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  PNC Bank Virtual Wallet

PNC Bank Virtual Wallet

in Checking Accounts from PNC Bank · fdic

Unaffiliated

PNC Bank Virtual Wallet

Unaffiliated

in Checking Accounts from PNC Bank · Member FDIC

SuperMoney Net Recommendation Score +9

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +9, equating to 3.2 on a 5 point rating scale.

+9

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

5 users recommend
2 users are unsure
4 users don't recommend
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Highlights
Community Rating Mostly recommended
Monthly Fee $0 - $25
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $500 - $5,000
APY (Annual Percentage Yield) 0.02% - 0.06%
Number of Reviews 11

PNC Bank Virtual Wallet Review

PNC Bank Virtual Wallet is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank Virtual Wallet is available in 20 states (and Washington, DC).

Key Takeaways
  • $300 Bonus offer. Open a new account and you can get up to $300 if you deposit a minimum of $500 (see terms and conditions for more details).
  • Higher than average APY. PNC Bank Virtual Wallet has an annual percentage yield of up to 0.06%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $25, but the fee is waived if you keep a minimum balance of $500, have a monthly direct deposit of $500, or $500 combined balance accross eligible accounts..
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Up to $5 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through PNC Bank.
PNC Bank checking account Pros & Cons
Pros Cons
  • Low Cash Mode gives you at least 24 hours to bring your available balance to at least $0 before you are charged overdraft fees.
  • Offers a $50 bonus offer.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Does not provide access to a nationwide ATM network.
  • Only available in 20 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
PNC Bank checking account FAQ

Are checking accounts from PNC Bank federally insured?

Yes, your PNC Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does PNC Bank checking account offer?

PNC Bank checking account offers an APY starting at 0.02% and ranging up to 0.06% (APY stands for annual percentage yield, rates may change).

PNC Bank checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.02% - 0.06%

What are the account minimums for PNC Bank checking account?

PNC Bank checking account does not require a minimum initial deposit.

PNC Bank Virtual Wallet Minimums
Description
Minimum Combined Balance to Avoid Monthly Fee $500
Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit $0 - $25
Minimum Balance to Avoid Monthly Fee $500 - $5,000

What fees does PNC Bank checking account charge?

This account charges a monthly service fee of up to $25.

PNC Bank Virtual Wallet Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $5
Check Image Service $3
Debit Card Replacement Fee $7.50
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee $36
Online Bill Pay Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $3

Does PNC Bank checking account charge overdraft fees?

Yes, PNC Bank checking account charges a $36 fee for every overdraft.

What features and perks does PNC Bank checking account offer?

This account includes the following features:

  • $300 Bonus offer. Open a new account and you can get up to $300 if you deposit a minimum of $500 (see terms and conditions for more details).
  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $5.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - PNC Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - PNC Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for PNC Bank checking account?

The customer support email for PNC Bank checking account is info@pnc.com.

How do people rate the customer service and user experience of PNC Bank checking account?

Overall, PNC Bank checking account is mostly recommended based on community reviews that rate customer service and user experience.

PNC Bank Virtual Wallet Disclosure: * See terms. No Monthly Service Charge if you meet any one of the following: - $500 combined average monthly balance in your Spend and/or Reserve accounts. All rates and Annual Percentage Yields (APYs) are accurate as of 9/13/2021. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. - $500 in qualifying monthly direct deposits to your Spend account during the statement period. - PNC reserves the right to refuse or return any deposit amount to you that causes the combined balance of all of your Virtual Wallet Growth accounts with us to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From PNC Bank Virtual Wallet

Checking at PNC is Virtual Wallet. In today's world, you need more than just a checking account.  Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. To best meet your needs, we have three levels of Spend to choose from.

Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs.  

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 2:00pm

Other Services by PNC Bank

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View all checking accounts offered by PNC Bank

Availability

  Available in 20 states and Washington, D.C.
  • Arizona
  • California
  • Colorado
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • North Carolina
  • New Jersey
  • New Mexico
  • Ohio
  • Pennsylvania
  • South Carolina
  • Texas
  • Wisconsin
  • West Virginia

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $500
Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit $0 - $25
Minimum Balance to Avoid Monthly Fee $500 - $5,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
ATM Reimbursement Monthly Limit $5
Check Image Service $3
Debit Card Replacement Fee $7.50
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee $36
Overdraft Item Fee $36
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $3
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
Signup Bonus $50 - $300
Signup Deposit Requirement $500
APY (Annual Percentage Yield) 0.02% - 0.06%

PNC Bank Virtual Wallet Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +9, equating to 3.2 on a 5 point rating scale.

+9

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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