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  PNC Virtual Wallet Student Account

PNC Virtual Wallet Student Account

in Checking Accounts from PNC Bank · fdic

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PNC Virtual Wallet Student Account

Unaffiliated

in Checking Accounts from PNC Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

PNC Virtual Wallet Student Account Review

PNC Virtual Wallet Student Account is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Virtual Wallet Student Account is available in 14 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, PNC Virtual Wallet Student Account does not pay interest.
  • $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.
  • 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 Virtual Wallet Student Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Does not earn interest
  • Only available in 14 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
PNC Virtual Wallet Student 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 Virtual Wallet Student offer?

PNC Virtual Wallet Student is not an interest-bearing account.

What are the account minimums for PNC Virtual Wallet Student?

PNC Virtual Wallet Student does not require a minimum initial deposit.

PNC Virtual Wallet Student Account Minimums
Description
Minimum Opening Deposit $0

What fees does PNC Virtual Wallet Student charge?

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

PNC Virtual Wallet Student Account 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
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 Virtual Wallet Student charge overdraft fees?

Yes, PNC Virtual Wallet Student charges a $36 fee for every overdraft.

What features and perks does PNC Virtual Wallet Student offer?

This account includes the following features:

  • 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 Virtual Wallet Student 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 Virtual Wallet Student 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 Virtual Wallet Student?

The customer support email for PNC Virtual Wallet Student is info@pnc.com.

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Message From PNC Virtual Wallet Student Account

Say Goodbye to Surprise Overdraft Fees. Virtual Wallet Student, A Checking Account made for student life. A digital banking experience to keep your money organized while you’re in school. Open a new Virtual Wallet Student and get certain benefits for up to six years, including: No monthly service charge. One automatic courtesy refund of any Overdraft Item or Returned Item fees associated with the first overdraft event. One incoming domestic or international wire transfer per statement period at no charge. Automatic enrollment for online statements and documents the first time you sign on to PNC Online Banking, and the option to choose paper statements at no charge.

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 14 states and Washington, D.C.
  • Delaware
  • Washington, DC
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Virginia
  • West Virginia

Feature Breakdown

ATM Fee: In-Network $0
Monthly Fee $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%
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
  • IRAs
  • Member FDIC
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • Nationwide ATM Network
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
  • Student Checking Account

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