Banking Built for Students
A digital banking experience to keep your money organized while you're in school.
What You Get
- Spend – primary checking account
- Reserve – short-term planning account
- Growth – long-term savings account
What You Need to Know
As an active student with Virtual Wallet Student, you'll have no minimum balance requirement or monthly service charge for six years from the date of account opening.
At the end of the six years, your Virtual Wallet Student account will convert to Virtual Wallet and be subject to the Virtual Wallet Features and Fees in effect at that time.
Account Features & Benefits
Account Features & Benefits
Open a new Virtual Wallet Student and get certain benefits for up to six years, including:
- No monthly service charge.[1]
- One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event.[2]
- One incoming domestic or international wire transfer per statement period at no charge. (Spend account only)
- Automatic enrollment for online statements and documents the first time you sign on to PNC Online Banking, and the option to choose paper statements at no charge.
Plus, still receive benefits standard to Virtual Wallet, like:
- A PNC Bank Visa® Debit Card
- Free Online[3] and Mobile[4] Banking so you can manage your money how and when you want to.
- Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period.[5]
- $5.00 reimbursement of other financial institutions. ATM surcharge fee per statement period.
- International Services including language interpretation.
Spend & Reserve Wisely
Spend & Reserve Wisely
Wherever you're headed, our flexible checking accounts can make your
student journey a little easier.
See what's free to spend
Money Bar® and Free Balance can help you see how much is available to spend.
Danger Days℠ can let you know when your Spend account is at risk of being overdrawn.
Plan your bills and expenses
On your Calendar, see upcoming paydays and payments and schedule bill reminders.
Use your Reserve account to set aside money for things you'll need later.
Work toward your goals
Start saving for the things you want and put money away for what you need.
Track your progress toward your goals.
Grow your Savings
Grow Your Savings
A student savings account with tools to start saving for your future.
Automate your savings
Getting paid? Set up automatic savings rules to move money to your Growth account on a regular basis.
Make saving fun
If you have extra money and want to save it on the fly, use your piggy bank!
The amount is customizable and it will transfer to your Reserve or Growth account.
Stay on track with budgets
See where you spend the most with categories like shopping, restaurants and more.
Create budgets and alerts to stay on track.
Important Legal Disclosures and Information
1. Virtual Wallet Student has no minimum balance requirement or monthly service charge for active students for six years from the date of account opening. You may be asked to provide proof of active enrollment in a qualifying educational institution. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account.
2. Virtual Wallet Student accounts will receive an automatic courtesy refund of the fee for the first Overdraft or Returned Item event. (Spend account only) Although the fee may be refunded, the transaction will be considered an overdraft or nonsufficient funds (NSF) occurrence when determining any subsequent overdraft or NSF fee.
3. 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.
4. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
5. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.
Visa is a registered trademark of Visa International Service Association and used under license.
Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National
Association. Member FDIC