PNC Virtual Wallet Spend
APY
0.01%
Min. to Open
None required
Monthly Fee
$7/month
Welcome Bonus
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PNC Virtual Wallet Spend
PNC Virtual Wallet Spend
Spend + Reserve + Growth buckets. April 2026.
Our take
Virtual Wallet helps separate bills and savings without juggling multiple logins.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
Answer a few quick questions — we'll match you with the bank accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 0.01% |
Fees & Requirements
| Monthly fee | $7/month |
| Fee waiver | $500+ monthly direct deposit or $500 combined balance |
| Minimum to open | None required |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Check writing |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.01%. Rates are variable and may change. Check the bank's site for the most current rate.
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. Check writing is supported. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $7 can be waived if you $500+ monthly direct deposit or $500 combined balance.
PNC Virtual Wallet Spend