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  PNC Virtual Wallet Student Account

PNC Virtual Wallet Student Account

in Checking Accounts from PNC Bank · Member 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 maintenance fee.
  • Up to $6 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through PNC Bank.
  • Hard credit pull. PNC Bank may require a hard pull on your credit report to open a checking account.
PNC Virtual Wallet Student Account 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 Account 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 Account offer?

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

What are the account minimums for PNC Virtual Wallet Student Account?

PNC Virtual Wallet Student Account requires a minimum initial deposit of $25 to open an account.

PNC Virtual Wallet Student Account Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does PNC Virtual Wallet Student Account 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 $6
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

What features and perks does PNC Virtual Wallet Student Account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $6.
  • 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 Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - PNC Virtual Wallet Student Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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.

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

Minimum Opening Deposit Starting at $25
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 $6
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
Bank Account Features
  • IRAs
  • FDIC Member
  • 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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