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Your Virtual Wallet® Guide
Get the most out of your digital banking experience.
Your Virtual Wallet® Guide
Get the most out of your digital banking experience.
![](/en/welcome/virtual-wallet/_jcr_content/main/pageHead/containergrid_copy_c/embeddedGrid/image.coreimg.jpeg/1712863672098/hero-personal-welcome-virtual-wallet-mobile.jpeg)
Before You Get Started
Understand Your New Accounts
Spend
Your primary checking account for everyday spending
Reserve
For short-term planning (lets you set money aside)
Growth
Your interest-bearing savings account
Watch this quick video for an overview of your new Virtual Wallet tools.
Video: PNC Virtual Wallet Welcome
Digital Banking
Start Using Your Visa® Debit Card Today
By adding your card to digital wallets with the PNC Mobile app you can start using your Visa Debit Card, even while you wait for it to arrive.
Your physical card will arrive soon via U.S. mail in a plain white envelope.
![Virtual Wallet dark gray debit card](/en/welcome/virtual-wallet/_jcr_content/main/pageBody/containergrid_copy_1761960749/embeddedGrid/containergrid_190173/embeddedGrid/containergrid_213480/embeddedGrid/image_copy_199108759_1423622085.coreimg.png/1710958765803/phone-screen-checking-onboarding-vw-card.png)
Watch this video to learn how to use Zelle in the PNC Mobile app.
Video: Virtual Wallet Tools Zelle
Watch these videos to learn how to use Low Cash Mode.
Low Cash Mode Dashboard
Intelligent Alerts & Extra Time
Payment Control
Add Funds to Your Account
![Select an account to deposit money to](/en/welcome/virtual-wallet/_jcr_content/main/pageBody/containergrid/embeddedGrid/containergrid_907738/embeddedGrid/image_copy.coreimg.png/1710958766109/vw-onboarding-screen-fund-account.png)
For illustrative purposes only. Screen enhanced for illustrative purposes.
Next, add funds to your account to make the most of Virtual Wallet’s budgeting and bill pay features. You have a few funding options. You can:
- For direct deposit, you’ll need your account and routing numbers. You can find these numbers either in Account Activity in PNC Online Banking or above your checking account’s recent transactions in the PNC Mobile app.
- Deposit a check from your phone using the PNC Mobile app[2]. PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.[4]
- Deposit checks or cash at a PNC Branch or PNC DepositEasy(SM) ATM. Find one near you.
- Transfer money from another account[5]
Learn how you can deposit a check with your tablet or smartphone.[2]
Mark Your Calendar
This is the bill payment and cash flow hub for your Virtual Wallet. Here’s how to set it up:
Add your paydays
- Set the amount and frequency of your paydays
- Calculate what's left to spend after your bills
Add your bills and payments
- Add your recurring bills for things like rent, internet and phones
- Add pre-authorized payments for subscriptions or a mortgage
- Track checks you've written until they're cashed
Plan ahead with Danger DayTM
- Alerts you when your account might be overdrawn
- Helps you make a transfer, deposit, or move a bill
![Virtual Wallet Calendar](/en/welcome/virtual-wallet/_jcr_content/main/pageBody/containergrid_copy_1_867264378/embeddedGrid/containergrid_907738330/embeddedGrid/image_copy.coreimg.png/1710958766301/vw-onboarding-screen-calendar.png)
For illustrative purposes only. Screen enhanced for illustrative purposes.
View upcoming paydays, payments you've set up, transaction history and more on your Calendar.
Meet Your Money Bar®
Once you’ve set up your Calendar, you can get familiar with your Money Bar.
Money Bar can help you monitor your balance in your Spend and Reserve accounts.
Your money is separated into four different buckets:
![Virtual Wallet Money Bar](/en/welcome/virtual-wallet/_jcr_content/main/pageBody/containergrid_copy_1_1556179916/embeddedGrid/containergrid_907738330/embeddedGrid/image_copy.coreimg.png/1710958766388/vw-onboarding-screen-money-bar.png)
For illustrative purposes only. Screen enhanced for illustrative purposes.
Scheduled Out
All the bills and expenses you've entered into your Calendar. These leave your Spend account before your next payday or in the next two weeks, whichever comes first.
Free Balance
How much you have left in your Spend account minus the bills and other expenses you have Scheduled Out.
Reserve Goals
The money you have set aside for the short term. You can keep this money in your Reserve or add it to a new Reserve Goal.
Reserve Savings Goals
Goals you've set for yourself to save money from your Reserve over time.
Watch this video to meet your Money Bar.
Budget & Save
Once your Calendar is ready and you know more about the Money Bar, there are a few other features you can set up to make the most of your new Virtual Wallet.
Set Savings Goals
- Create goals for your purchases and expenses
- Set deadlines or add money at your own pace
- Track your progress towards your goals
Add Savings Rules
- Automatically transfer money to your Reserve or Growth accounts
- Set the frequency, so transfers happen when you’re ready
Build Budgets
- Budget by category
- Track spending by month
![Virtual Wallet Reserve Account](/en/welcome/virtual-wallet/_jcr_content/main/pageBody/containergrid_copy_1/embeddedGrid/containergrid_907738330/embeddedGrid/image_copy.coreimg.png/1710958766655/vw-onboarding-bundle-screenshot-iphonex-reserve-savings-goals.png)
For illustrative purposes only. Screen enhanced for illustrative purposes.
Learn how Virtual Wallet can help you budget and save.
Did You Know?
If you ever misplace your debit card, you can use PNC Easy Lock® to stop new transactions.[6,7]