Virtual Wallet
Virtual Wallet
Spend
This is a non-interest bearing account.
Reserve
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 and above | 0.01% | 0.01% |
Growth
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 - $2,499.99 | 1.54% | 1.55% |
| $2,500.00 and above | 1.78% | 1.80% |
Virtual Wallet Student
Spend
This is a non-interest bearing account.
Reserve
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 and above | 0.01% | 0.01% |
Growth
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 - $2,499.99 | 0.01% | 0.01% |
| $2,500.00 and above | 0.01% | 0.01% |
Virtual Wallet with Performance Spend
Spend
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $2,000.00 - $9,999.99 | 0.01% | 0.01% |
| $10,000.00 - $49,999.99 | 0.01% | 0.01% |
| $50,000.00 - $99,999.99 | 0.01% | 0.01% |
| $100,000.00 and above | 0.01% | 0.01% |
Reserve
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 and above | 0.01% | 0.01% |
Growth
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 - $9,999.99 | 1.78% | 1.80% |
| $10,000.00 - $24,999.99 | 2.52% | 2.55% |
| $25,000.00 - $49,999.99 | 2.52% | 2.55% |
| $50,000.00 - $99,999.99 | 2.52% | 2.55% |
| $100,000.00 - $249,999.99 | 2.52% | 2.55% |
| $250,000.00 - $499,999.99 | 2.52% | 2.55% |
| $500,000.00 - $999,999.99 | 2.52% | 2.55% |
| $1,000,000.00 and above | 2.52% | 2.55% |
Virtual Wallet with Performance Select
Spend
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $2,000.00 - $9,999.99 | 0.01% | 0.01% |
| $10,000.00 - $49,999.99 | 0.01% | 0.01% |
| $50,000.00 - $99,999.99 | 0.01% | 0.01% |
| $100,000.00 and above | 0.01% | 0.01% |
Reserve
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 and above | 0.01% | 0.01% |
Growth
Standard Rates
| Balance to Earn Interest | Interest Rate | APY Legal Footnote[1] |
|---|---|---|
| $1.00 - $9,999.99 | 3.20% | 3.25% |
| $10,000.00 - $24,999.99 | 3.20% | 3.25% |
| $25,000.00 - $49,999.99 | 3.20% | 3.25% |
| $50,000.00 - $99,999.99 | 3.20% | 3.25% |
| $100,000.00 - $249,999.99 | 3.20% | 3.25% |
| $250,000.00 - $499,999.99 | 3.20% | 3.25% |
| $500,000.00 - $999,999.99 | 3.20% | 3.25% |
| $1,000,000.00 and above | 3.20% | 3.25% |
1. All rates and Annual Percentage Yields (APYs) are accurate as of 4/1/2025. 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.
Important Note about Current Rates: Your Growth account will earn the highest rate available to you (Promotional or Standard Rate) for which you qualify based on the applicable balance tier and the criteria above.
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).
Transaction fees will apply to your account if you exceed six (6) Restricted Transfers in a monthly service charge period. Restricted Transfers are transfers from a Growth account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. If you make more than a total of six (6) Restricted Transfers in a monthly service charge period, you will be charged a fee for each Restricted Transfer. See your account agreement and fee schedule for more information. Other limits may apply to your account. We reserve the right to suspend enforcement of these transaction limitations, or to modify them, at our discretion.
