Last Updated: 01/21/2026
PNC Virtual Wallet Student Account
Claimed
in Checking Accounts from PNC Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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PNC Virtual Wallet Student Account Review
The PNC Virtual Wallet Student Account is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Virtual Wallet Student 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.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Up to $5 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 Virtual Wallet Student Pros & Cons
| Pros | Cons |
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PNC Virtual Wallet Student FAQ
Are checking accounts from PNC Bank federally insured?
Yes, your deposits are insured 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.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $7.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 rebates - This account will reimburse you for 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 checks1 in your account with a mobile app on 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.
Message from PNC Virtual Wallet Student
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM
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Other Checking Accounts from PNC Bank
Bonus Offer
Up to $400
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00% - 0.01%
Disclaimer popup with additional information
Monthly Service Fee
$7 - $25
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
Up to $200
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$7 - $25
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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PNC Virtual Wallet Student Account Community Reviews
Would you recommend PNC Virtual Wallet Student Account to your friends?
OE
O E.
Sep 26, 2022
May or may not recommend
The PNC Virtual Wallet student is a great account for students. The app has great tools that shows you your spending pattern and also lets you save for short and long term goals. The account also does not charge service or maintenance fee and no minimum deposit required.
Mayling M.
Sep 12, 2022
May or may not recommend
I opened my PNC Virtual wallet when I first graduated Highschool, the process was easy and at the time no minimum balance, no monthly fee. The virtual wallet was a great feature, specially for a young adult learning money management. You where able to see the progress you where making and where you needed to learn a little more discipline. It definitely is a great starting account.
MG
May G.
Jun 8, 2022
May or may not recommend
The PNC Virtual Wallet student was great for me when i was just learning how to be on my own. They have great tools that allow you to save for both short and long term goals automatically. It is also great that they split them into 3 different account numbers so that you aren't tempted to spend the money out of the savings side of things. This is an overall ...Show More
RP
Ron P.
Apr 20, 2022
May or may not recommend
PNC Student Account was the first bank account I had. No maintenance fees, and services and support was great. But once your student account expires you need to maintain a balance so be informed of it.
Showing 4 of 4 reviews
