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  PNC Bank Virtual Wallet Checking Pro
PNC Bank Virtual Wallet Checking Pro
in Checking Accounts from PNC Bank · Member FDIC
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PNC Bank Virtual Wallet Checking Pro

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in Checking Accounts from PNC Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
(Verified 11/04/2022)
Monthly Fee $7 - $25
(Verified 11/04/2022)
Minimum Balance to Avoid Monthly Fee $500 - $5,000

PNC Bank Virtual Wallet Checking Pro Review

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 across the USA.

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 APY. The maximum annual percentage yield for this account is only 0.01%.
  • 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 $5,000, have a monthly direct deposit of $5,000, or $25,000 combined balance accross eligible accounts.
  • 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 through PNC Bank.

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.
  • Free 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.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).

PNC Bank virtual wallet checking pro FAQ

Are checking accounts from PNC Bank federally insured?

Yes, your deposits 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 virtual wallet checking pro offer?

PNC Bank Virtual Wallet Checking Pro Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

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.

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 Opening Deposit $0
Minimum Balance to Avoid Monthly Fee $500 - $5,000
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $5,000
Minimum Balance to Earn APY $1

What fees does PNC Bank virtual wallet checking pro charge?

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

PNC Bank Virtual Wallet Checking Pro Fees
Description
Monthly Fee $7 - $25
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $20
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $0
Online Bill Pay Fee $36
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25

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 any 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 checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for PNC Bank virtual wallet checking pro?

The customer support email for PNC Bank virtual wallet checking pro is info@pnc.com.

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.

Message From PNC Bank virtual wallet checking pro

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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Availability

  Available in 23 states
  • Arkansas
  • Connecticut
  • Iowa
  • Idaho
  • Kansas
  • Louisiana
  • Massachusetts
  • Maine
  • Minnesota
  • Mississippi
  • Montana
  • North Dakota
  • Nebraska
  • New Hampshire
  • Nevada
  • Oklahoma
  • Oregon
  • Rhode Island
  • Tennessee
  • Utah
  • Vermont
  • Washington
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee $500 - $5,000
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $5,000
Minimum Balance to Earn APY $1
Monthly Fee $7 - $25
(Verified 11/04/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $20
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $0
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $0
Online Bill Pay Fee $36
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • ATM Reimbursement
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
Bonus Offer Earn $200 when you establish total qualifying direct deposit(s) of $2,000 or more to the new Virtual Wallet Checking Pro.
Signup Bonus Up to $200
Signup Deposit Requirement $2,000
APY (Annual Percentage Yield) 0.01%
(Verified 11/04/2022)

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