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Virtual Wallet

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Account Summary
Features and Fees

Virtual Wallet with
Performance Spend

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Account Summary
Features and Fees

Virtual Wallet with
Performance Select

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Account Summary
Features and Fees

Service Charge      
Monthly service charge

No monthly service charge if you meet any ONE of the following:

$500 or more average monthly balance in Spend + Reserve

OR, $500 or more qualifying monthly direct deposits* to the Spend

OR, only use ATMs, online or mobile banking to make withdrawals and deposits**

OR, with Virtual Wallet Student***

Otherwise, $7

No monthly service charge if you meet any ONE of the following:

$2,000 or more average monthly balance in Spend + Reserve

OR, $2,000 or more qualifying monthly direct deposits* to the Spend

OR, $15,000 combined average monthly balance****

Otherwise, $15

No monthly service charge if you meet any ONE of the following:

$5,000 or more average monthly balance in Spend + Reserve

OR, $5,000 or more qualifying monthly direct deposits* to the Spend

OR, $25,000 combined average monthly balance****

Otherwise, $25

Account Features and Fees      
Free check writing Unlimited Unlimited Unlimited
Free use of PNC ATMs Yes Yes Yes
Reimbursement of PNC fees for use of non-PNC ATMs

2 per month will be reimbursed

See how much in your area»

No fee charged
Reimbursement of ATM surcharge fees charged by other banks

No reimbursement

See how much in your area»

Unlimited reimbursment

Interest on Spend account   Yes Yes
Eligible for Student edition Yes    
Rewards      
Earn cash with PNC Purchase Payback® 1 Yes Yes Yes
Bonus rewards on credit cards Yes On points Visa and Flex Visa Yes Higher rewards on points Visa, Flex Visa and CashBuilder Visa Yes Higher rewards on points Visa, Flex Visa and CashBuilder Visa
Bonus rates on select CDs   Yes Yes
Interest rate on Growth2 Yes With 5 credit or debit card transactions per month Yes With 5 credit or debit card transactions per month Yes With 5 credit or debit card transactions per month
Extras      
Free check orders   Yes Yes
Free identity theft protection3     Yes Up to $10,000
Safe deposit box discount   $10 annually $100 annually

*A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.

**Use of only ATMs, online banking, mobile banking or other electronic methods to make withdrawals and deposits.

***Proof of active enrollment in an educational institution is required to receive a monthly service charge waiver. This waiver will expire 6 years after it is assigned to your account.

****PNC deposit accounts include consumer checking, savings, money market, certificate of deposit and retirement certificate of deposit. PNC linked investment balances include investment balances from a PNC Investments account including the value of any annuities if they are reflected on the PNC Investments account statement. Some accounts may not be eligible to be included in the combined average monthly balance requirement based on titling structure, product type or other constraints. A maximum of ten (10) linked PNC accounts, including this account, may be included in the combined average monthly balance relationship. Customer must request account be linked to receive relationship benefits.

  1. Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you received offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.
  2. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Check Card or a PNC credit card included in your Virtual Wallet, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.
  3. Covers up to $10,000 out of pocket expenses incurred to regain your identity and to repair your credit. Certain restrictions and deductibles apply. See the Summary Description of Benefits for the Personal, Internet and Identity Coverage Master Policy for details. Coverage applies to Primary Checking account only, not to additional checking, savings or money market accounts.
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Answer 3 easy questions to find which PNC Checking Account is right for you.

1. Do you write more than 3 paper checks per month?
Yes
No
2. Do you frequently use online and mobile tools to manage your money?
Yes
No
3. Do you have direct deposits of $2,000 OR maintain an average monthly balance of $1,500 OR a combined* average balance of $10,000 each month?
Yes
No

* Combined average monthly balance in checking, savings, money market, investments, installment loans, lines of credit and mortgage applies.

Virtual Wallet

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Features

  • Calendar, Money Bar®, Spending Zone and other online tools that help you manage your money, organize and pay bills, spend and save money and more
  • No minimum balance requirements
  • No monthly service charge*
  • Free transactions at over 6,400 PNC ATMs

* If you exceed the 3 check per monthly statement cycle limit, you will be charged a fee of $.50 per check.

Virtual Wallet with Performance Spend

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Features

  • Calendar, Money Bar®, Spending Zone and other online tools that help you manage your money, organize and pay bills, spend and save money and more
  • Free Banking Rewards Program - PNC points®1
  • Enhanced Rewards with your PNC Visa Credit Card
  • Free PNC and non-PNC ATM transactions2
  • Interest paid on balances
  • Multiple ways to avoid monthly service charge

1. To enroll in the PNC points program visit pnc.com/points or call 1-888-PNC-points (1-888-762-7646).

2. Virtual Wallet with Performance Spend provides automatic reimbursement of non-PNC Bank ATM fees. Other financial institutions' surcharge fees will be reimbursed up to $8 maximum per statement period.

Free Checking

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Features

  • No minimum balance requirements
  • No monthly service charges
  • Free transactions at over 6,400 PNC ATMs
  • Standard Online Banking & Bill Pay

Performance Checking

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Features

  • Free Banking Rewards Program - PNC points®1
  • Enhanced Rewards with your PNC Visa Credit Card
  • Free PNC and non-PNC ATM transactions2
  • Interest paid on balances
  • Multiple ways to avoid monthly service charge

1. To enroll in the PNC points program visit pnc.com/points or call 1-888-PNC-points (1-888-762-7646).

2. Performance Checking provides automatic reimbursement of non-PNC Bank ATM fees. Other financial institutions' surcharge fees will be reimbursed up to $8 maximum per statement period.

Schedule an Appointment Call 855-PNC-INVEST (855-762-4683)
Mon - Fri: 8am - 7pm ET | Sat: 9am - 4pm ET

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:
 

Securities and brokerage services are provided by PNC Investments LLC, a registered broker-dealer and investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered by PNC Insurance Services LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.

Read the PNC Investments Customer Disclosure on Business Resiliency Planning »

Read this quarter's SEC Rule 606 quarterly report »

Under Section 326 of USA PATRIOT Act, PNC Investments LLC, and affiliates are required to verify the identity of their clients. PNC Investments utilizes the services of outside vendors to assist with this government-mandated requirement. In certain circumstances PNC Investments and affiliates may require a client, even after an account has been established, to present a form of photographic, un-expired government issued identification evidencing nationality or residency. We appreciate your business and patience with our compliance efforts.