Yes, because the overdraft fee is charged per item paid by the bank. For more information about overdrafts you can access this link: https://www.pnc.com/en/personal-banking/banking/services/overdraft-solutions.html .
You can withdraw funds as often as you need. Please note that the first 6 withdrawals are free of charge. After, you will be charge a $15 fee per withdrawal.
Yes, you can order and use checks with your Virtual Wallet account. To order checks please sign into Online Banking, click on the Customer Service Tab and you will be prompted to the Account Services section, click on Order Checks & Supplies. After, click on the “Checks/Supplies” link under the Order column next to the account for which you want to order checks. You can enroll in the bank’s online banking service here: https://www.onlinebanking.pnc.com/alservlet/OnlineBankingServlet?userId=enroll&origin=p.
That’s correct, PNC charges a $5 fee for foreign ATM transactions and a 3% fee of the transaction amount for international purchases. If you use the ATM and use the debit card for purchases in a foreign country, you’ll be charged both fees.
Please call customer service at 888-762-2265 to ask the bank to change your checking account.
There are certain limits on the amount that can be withdrawn from an ATM each day. The amount of these limits are disclosed to you in writing when you receive your card. You can also call the bank at 1-866-304-2818 if you need any additional information about your limits.
The overdraft fee will be assessed at the end of the business day, if your account is overdrawn then the bank will charge you a $36 fee.
Virtual Wallet is comprised of 3 accounts - Spend, Reserve and Growth. If you overdraw the Spend account, it is automatically protected by the Reserve and Growth accounts. The bank will not apply a fee for this transaction.
The fee for using ATMs in a foreign country is $5 for each transaction. PNC reimburses only the first two international non-PNC Bank ATM transactions at the end of the statement period. Fees in excess of two per statement period will not be reimbursed.
In order to have overdraft protection on your account you must opt in. If you have already done that and the service is still not working, please call customer service at: 1-888-762-2265, or go to a local branch. You can find more information on overdraft protection here: https://www.pnc.com/en/personal-banking/banking/services/overdraft-solutions.html .
According to PNC’s website, in order to avoid the monthly fee you need to have a $500 average balance in Spend and Reserve (both accounts -- not just in your savings). Please find more details here: https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet.html.
Some PNC fees for use of non-PNC ATMs are reimbursed. Other bank's surcharge fees may be reimbursed depending on your location. The account offers free transactions at over 8,800 PNC ATMs. The account earns interest on balances of $2,000 or more. Please find more details here: https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet-with-performance-spend.html.
To apply online the minimum age is 18. If you are younger than 18, you need to visit a branch and bring your parent or guardian to apply. Please note that you will need to bring your student ID, report card or other proof of student status, as well as a valid SSN.
Unfortunately, this information is not made available on the bank’s website. Please call customer service at 800-352-2255 for more details.
You can use the debit card at no cost at all PNC ATMs. You can also use the debit card at non-PNC ATMs, but you will be charged a $3 fee. Please find more details here: https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet.html.
Please visit the following link to recover your password: https://www.onlinebanking.pnc.com/alservlet/ForgotUserIdServlet.
In order to avoid the monthly service fee for the Virtual Wallet Student checking account, you need to be enrolled in the institution mentioned here: https://www.pnc.com/en/personal-banking/banking/student-banking.html.
No, to open the account and enjoy the monthly service waiver you will need to be enrolled in college.
Please call customer service at 888-762-2265 to bring this issue to the bank’s attention. Note that if your account was overdrawn, the bank will apply a $36 per item.
The funds will be made available immediately.
The pricing varies depending on the checks you would like to order. Please note that the bank does not offer any discounts for the Standard Checking account. Please call customer service at 888-762-2265 for more details.
You will have to check to see if your local branch provides coin counters, if not your coins need to be rolled in order for the bank to accept those.
According to the bank’s website, it takes about 10 minutes to complete the application and you will receive an answer from the bank immediately.
To overdraft using your debit card you will need to enroll in the bank’s overdraft service. Please call customer service at 877-588-3605 to enroll.
When getting a student account, you will need to provide a valid U.S. address, Social Security Number and a second form of ID (Driver’s License, or State Issued ID or Miltary ID).
Yes, you can transfer funds from your reserve fund to your spend fund at no expense.
You can have a $0 balance until the end of the month so that the bank won’t apply the $7 monthly service fee. You can avoid this fee by having $500 combined average monthly balance in your Spend and/or Reserve accounts, or $500 in qualifying monthly direct deposits to your Spend account during the statement period, or by using only ATM, online banking, mobile banking or other self-serve electronic methods to make withdrawals and deposits.
To open the PNC Standard Checking account, you’ll need a $25 minimum initial deposit.
Yes, you can open the Virtual Wallet Student checking account. You’ll need to visit a branch to open the account and provide proof of active enrollment in an educational institution. Please find the nearest branch here: https://apps.pnc.com/locator/. Please find more details regarding the Virtual Wallet Student account here: https://www.pnc.com/en/personal-banking/banking/student-banking.html.
You can cash checks with a teller at a PNC branch or at a PNC ATM.
The minimum initial deposit is $25.
Yes, you will receive checks with your Virtual Wallet account. The account also offers unlimited check writing.
Please call customer service at 800-352-2255 to find out your account number.
According to their website, Virtual Wallet is an entirely new approach designed to make life easier and transform the way you spend, save and grow your money. You can find helpful information about Virtual Wallet here: https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html
The PNC Standard Checking account offers unlimited check writing.
Yes, foreign ATM withdrawals are included in the 2 transaction per month rebate.
PNC Standard Checking account is not a free account. Please find the account fees here: https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/summary-standard-checking-a.pdf.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.