PNC Virtual Wallet with Performance Select offers the highest relationship rates but also has the highest balance requirements. PNC Virtual Wallet With Performance Select However, there are sometimes different promotions, but they are specific to regional/state designation. The Reserve account also earns 0.01% on any balance, and the Growth account earns 0.03% on any balance. You can also earn interest on your Spend balance, which is currently 0.01%, no matter your balance. Like the basic PNC Virtual Wallet account, you’re eligible for relationship rates on the Growth account. You also get reimbursements on up to two non-PNC ATM transaction fees charged by PNC and up to $5 per month on other bank ATM fees for using a non-network ATM. It has a higher monthly maintenance fee of $15 per month, but you can waive it with $2,000 in direct deposits monthly or a combined balance between the two checking accounts of $2,000. ![]() PNC Virtual Wallet with Performance Spend pays interest on the Spend account and a slightly higher APY on Growth. PNC Virtual Wallet With Performance Spend Currently, the Reserve APY (annual percentage yield) is 0.01%, and the Growth APY is 0.02% on balances up to $2,499 and 0.03% on balances over $2,499. The Growth account pays relationship rates slightly higher than the basic rate earned on Reserve balances of $1 or more. To avoid the $7 monthly fee, you must have at least $500 in direct deposits to your Spend account monthly or carry a combined balance of $500 between both checking accounts. PNC Virtual Wallet is the basic PNC offering with a Spend, Reserve, and Growth Account. The right PNC Virtual Wallet depends on the amount you deposit in your accounts. You also have three options for a PNC Virtual Wallet. See all bonuses Types of PNC Virtual Wallet Accounts ![]() Growth: This is a traditional savings account with limits on monthly withdrawals and higher interest rates.Īs an added perk, you can earn a bonus when you open a PNC Virtual Wallet account and meet the qualified direct deposit requirements.Reserve: This is an interest-bearing checking account for short-term savings, such as money you want to put away for a sporadic bill or money you put aside for holiday spending.Spend: This is your standard checking account that includes an ATM debit card for easy access to your cash.With PNC Virtual Wallet, you get three accounts: Spending Categories: To give you a better view of how you spend your money.Savings Goals and Rules: To help you set and reach financial goals.However, the point of the PNC Virtual Wallet is to provide digital money management tools: With approximately 2,400 locations and 60,000+ PNC and affiliate ATMs, it’s easy to access your funds or see a teller if you have banking questions. PNC Virtual Wallet combines a checking and savings account while providing helpful budgeting tools to help you reach your financial goals. In This Article What Is PNC Virtual Wallet? In this PNC Virtual Wallet review, I help you understand how the PNC Virtual Wallet works and if its features are something you could use. You get an online bank account – three to be exact – with the option to bank in person if you live near a PNC branch. ![]() You have many options when opening a bank account online, and the PNC Virtual Wallet offers the best of both worlds.
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