The Virtual Wallet is PNC’s basic account with a handful of features. PNC's online-only offerings in states where it doesn't have branches are actually better than those in the states where it does have brick-and-mortar locations. Virtual wallets (savings and checking accounts rolled into one).PNC Bank boasts a wide swath of financial products and services, as you might expect from one of the largest financial institutions in the U.S. Those who want to bank with a long-standing, established institution.Anyone who prefers to step into a brick-and-mortar location and talk to a human because this bank has locations in 28 states and the District of Columbia.Those who want a one-stop shop for banking and financial services.Those who want to open both a savings and checking account with a single bank.PNC Bank could be a particularly strong fit for some individuals: Stand-alone checking and savings accounts are offered, but the Virtual Wallet seems to be the de facto type of account, according to PNC's website. Its Virtual Wallet offers three accounts rolled into one: “Spend" is a primary checking account, “Reserve” is an interest-earning checking account and “Growth" is a savings account. PNC’s unique ecosystem for its deposit accounts can be confusing. Harder to open a stand-alone account: PNC takes a slight departure from standard banking products in how it packages its deposit accounts.Wide range of products and services: PNC offers everything from student loans to auto loans to wealth management to life insurance in addition to deposit accounts.This might include being reimbursed for several specific ATM fees per statement cycle or receiving up to a certain amount in ATM fees back. ATM fee reimbursement: You can either have your non-network ATM fees reimbursed or have them dropped altogether depending on which type of deposit account you sign up for.You can earn either $50, $200, or $400 when you sync your account with a qualifying direct deposit, or other by meeting other requirements, depending on the type of account. Sign-up bonuses for deposit accounts: Sign-up bonuses are more common with credit cards and business accounts, but PNC offers one when you open a Virtual Wallet.The use of any third-party trademarks, logos, or trade names are for informational purposes only and do not imply an endorsement by the owner. Please review the privacy policies and security indicators displayed on the external website before providing any personal.ġ Data pulled from PNC: Virtual Wallet with Performance Spend as of November 28, 2022: Ģ Data pulled from PNC: Virtual Wallet with Performance Select as of November 28, 2022: ģ Data pulled from PNC: Virtual Wallet Student as of November 28, 2022: The privacy policies of the external website may differ from our privacy policies. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.īy clicking on some of the links above, you will leave the Chime website and be directed to an external website. While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. Please see back of your Card for its issuing bank. and may be used everywhere Visa credit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. and may be used everywhere Visa debit cards are accepted. or Stride Bank pursuant to a license from Visa U.S.A. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. Checks cost $5, and there’s also a $5 fee for paper statements with check images.¹īanking services provided by The Bancorp Bank, N.A. Balances for those accounts earn interest, and there are no monthly service charges for either one. There’s no minimum deposit required to open Reserve or Growth accounts. $2,000 in qualifying monthly direct deposits to your spend account during the statement period ($1,000 for WorkPlace or Military banking customers). $10,000 combined average monthly balance across linked PNC Bank deposit accounts.$2,000 combined average monthly balance in your Spend and Reserve accounts.There’s a Monthly Service Charge of $15, which can be waived if you meet any one of the following: If you have PNC Virtual Wallet with Performance Spend, the Spend account has a minimum opening deposit of $25 when opened at a branch or $0 when opened online. PNC Virtual Wallet with Performance Select.PNC Virtual Wallet with Performance Spend.The Virtual Wallet is available in three tiers: Spend: a checking account earning interest in some tiers.PNC combines Checking and Savings accounts into one offer – a Virtual Wallet.
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