![]() OR, maintain a monthly balance of $10,000 in all PNC consumer deposit accountsĪt PNC, a personal checking account is called a Spend account, and is intended for day-to-day spending.OR, maintain a $2,000 monthly balance in Spend + Reserve.At least $2,000 in direct deposits to the account each month ($1,000 for WorkPlace Banking customers).Virtual Wallet® with Performance Spend does charge a monthly fee of $15, but there are ways to get this waived: Virtual Wallet with Performance Spend is PNC's middle-tier offer, which still has a relatively easy-to-waive maintenance fee, but also offers (a small amount of) interest on your balance.Īll Virtual Wallet accounts come with 2-layers of overdraft protection, access to PNC's online and mobile banking tools, and in-person service at one of their branches. It pairs with short-term planning account (called Reserve) and a long-term savings account (called Growth) to fill out your "Virtual Wallet". >At PNC, a personal checking account is called a Spend account, and is intended for day-to-day spending. OR, maintain a $500 monthly balance in Spend + Reserve.At least $500 in direct deposits to the account each month.Virtual Wallet® does charge a monthly fee of $7, but there are ways to get this waived: This base Virtual Wallet is PNC's basic offer, which has its lowest (and easiest to waive) maintenance fee, but offers no interest on your balance and only 2 reimbursements for non-PNC ATM transactions.Īll Virtual Wallet accounts come with 2-layers of overdraft protection, access to PNC's online and mobile banking tools, and in-person service via their 2,300 branches. Learn more in our PNC Bank review Virtual Wallet®Īt PNC, a personal checking account is called a Spend account, and pairs with short- and long-term savings accounts (which they call "Reserve and Growth") to fill out your "Virtual Wallet". And while they offer online and mobile banking with all of the major features, their apps feel more dated than competitor products (and definitely more than the tech-based banks). ![]() Typical of the big national brands, their interest rates are low. ![]() Ultimately, however, PNC isn't our top pick if you're shopping for a new bank. A single fee covers the trio of accounts and, like most linked accounts, it's easy to transfer money between the three (plus offers 2-layers of fee-free overdraft protection). PNC offers combo products that pair two checking accounts (day-to-day spending and short-term planning) and a savings account together under "Spend, Reserve and Growth" virtual wallets. This includes the former BBVA locations, which they acquired in 2021. PNC Bank is the 7th largest in the U.S., with over 60,000 ATMs and approximately 2,400 physical branches across the country. To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now: How does this personal checking offer from PNC compare?
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