![]() There is more fee forgiveness with this account than there is with basic checking. Maintain a combined balance of $10,000 in PNC deposit accounts. Keep an average monthly balance of $2,000 in checking and/or Reserve accounts. Make $2,000 in direct deposits to your Spend account each monthly statement period. The $15 monthly fee is waived if one of these conditions are met: There is no minimum opening deposit if Performance Spend is opened online it’s $25 if opened in a branch. The checking account with Virtual Wallet with Performance Spend is interest bearing, paying 0.01 percent APY on balances of $2,000 and up. Have at least $500 a month in qualifying direct deposits to your Spend account, such as a paycheck. Maintain a combined average monthly balance of at least $500 in your Spend and Reserve accounts. The Reserve and Growth accounts also serve as built-in overdraft protection. In addition to Spend, there are two savings account options that can be included with this package: Reserve is a secondary checking account, and Growth is a long-term savings account. In this tier, the checking account, called Spend, is a basic, noninterest bearing account. Virtual Wallet is an umbrella title for a combination of checking and savings accounts. ![]() Here are more details about PNC’s main checking accounts. ![]() The perks of this account are good for up to six years. PNC also offers Virtual Wallet Student, a non-interest bearing checking account with no balance requirement (if opened online) and no monthly service fee. Note: Annual percentage yields (APYs) shown are as of Jfor New York. Virtual Wallet with Performance Select (Spend) PNC Bank’s main checking account offerings include: Virtual Wallet, for customers who want basic account features and online tools Virtual Wallet Performance Spend, which features two reimbursements for non-PNC ATM use per statement cycle and other perks and Virtual Wallet Performance Select, which is the premium checking account with the highest level of benefits. ![]() PNC Bank was named Most Trusted Bank as part of the 2023 Bankrate Awards. It also has a full array of online and mobile banking tools, making it a good fit for checking account customers who prefer traditional branch banking but also want access to the latest in personal-finance technology. With more than 2,400 branches and access to nearly 60,000 fee-free ATMs, PNC Bank has a large physical presence. Its retail branch network sprawls across 29 states in the mid-Atlantic, South, Midwest and West, as well as in the District of Columbia. PNC Bank is a subsidiary of Pittsburgh-based PNC Financial Services Group, one of the largest financial services institutions in the U.S., with assets of $556 billion. ![]()
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