A $25 minimum deposit is required to open an account. The PNC ‘S’ is for Savings® is PNC’s savings account for children. There is a $25 minimum deposit required to open the PNC Standard Savings Account. Like most of the bank’s other deposit accounts, it features relatively low interest rates. PNC also offers a Standard Savings Account. The account features no minimum opening deposit or ongoing balance and no monthly service charges. This online-only savings account features a more competitive rate currently at 4.65% APY. The savings account earns between 0.01% and 0.03% APY depending on your balance and whether you meet monthly requirements for relationship rates.Įligible markets also have access to the PNC High Yield Savings℠. The third account that makes up PNC’s Virtual Wallet is the PNC Virtual Wallet with Growth (“Growth”). In certain markets, the package is called Virtual Wallet Checking Pro, and can be configured with just the Spend account or with the Spend, Reserve and Growth accounts. The military version features reduced qualifying requirements for waived monthly fees. The Student Virtual Wallet comes with extra benefits for up to six years, including no monthly service fees. Versions of PNC’s Virtual Wallet are also available as options for student and military banking. Although it’s an interest-bearing account, it only earns 0.01% APY on all balances over $1. It’s designed to help customers save for upcoming or unforeseen expenses. PNC Virtual Wallet with Reserve (“Reserve”) is an interest-bearing checking account. If you’re ever at risk of overdraft on your Spend account, PNC will automatically move funds over from your Reserve or Growth account. You’ll also receive a $5 fee reimbursement per statement cycle for ATM fees charged by other financial institutions.Īnother interesting feature included with Virtual Wallet is double overdraft protection.
Unlike some banks, PNC does charge a fee for out-of-network ATM use, although it waives the first two fee charges per statement cycle.
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The account also comes with a free debit card and access to PNC’s fee-free ATM network.
There’s no minimum deposit requirement to open a Spend account online. PNC Virtual Wallet with Performance Spend (“Spend”) is the primary checking account and is a fairly standard checking account that does not earn interest. Two out of three accounts within PNC’s Virtual Wallet are checking accounts. Here’s a look at the various accounts available through PNC. There are different iterations of the Virtual Wallet available based on customer needs.
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You also will be asked to enter your ZIP code on various pages to be sure you’re viewing the correct interest rates and offers. The bank packages three accounts together in what it refers to as its Virtual Wallet. Banking with PNC-as presented on its corporate website-is somewhat confusing, especially if you are looking for stand-alone accounts.
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