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Last Updated: 01/21/2026

PNC Bank Virtual Wallet Checking Pro

from PNC Bank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

Up to $200(Verified 06/21/2024)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.01%(Verified 06/21/2024)

Disclaimer popup with additional information

Monthly Service Fee

$7 - $25(Verified 01/21/2026)

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PNC Bank Virtual Wallet Checking Pro Review

The PNC Bank Virtual Wallet Checking Pro is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank virtual wallet checking pro is available in 23 states.

Key Takeaways

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.
Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
Charges a monthly fee. This account charges a monthly fee of up to $25, but the fee may be waived if you keep a minimum balance of$5,000.
No minimum initial deposit. There is no minimum balance required to open an account online.
No ATM fees. PNC Bank Virtual Wallet Checking Pro does not charge fees on ATM transactions .
Up to $20 in ATM fee rebates. 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 when you enroll in PNC Bank mobile or online banking.

PNC Bank virtual wallet checking pro Pros & Cons

Pros

Cons

Includes Low Cash Mode, an innovative, game-changing tool that helps you avoid overdraft fees.
Earn up to $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.
Interest-yielding account.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
No charge on incoming domestic wire transfers.

Only available in 23 states.
Monthly service charge .

PNC Bank virtual wallet checking pro FAQ

Are checking accounts from PNC Bank federally insured?

Yes, your deposits are insured 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 virtual wallet checking pro offer?

PNC Bank Virtual Wallet Checking Pro Rates & Terms

Description

APY (Annual Percentage Yield)

0.01% (see terms and conditions)

PNC Bank virtual wallet checking pro offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $1.

Annual Percentage Yields (APYs) are accurate as of 11/07/2022. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changed, call 1 888 PNC BANK. Rates on variable rate accounts may change after account opening. Interest rates, APYs and other terms may vary in other PNC Bank markets. Refer to the PNC Virtual Wallet Fine Print "What You Need To Know" and/or the Features and Fees document that corresponds to the Virtual Wallet product you are selecting for other important terms and conditions. $1.00--$999,999.99: 0.01% APY $1,000,000.00 and above: 0.01% APY PNC reserves the right to refuse or return any deposit amount to you that cause the combined balance of all of your Virtual Wallet Growth accountswith 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). The minimum deposit required to open the account is $25 at a branch.

What are the account minimums for PNC Bank virtual wallet checking pro?

PNC Bank virtual wallet checking pro does not require a minimum initial deposit.

PNC Bank Virtual Wallet Checking Pro Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

$500 - $5,000

Minimum Balance to Earn APY

Minimum Opening Deposit

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $25,000

What fees does PNC Bank virtual wallet checking pro charge?

This account charges a monthly maintenance fee each statement cycle of up to $25. No Monthly Service Charge if you meet any one of the following:

$500 combined average monthly balance in your Spend and/or Reserve accounts

$500 in qualifying monthly direct deposits to your Spend account during the statement period.

Account holder is age 62 or over.

Account holder is a PNC Employee

Monthly Service Charge if requirements are NOT met:

$7 Virtual Wallet with Performance Spend

No Monthly Service Charge if you meet any one of the following:

$2,000 combined average monthly.

PNC Bank Virtual Wallet Checking Pro Fees

Description

Monthly Service Fee

$7 - $25 (see terms and conditions)

Paper Statement Fee

Starting at $0

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $0

NSF Fee

Overdraft Item Fee

Starting at $36

Early Account Closure

Starting at $25

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $0

Online Bill Pay Fee

Starting at $36

Stop Payment Fee

Starting at $0

Check Image Service

Starting at $3

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $25

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $12

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

ATM Reimbursement Monthly Limit

Starting at $20

Does PNC Bank virtual wallet checking pro charge overdraft fees?

Yes, PNC Bank virtual wallet checking pro charges a $36 fee for every overdraft.

What features and perks does PNC Bank virtual wallet checking pro offer?

This account includes the following features:

Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.
ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $20.
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 virtual wallet checking pro 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 virtual wallet checking pro allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

PNC Bank Virtual Wallet Checking Pro Disclosure: "Annual Percentage Yields (APYs) are accurate as of 11/07/2022. Rates and APYs may vary and may change after account opening. Fees could reduce earnings. To determine if these rates have changed, call 1 888 PNC BANK. Rates on variable rate accounts may change after account opening. Interest rates, APYs and other terms may vary in other PNC Bank markets. Refer to the PNC Virtual Wallet Fine Print ""What You Need To Know"" and/or the Features and Fees document that corresponds to the Virtual Wallet product you are selecting for other important terms and conditions. $1.00--$999,999.99: 0.01% APY $1,000,000.00 and above: 0.01% APY PNC reserves the right to refuse or return any deposit amount to you that cause 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). The minimum deposit required to open the account is $25 at a branch." "See the Features and Fees for Full Details Virtual Wallet No Monthly Service Charge if you meet any one of the following: • $500 combined average monthly balance in your Spend and/or Reserve accounts • $500 in qualifying monthly direct deposits to your Spend account during the statement period • Account holder is age 62 or over • Account holder is a PNC Employee • Monthly Service Charge if requirements are NOT met --$7 Virtual Wallet with Performance Spend No Monthly Service Charge if you meet any one of the following: • $2,000 combined average monthly balance in your Spend and/or Reserve accounts • $10,000 combined average monthly balance only across PNC Bank consumer deposit accounts you have chosen to link. • $2,000 in qualifying monthly direct deposits to your Spend account during the statement period ($1,000 for WorkPlace or Military Banking customers) • Account holder is a PNC Employee •Monthly Service Charge if requirements are NOT met --$15 Virtual Wallet with Performance Select No Monthly Service Charge if you meet any one of the following: • $5,000 + monthly direct deposit to the Spend • $5,000 + monthly balance in Spend and Reserve. • $25,000 combined average monthly balance across PNC Bank consumer deposit and/or PNCI investment accounts you have chosen to link • Account holder is a PNC Employee • Monthly Service Charge if requirements are NOT met --$25"

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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.

Contact

Headquarters

Tower at PNC Plaza 300 Fifth Ave

Pittsburgh, PA 1522

(888) 762-2265

Visit Site

Hours of Operation

Sunday

Closed

Monday

8:00AM - 9:00PM

Tuesday

8:00AM - 9:00PM

Wednesday

8:00AM - 9:00PM

Thursday

8:00AM - 9:00PM

Friday

8:00AM - 9:00PM

Saturday

8:00AM - 5:00PM

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

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