Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
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.
Understand Your New Account
Spend
Your Virtual Wallet Spend account is your primary checking account for
everyday spending.
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.
Add Funds to Your Account
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 DepositEasySM ATM. Find one near you.
- Transfer money from another account.[5]
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Mark Your Calendar
This is the bill payment and cash flow hub for your Virtual Wallet. Here’s how to set it up:
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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
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 account. Your money is separated into two buckets:
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.
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Budget Your Spending
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.
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Track Your Spending
- Categorize your transactions
- Visualize your spending habits
Add your bills and payments
- Budget by category
- Track spending by month
Did You Know?
If you ever misplace your debit card, you can use PNC Easy Lock® to stop new transactions.[6,7]
Check out the others ways that PNC helps keep your account safe
Add a Reserve & Growth Account
You also have the option to add a Reserve and Growth account for planning, saving and protection. Watch this video or contact us to learn more.
Video: Benefits of the Virtual Wallet Bundle