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PNC Virtual Wallet Checking & Savings

About PNC Bank Checking Accounts

The PNC Virtual Wallet Checking & Savings from PNC Bank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 9/10. Integrated Spend, Reserve, and Growth digital money management account featuring Low Cash Mode with 24-hour overdraft cure time and payment control.

Key highlights include Up to 4.00% Promotional Growth APY, a fee structure of $7 Monthly Fee ($0 w/ $500 Direct Deposit or $500 Avg Balance), and Up to $400 Virtual Wallet Welcome Bonus. Accounts are backed by FDIC Insured up to $250,000 and supported by PNC Bank's 4.8 / 5.0-rated digital banking experience.

Features

Annual Fee	$7 Monthly Fee ($0 w/ $500 Direct Deposit or $500 Avg Balance)
Regular APR / Rate	Up to 4.00% Promotional Growth APY
Intro Offer / Welcome Bonus	Up to $400 Virtual Wallet Welcome Bonus
Savings APY / AER	Spend + Reserve + Growth Accounts + Low Cash Mode Overdraft Control
Minimum Deposit	$0 Minimum to Open Online
Foreign Transaction Fee	3% Foreign Transaction Fee
Deposit Insurance	FDIC Insured up to $250,000
Mobile App Rating	4.8 / 5.0
Overall Rating	9 / 10

About Product

Annual / Monthly Fee: $7 Monthly Fee ($0 w/ $500 Direct Deposit or $500 Avg Balance)
APR / APY Rate: Up to 4.00% Promotional Growth APY
Intro Offer / Bonus: Up to $400 Virtual Wallet Welcome Bonus
Key Benefits: Spend + Reserve + Growth Accounts + Low Cash Mode Overdraft Control
Minimum Requirement: $0 Minimum to Open Online
Foreign Transaction Fee: 3% Foreign Transaction Fee
Protection: FDIC Insured up to $250,000

Pros

Rate / APR / APY: Up to 4.00% Promotional Growth APY
Fee Structure: $7 Monthly Fee ($0 w/ $500 Direct Deposit or $500 Avg Balance)
Welcome Offer / Benefit: Up to $400 Virtual Wallet Welcome Bonus
Rewards & Highlights: Spend + Reserve + Growth Accounts + Low Cash Mode Overdraft Control

Cons