools? Get Virtual Wallet with Performance Spend

No

Want innovative tools? Get Virtual Wallet with Performance Select

No

Rewards and Relationship Benefits

Virtual Wallet

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Features & Fees

Performance

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Service Charges & Fees

Performance Select

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Service Charges & Fees

Standard

Apply Now

Service Charges & Fees

Earn cash with PNC Purchase Payback® 5 Yes Yes Yes Yes
Enhanced Relationship rewards on PNC Credit Cards Yes, with PNC Flex® Visa®, PNC points® Visa

Want more bonus rewards? Upgrade your Virtual Wallet

Yes, with PNC Flex Visa, PNC points Visa, PNC CashBuilder® Visa Yes, with PNC Flex Visa, PNC points Visa, PNC CashBuilder Visa Yes, with PNC Flex Visa
Discounts on loans with direct debit of payment from any PNC Checking Account6 Yes Yes Yes Yes
Bonus rates on select CDs and IRA CDs

No

Want bonus rates? Upgrade your Virtual Wallet

Yes Yes No
Additional Features

Virtual Wallet

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Features & Fees

Performance

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Service Charges & Fees

Performance Select

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Service Charges & Fees

Standard

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Service Charges & Fees

Free select design checks No Yes, PNC Exclusive or $8 discount Yes, PNC Exclusive or $12 discount No
Free standard American Express Traveler's Cheques No Yes Yes No
Free Cashier's Checks No Yes Yes No
Free Stop Payment Orders No Yes Yes No
Free Identity Theft Reimbursement Insurance7 No No up to $10,000 No
Discount on Safe Deposit Box No $10 annual $100 annual No
Free Additional Checking Accounts Integrated RESERVE account No Up to 8 checking, savings or money market accounts No
Free Money Market or Savings Accounts Integrated GROWTH account 1 Up to 8 checking, savings or money market accounts No
Free domestic wire transfers 1 incoming per month for Virtual Wallet Student only8 No Yes No
 

Virtual Wallet

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Account Summary

Features & Fees

Performance

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Account Summary

Service Charges & Fees

Performance Select

Learn More Apply Now

Account Summary

Service Charges & Fees

Standard

Learn More Apply Now

Account Summary

Service Charges & Fees

  1. For Performance Select Checking, accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, and/or investment accounts. For Performance Checking, accounts eligible for inclusion in the combined average monthly balance requirement calculation include PNC consumer checking, savings, money market, certificate of deposit, retirement certificate of deposit, line of credit, auto or home equity installment loan, mortgage loan and/or investment accounts. 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.
  2. There may be fees for certain optional services available through PNC Online Banking and Bill Pay.
  3. A fee may be charged if a paper statement is requested in addition to the online statement for an account.
  4. PNC does not charge a fee for the Mobile Banking service. However, a supported mobile device is needed to use Mobile Banking. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage charges that may apply. PNC products, services and prices are subject to change.
  5. 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.
  6. Interest rate discounts do not apply to PNC Mortgage loans.
  7. Covers 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.
  8. 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 with Virtual W. Otherwise, a $15 incoming wire fee will apply to all incoming wires. If you don't see your school at pnc.com/studentbanking, please call or stop by any PNC branch.
 
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PNC Purchase Payback is a registered mark of The PNC Financial Services Group.

Please see the Virtual Wallet Fine Print or the Account Agreement for Personal Accounts for additional information.

PNC CashBuilder, PNC points and PNC Flex are registered marks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

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