Unlike some banks, PNC does charge a fee for out-of-network ATM use, although it waives the first two fee charges per statement cycle. The account also comes with a free debit card and access to PNC’s fee-free ATM network. There’s no minimum deposit requirement to open a Spend account online. PNC Virtual Wallet with Performance Spend (“Spend”) is the primary checking account and is a fairly standard checking account that does not earn interest. Two out of three accounts within PNC’s Virtual Wallet are checking accounts. Here’s a look at the various accounts available through PNC. There are different iterations of the Virtual Wallet available based on customer needs.
You also will be asked to enter your ZIP code on various pages to be sure you’re viewing the correct interest rates and offers. The bank packages three accounts together in what it refers to as its Virtual Wallet.
Banking with PNC-as presented on its corporate website-is somewhat confusing, especially if you are looking for stand-alone accounts.
