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Virtual Wallet

Fast, Easy, Secure.

Apply Online in Less than 10 Minutes and Receive a Response Immediately

Tell us about yourself
Tell us about yourself to help us complete your application.

What you need to provide

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Make your first deposit
Make your first deposit using one of our many funding options.

Available funding options
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Receive your account materials
Receive your account materials in the mail, then enroll in Online Banking.


Virtual Wallet helps you spend, save and grow your finances. It is made up of:

This is your primary checking account. It's designed mainly for your everyday living and spending. With it you get a brand new Virtual Wallet Visa Debit Card that you can use to make purchases(these purchases are deducted from your Spend account) or withdraw money at ATMs worldwide from any of your accounts. Your Spend account is what you'll use to pay bills by check or through Online Bill Pay, as well as make your daily, weekly(and weekend) purchases.

This account is for your short-term savings. And it also functions as your primary Overdraft Protection account- so if you're at risk of overdrawing your Spend account, money will be automatically transferred from your Reserve to your Spend, free of charge. Utilizing your Reserve account is a great way to save up for things like a laptop, a sofa, a new mattress, a digital camera, etc. Bigger purchases, such as a house or even a honeymoon, can be saved up for in your Growth account.

This is your long-term savings account.A secondary Overdraft Protection. The competitive interest rate1 makes it the perfect account for you to build your nest egg and grow financially. Put money into your Growth account to save up for bigger, life-changing purchases down the road- a car, a down payment on a house, or to help pay off college loans. Best of all, you won't need to use another bank for a high-interest savings account - with Virtual Wallet, you have it all in one place.



Get Started

Are you at least 18 or older?
Yes
No

We're sorry, PNC requires that primary applicants be at least 18 years old, and both applicants must be 18 or older to apply online. Thank you for choosing PNC Bank.

 
Are you a U.S. citizen?
Yes
No

We are unable to accept online applications from non-U.S. citizens at this time. Please call us at 1-800-352-2255 or visit one of our branches to apply. Thank you for choosing PNC Bank.

 
There's no monthly service charge for Virtual Wallet with a monthly qualifying direct deposit2 of $500 or average monthly Spend + Reserve balance of $500 or more. Otherwise a $7 monthly service charge applies.

Do you want to upgrade your Virtual Wallet edition?
Virtual Wallet with Performance Spend
Earn interest on your Spend account; get free PNC exclusive checks, free PNC ATM transactions and reimbursement of some fees for use of non-PNC ATMs and surcharges charged by other institutions per month. See how much in your area � .
No monthly service charge with a $2,000 monthly qualifying direct deposit2, or pay $15 a month. Learn more ».

Virtual Wallet with Performance Select
Get free domestic wire transfers, and unlimited non-PNC ATM transactions and surcharge reimbursements.
No monthly service charge with a $5,000 monthly qualifying direct deposit2, or pay $25 a month. Learn more »

Don't upgrade at this time
You can upgrade later once you're in Virtual Wallet, too.
 
Is this an individual account or a joint account?
Individual
Joint
 
What is your current relationship with PNC?
I am a PNC Online Banking Customer.
 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. What this means for you: When you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

Please enter your PNC Online Banking User ID below.

User ID:   
I have an account with PNC but have not yet registered for online account access.
 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. What this means for you: When you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

Please click Apply to continue with the application.

OR

Click the button below to enroll in online banking with PNC.

I do not have an account with PNC.
 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. What this means for you: When you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

Please click Apply to continue.

 

1. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit 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.
2. 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.
3. Use only ATM, online banking, mobile banking or other self-serve electronic methods to make withdrawals and deposits instead of visiting a branch teller. Monthly Service Charges may apply if a deposit or withdrawal transaction that can be conducted via a self-serve method is completed at a PNC Bank branch within the statement period and none of the other requirements to avoid the monthly service charges are met. For mobile banking, standard data rates may apply.

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


Virtual Wallet with Performance Spend

Virtual Wallet with Performance Select