PNC Virtual Wallet

It Starts With a Great Checking Account

No minimum balance. No monthly service fees. Member FDIC.

Manage your money through the PNC mobile app or online banking^[1]
Make purchases with your PNC Bank Visa® Debit Card, or with PNC Pay® on select Android™ devices or other digital payment options
Transfer money between your PNC accounts or from your external accounts^[2]
Write unlimited checks

Deposit checks with the PNC mobile app or at ATMs^[1]
Schedule and track bill payments with Online Bill Pay^[3]
Make free transactions at approximately 18,000 ATMs across the country as listed on our ATM locator^[4] and get reimbursed for up to $20.00 for other banks' ATM surcharge fees per statement period
Send and receive money with people you know and trust in the US using Zelle®^[5]

Tools to Help You Manage Your Money

Virtual Wallet's patented digital tools help you to see what's free to spend,
stay on track with your budget and reach your financial goals.

Budget and spend wisely

Calendar shows you upcoming paydays, payments that you've set up and a history of your posted transactions.
Money Bar® displays the money you've scheduled for bills and what's free to spend.
Spending & Budgets allows you to group your spending into categories like "Gas" and "Restaurants," create category budgets and set up to receive alerts so you know if you are staying on track.

Know your balance is low

Danger Days℠ appear on your Calendar when your Spend account is at risk of being overdrawn so that you can adjust your spending or move money from savings.
Alerts can be set up to monitor your accounts for certain activities and you choose how you'd like to receive notifications.

Stick to your plan

Savings Rules helps make saving a little easier with automatic transfers that you set to move money into your Reserve or Growth accounts on a regular basis, like when you receive a paycheck or pay a bill.
Savings Goals help you save for the things you want and put away money for what you need. Create goals in either or both your Reserve and Growth accounts to save for anything, from a new TV to an upcoming vacation.

Important Legal Disclosures and Information

1. 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.

2. PNC limits the number of transfers that may be made from a savings or money market account. Please see your account agreement for more information.

3. Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

4. When depositing checks at an ATM, you may receive an offer to choose PNC ExpressFunds, an optional service that makes your funds available faster for certain purposes. There is a fee for this optional service. If you decline the offer, you will still be able to make your deposit without a fee.

Total ATM count includes PNC Partner ATMs.

5. 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.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Android is a trademark of Google LLC.

Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks of The PNC FInancial Services Group, Inc.

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet®

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