PNC Bank Review: Comprehensive Banking with Virtual Wallet Checking Pro

PNC: Integrated banking with competitive rates and extensive ATM access.

PNC Bank Review: Comprehensive Banking with Virtual Wallet Checking Pro

PNC Bank offers a distinctive banking solution through its Virtual Wallet Checking Pro, which merges checking, short-term planning, and long-term savings into a single account, complemented by robust online financial tools.


  • Virtual Wallet Checking Pro:
    • Spend Account: No monthly fees, offering free mobile banking, online bill pay, and access to a network of 60,000 ATMs nationwide.
    • Reserve Account: A secondary checking account for earmarking funds for upcoming expenses not considered in the ratings.
    • Growth Account: A savings component with a competitive APY of 4.65% for balances over $1, designed to encourage savings growth.
  • Certificates of Deposit: Offers fixed-rate CDs with lower yields than the market.
  • Large Branch and ATM Network: Extensive accessibility across the country.


  • Integrated Account Management: Simplifies finances by combining checking and savings functionalities alongside tools for budgeting and financial planning.
  • Competitive Savings Rate: The Growth account's APY stands out, especially in regions where the highest rates are offered.
  • ATM and Branch Access: Provides convenience and flexibility with a vast network of ATMs and branches.
  • Online Financial Tools: Aids in managing finances effectively with features for budgeting, tracking expenses, and setting savings goals.

Product Summary:

PNC Bank's Virtual Wallet Checking Pro represents an innovative approach to banking, catering to those seeking an all-in-one financial management solution. While its savings rates are competitive in certain regions, the nationwide variability and lower CD yields may prompt customers to explore additional options for long-term investments. Nevertheless, the absence of monthly fees on select accounts, coupled with the utility of the Spend and Growth accounts, makes PNC a solid choice for individuals prioritizing convenience and digital banking tools. Ideal for customers in areas where PNC offers its best rates, this banking solution offers a blend of accessibility, financial management, and growth potential.

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