Virtual Wallet by PNC

Get More from your Money

Starting with $150 on US1

Get $150 when you open and use Virtual Wallet® with Performance Spend

Virtual Wallet with Performance Spend was designed to transform the way you spend, save and grow your money. Apply today and you'll enjoy exclusive perks like unlimited checks, interest checking and more—plus a $150 reward (with qualifying Direct Deposit and one payment via Online Bill Pay).

Apply Online
See More Below

Here's how to get $150 on us:

Open and use Virtual Wallet with Performance Spend • Set up a qualifying Direct Deposit account
Make one payment via PNC Online Bill Pay
Less Than
10 Minutes
Apply Online
Apply In Person
Take This
Coupon To
Your Local

Remember, you can only get this offer here

The Added Benefits of Performance Spend

Virtual Wallet with Performance Spend supercharges your Spend account so you can do even more with your money.


Virtual Wallet & Virtual Wallet Student

Upgrade to Performance Spend

Account Features:    
Check Writing Yes 3 per month Yes Unlimited
Free use of PNC ATMs Yes Yes
PNC Fees for non-PNC ATMs Yes 2/month reimbursement Yes Unlimited reimbursement
Other bank fees for non-PNC ATMs No Yes Reimbursed up to $8/month
Interest on Spend Account No Yes (on balances over $2,000)
Earn cash with PNC Purchase Payback1 - coming soon Yes Yes
Bonus rewards on credit cards Yes On points Visa Yes On points Visa and CashBuilder® Visa
Bonus rate on selected CDs No Yes
Competitive interest rate on growth Yes with 5 credit or debit card purchases per month2 Yes with 5 credit or debit card purchases per month2
Yes Extras    
Free check orders Yes First set only Yes
Free identity theft protection No Yes Up to $5,0003
Safe deposit box discount No Yes $10 annual discount
Service Charge    
Monthly service charge No 4

$10, but can be avoided if you have one of these:

$1,500 combined average monthly balance in Spend + Reserve

$2,000 monthly qualifying direct deposit5

$10,000 in any linked eligible accounts6

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.

1 Offers are available only from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. IMPORTANT NOTICE ABOUT PNC POINTS & PNC PURCHASE PAYBACK: The PNC points Program is being discontinued for customers with PNC Bank Visa Check Cards. However, the PNC Purchase Payback Rewards Program will be enhanced to offer cash rewards to eligible debit and credit customers for qualifying purchases at participating merchants. Currently if you have a Business Check Card or a Check Card associated with a Performance or Performance Select checking account or Virtual Wallet with Performance Spend, it is eligible to enroll or link in PNC points. However, you will no longer be able to enroll or link any Check Card(s) in PNC points on or after November 1, 2012. Any Check Cards enrolled or linked in PNC points before November 1, 2012 will continue to earn points through January 31, 2013. If your Check Card isn't linked to a PNC points participating credit card in your name, the points in your account must be redeemed before December 1, 2013 or they will be forfeited. PNC points Visa Business credit cards will be auto-enrolled in PNC points beginning October 7, 2012 and new PNC points Visa and PNC Flex Visa credit cards will continue to be automatically enrolled in PNC points and will continue to enjoy the benefits of the PNC points Program. See PNC points Program Terms and Conditions. Credit cards subject to credit approval.
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 relationship rate on your Growth account for the following month.
3 Covers up to $5,000 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.
4 If you exceed the 3 checks per monthly statement cycle limit, you will be charged a fee of $.50 per check.
5 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.
6 Combined average monthly balance in checking, savings, money market, investments, installment loans, lines of credit and mortgage applies. 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, maybe included in the combined average monthly balance relationship. The outstanding balance on lines of credit, and the original principal amount on installment and mortgage loans, will be used to determine the combined average monthly balance. Only investments or annuities linked to a PNC Investments account are eligible to be included in the combined average monthly balance requirement.

PNC points and CashBuilder are registered marks of The PNC Financial Services Group, Inc.
Apply Online
Get $150 when you open a new Virtual Wallet® with Performance Spend with qualifying Direct Deposit and one payment via Online Bill Pay.