Last Updated: 01/21/2026
PNC Bank Virtual Wallet Checking Pro
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in Checking Accounts from PNC Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
PNC Bank Virtual Wallet Checking Pro Review
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
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PNC Bank virtual wallet checking pro FAQ
Are checking accounts from PNC Bank federally insured?
What APY does PNC Bank virtual wallet checking pro offer?
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| APY (Annual Percentage Yield) | 0.01% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the account minimums for PNC Bank virtual wallet checking pro?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500 - $5,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does PNC Bank virtual wallet checking pro charge?
- $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
- $7 Virtual Wallet with Performance Spend
- $2,000 combined average monthly.
| 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 | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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?
- 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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