Virtual Wallet® is Checking & Savings. Together.
Manage your money the way you want.

View your Virtual Wallet pending and posted transactions, and categorize what you’ve spent to take advantage of Spending + Budgets.

Free Balance and Scheduled Out
Your Free Balance and Scheduled Out subtract known bills and expenses from your available Spend account balance. They’ll also show you potential Danger DaysSM, which is when your Spend account is at risk of being overdrawn.

Mobile Check Deposit (i)
Use the camera on your mobile device to quickly and easily deposit checks.

Money Bar and Calendar
Access your Calendar and Money Bar with ease from almost anywhere in the app.
• Use Calendar to see upcoming paydays and payments, and a history of your posted Spend account or included PNC Credit Card transactions. You can pay bills, schedule bill reminders, and view potential Danger Days.
• Use Money Bar to see how much is available to spend with your Free Balance, what you’ve set aside for bills and how much you’re saving in your Reserve goals.

Money Bar® Preview
Turn on Money Bar Preview to get a snapshot of your Free Balance, as well as your Spend, Reserve and Growth balances, without having to sign on.

PNC Easy Lock®
Easily lock or unlock your PNC debit card or credit card.

Punch the Pig®
Make saving fun by tapping or shaking your personalized pig to move money from your Spend to either your Growth or Reserve accounts.

Quick View
Get an overview of your Free Balance, account balances, quick access to your online statements and a list of your recent transactions.

Savings Engine®
Set up automatic savings rules to regularly move money to your Reserve or Growth accounts, like when you receive a paycheck. Create Savings Goals to track your progress toward your goals and move the money to your other accounts.

Spending + Budgets
When transactions post to your Spend account or included PNC Credit Card, you can see where you're spending your money with categories like restaurants, gas and more. Create budgets and set up alerts to know if you’re staying on track.

Zelle® (ii)
Send and receive money using your mobile number or email address.

Additional Features
Pay Bills – Use PNC’s convenient bill payment feature to manage all your bills.
Touch ID & Face ID – Sign on to Virtual Wallet with Touch ID or Face ID supported iOS devices.
Password Reset – Reset your PNC Online and Mobile password quickly and conveniently on the app.
Transfer (iii) – Transfer money between your PNC deposit accounts.
Security & Privacy – With PNC’s Security & Privacy, you can be confident that your personal and financial information will be protected while using Virtual Wallet.

PNC Online Banking customers without Virtual Wallet should use the PNC Mobile Banking app.

(i) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required.
(ii) Zelle should only be used to send or receive money with people you trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offer a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days.
(iii) A federal regulation limits the number of transfers that may be made from a savings or money market account.

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc. ©2019 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

What’s New

Version 6.18.0

We’ve made some small changes to continue to improve your experience, including adding our Help menu and ATM and Branch locator inside the app.

Ratings and Reviews

4.4 out of 5
12.7K Ratings

12.7K Ratings

D_Kirk ,

Great concept and solid practical web interface with 1-2 issues

Virtual Wallet is an excellent idea and solid implementation. I could go on and on about it’s usefulness in tracking, organizing, and paying for expenses (bill pay is great!!) all integrated together. I have two minor issues ...1) the money bar feature is occasionally inaccurate, leading me to believe I have more money free to use than I do (thinking I had less would be the “better” error for not over-drawing). It happens for one day only sometimes when a “scheduled out” comes due but doesn’t yet show as “pending.” The “available” and “free” calculations suddenly inflate for a day (while the expected payout seems to be in no-mans land), before returning to an appropriate amount the following day. 2) the budgeting part of the web app doesn’t let me customize the date range for a month ... a problem for me since I get paid on the 30th of every month and spend that money the next month. It would be much more natural to plan the month’s expenses with the income from that day before the month started (as opposed to being “in the red” every month until the last day since it examines income to expenses). Other than those 2 things, it’s great!!’nn

perculesss ,


This is a great app, great bank! convenient!, no fees!, 24 hour over draft protection if you overdraft from spending (checking account) it will automatically take from your savings to stop you from getting a penalty which cost 7-15$ for your own good because it’s not a credit card!, with the virtual wallet account you get a checking , Savings , and a reserve account you can only pull money out of your reserve so many times or you’ll get penalized which they’ll just take it away from you and I belive charge you 7-15$ but it’s for your own self control to not spend out of that account you get like 5 transfers from that account a month I believe it’s a great way to save money. you can transfer money from checking to savings all you want. You can send money to friends with zelle, there are Pnc atms at every speed way to with drawl from only for no charge 20$ ,40$ 100$ ect, this is the best bank and app no doubt about it ive had 33 cents in my account for 2 months and it’s okay that want you as a customer! And the bankers are very helpful they took off a 22$ fee I had received from a misunderstanding so there verry friendly! 100% only bank I’ll ever use for the rest of my life, best part about it is you can manage all of your money from your phone and even deposit checks by takeing a picture, (takes up to 1 day) and don’t void the check untill it’s forsure deposited. I recommend this bank to every one :)

Artistllo ,

Couple improvements needed....

I really love using the features of PNC’s virtual wallet. My issues are this and I hope the developers will listen to this and make some improvements. I totally understand the need for security and auto logging a person out after inactivity, but you need to consider that a person may need time to scroll through their activity and budget their bills etc. I can barely work with my spreadsheet without being auto logged out before I’ve had a chance to look at anything. This is getting highly annoying. How about a feature in settings where someone like me could hit a button that says “keep me logged in until I sign out” that would be my choice and security would be my responsibility. I’m sitting at home doing my bills and don’t want to be logged out every two seconds as if I were at Starbucks. Please developers give me an option.
Secondly, in order to go into the reserve section of account to see how you’ve allotted monies saved for certain items you have to go online through a browser, the app will only show you how much money is in reserve, but you cannot access what is for what or rearrange the funds. Please incorporate this into the app. As it is now , the app is limited and causes me to have to login the website anyway to fully see what I have allotted and repurpose funds. If I have to go to website for that why am I using the app ?
Please developers look at these issues.

Developer Response ,

Thank you for your feedback, and we will pass your issue with the app's timeout settings to our engineering team! To view and control items in your Reserve account, you can access these through the Savings Engine option in the More menu on the mobile app.


PNC Bank, N.A.
56.7 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, French, Spanish

Age Rating
Rated 4+
© 2019 PNC Bank, N.A.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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