Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
There is no monthly service charge for Virtual Wallet if you meet any ONE of the following requirements:-$500 in total combined monthly direct deposits-$500 combined average monthly balance in Spend and Reserve accounts -OR with Virtual Wallet Student OR if account holder is age 62 or older
$7.00
Annual Percentage Yield (APY)
The account earns 0.01% interest.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
PNC Purchase Payback
This account includes 'PNC Purchase Payback' to put money back into your account based on your debit card usage. There is no annual fee for this card.
$0.00/yr
ATM Fee Reimbursements
This account includes rebates of up to $5.00 in ATM fees you incur when you use a non-affiliated ATM.
Yes
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-PNC ATM. This fee is waived on your first two withdrawals each month.
$3.00/per use
International ATM Usage Fee
There is a $5.00 fee each time you use an ATM in another country.
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application for BlackBerry and Windows devices to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and make mobile check deposits;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs, and make mobile check deposits.
Free
Deposit Checks with Mobile Phone
This feature is available for the iPhone and Android mobile application.
Free
Person-to-Person Payments
PopMoney
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- The bad news that your account balance is below $0;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$2.00 fee per month to receive paper statements
$2.00/month
Check Images with Statements
$3.00 to receive check images with paper statements
; $3.00/check
Online Statements
Online Statements are required with the Virtual Wallet account.
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $36.00
$36.00/per item
Overdraft Protection
This checking account has 4 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.
Available
About PNC Bank
PNC's wide range of services can make banking easier, and more convenient than ever. See why PNC is the smart choice for help in meeting your financial goals.