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  PNC Bank Virtual Wallet Checking Pro

PNC Bank Virtual Wallet Checking Pro

in Checking Accounts from PNC Bank · fdic

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PNC Bank Virtual Wallet Checking Pro

Unaffiliated

in Checking Accounts from PNC Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.4%

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
  • $200 Bonus offer. Open a new account and you can get up to $200 if you deposit a minimum of $2,000 (see terms and conditions for more details).
  • Higher than average APY. PNC Bank Virtual Wallet Checking Pro has an annual percentage yield of up to 0.4%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. PNC Bank Virtual Wallet Checking Pro does not charge fees on ATM transactions.
  • Up to $20 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 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 open and use a select, new Virtual Wallet.
  • 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.
  • No signup bonus.
  • Only available in 23 states.
  • Higher than average wire transfer fees.
PNC Bank virtual wallet checking pro 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 virtual wallet checking pro offer?

PNC Bank Virtual Wallet Checking Pro Rates & Terms
Description
APY (Annual Percentage Yield) 0.4%

PNC Bank virtual wallet checking pro offers an APY of 0.4% (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
APY Minimum Balance $1
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee $0

What fees does PNC Bank virtual wallet checking pro charge?

The good news is that this account does not have a monthly Service Charge.

PNC Bank Virtual Wallet Checking Pro Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $20
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $36
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 $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
ATM Fee: Out-of-Network $0

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:

  • $200 Bonus offer. Open a new account and you can get up to $200 if you deposit a minimum of $2,000 (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 $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.

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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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View all checking accounts offered by PNC Bank

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

APY Minimum Balance $1
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
NSF Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $20
Check Image Service $3
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Online Bill Pay Fee $36
Overdraft Item Fee $36
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • 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) 0.4%

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