{"account":{"slug":"pnc-virtual-wallet","bank":"PNC","name":"Virtual Wallet"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet.html","history":[{"date":"2026-06-11","apy":"No interest on base Spend; small variable rates on eligible higher-tier and Growth balances","monthlyFee":"$7 base, $15 Performance Spend, or $25 Performance Select with waiver paths","minimumOpen":"$0 online or $25 in a branch","atm":"Approximately 60,000 PNC and partner ATMs","note":"Legacy snapshot linked to a then-assumed current $100/$200/$400 bonus"},{"date":"2026-09-04","apy":"Spend pays no interest; Reserve and Growth pay variable interest, with relationship rates depending on tier","monthlyFee":"$7 base, $15 Performance Spend, or $25 Performance Select with deposit and balance waiver paths","minimumOpen":"$0 online or $25 in a branch","atm":"Approximately 60,000 PNC and partner ATMs; non-PNC reimbursements depend on tier","note":"Reconfirmed the account structure and fees; removed the live bonus link because PNC's official offer page still displayed an expired May 28, 2026 deadline","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/features-and-fees/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet features and fees"},{"date":"2026-10-23","apy":"Base Spend pays no interest. Reserve, Growth and Performance Select Spend earn variable interest; check rates for your ZIP code.","monthlyFee":"$7 Virtual Wallet or $25 Performance Select before applicable waivers","minimumOpen":"$0 online or $25 in a branch for Spend; optional Reserve and Growth require $0","atm":"PNC/partner access is fee-free. Base account: other ATMs cost $3 in the U.S., Canada, Puerto Rico and U.S. Virgin Islands, or $5 elsewhere, plus operator charges. Performance Select waives PNC’s fee and reimburses up to $10 of operator charges per statement period.","note":"Rebuilt the current comparison from PNC product pages and fee schedules. Older Performance Spend and student-program snapshots remain historical, not newly verified offers. The current review date is not a policy effective date.","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet and current account fee disclosures"}],"verificationEvents":[{"id":"2064212b-1cff-4618-a87b-93f9c9a718ae","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.885Z","recordedAt":"2026-10-23T05:52:41.886Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/deposit-rates/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet rate center","outcome":"unavailable","summary":"Rate center retrieved with ZIP 15222 and older location date supplied no numeric table. No current national Growth APY is asserted.","changedFields":["apy","sections","faqs"],"previousHash":"76ab507c2388aa1ee75de6471066788ffd6675f35229f785b0ea8794db127f90","recordHash":"521633b7347a8e8383b14f5a4d135e6e8e5d04cbe09fd5040f7430bb3543ec70"},{"id":"91524341-0446-41db-851b-29b65cc23923","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.811Z","recordedAt":"2026-10-23T05:52:41.812Z","sourceUrl":"https://www.pnc.com/en/customer-service/consumer-deposits-customer-service.html","sourceLabel":"PNC checking and savings customer service","outcome":"confirmed","summary":"Early Pay rollout continues through December 2026; availability up to two business days early is not guaranteed.","changedFields":["sections"],"previousHash":"db2b2fc49b7da555c5eff1c875b0fb207f72600e04aa784fc5b6536ea1198ba6","recordHash":"76ab507c2388aa1ee75de6471066788ffd6675f35229f785b0ea8794db127f90"},{"id":"7dcf6576-1c4f-45dc-b80f-3ddcfdd82e8d","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.738Z","recordedAt":"2026-10-23T05:52:41.739Z","sourceUrl":"https://www.pnc.com/en/personal-banking/topics/pnc-student-center.html?lnksrc=topnav","sourceLabel":"PNC Student Banking Center","outcome":"changed","summary":"Current student offer centers on Simple Checking; removed the assumption that a new Virtual Wallet receives six years of student fee waivers.","changedFields":["plans","sections","faqs"],"previousHash":"8ab61c9446f1e0b61c7c81b751b8ee64a885cf7025d5168120c43f9160b510db","recordHash":"db2b2fc49b7da555c5eff1c875b0fb207f72600e04aa784fc5b6536ea1198ba6"},{"id":"741b6b60-1f45-4885-bb44-34d4f1b040e0","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.664Z","recordedAt":"2026-10-23T05:52:41.665Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html?WT=NavOffer","sourceLabel":"PNC Low Cash Mode details","outcome":"confirmed","summary":"Confirmed minimum 24-hour Extra Time, $0 available-balance target and eligible payment controls, not a blanket fee guarantee.","changedFields":["features","sections","faqs"],"previousHash":"b7fdcf31f1840344c240d27f4d84be2e4b8ccfb30ae35f42c709dc085f9e1258","recordHash":"8ab61c9446f1e0b61c7c81b751b8ee64a885cf7025d5168120c43f9160b510db"},{"id":"f8a3cfc5-24c0-4e5c-97e1-3612e61717d5","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.591Z","recordedAt":"2026-10-23T05:52:41.591Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking.html","sourceLabel":"PNC current checking account menu","outcome":"changed","summary":"Current menu shows base Virtual Wallet and Performance Select alongside Simple Checking; Performance Spend is not presented as a newly available option.","changedFields":["plans","sections"],"previousHash":"ec75ffc936b639dc38fdb0e7766bde1e4abbc655ad94cee994c38b0fbad47375","recordHash":"b7fdcf31f1840344c240d27f4d84be2e4b8ccfb30ae35f42c709dc085f9e1258"},{"id":"b91024f2-5a42-4c39-8c68-a2ed33d6b348","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.519Z","recordedAt":"2026-10-23T05:52:41.520Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet-performance-select.html","sourceLabel":"PNC Performance Select product details","outcome":"confirmed","summary":"Checked interest-bearing account structure, domestic wire benefits and check discounts.","changedFields":["plans"],"previousHash":"d7ba66630510236991a5fc5714983119bfeb0dc3cd36eee1f25a19d4acedfb18","recordHash":"ec75ffc936b639dc38fdb0e7766bde1e4abbc655ad94cee994c38b0fbad47375"},{"id":"1792e5c6-6fe0-4045-a7a4-ba691dbb9db4","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.441Z","recordedAt":"2026-10-23T05:52:41.442Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet product details","outcome":"changed","summary":"Corrected Reserve to checking, made the three-account bundle optional and limited Low Cash Mode to Spend.","changedFields":["tagline","features","sections","faqs"],"previousHash":"45b6449f4f2ad9e9540845c0f47aa4db036ace978e01600533d32f431f32600c","recordHash":"d7ba66630510236991a5fc5714983119bfeb0dc3cd36eee1f25a19d4acedfb18"},{"id":"00000df7-f31f-482c-8da1-fb0d0a6c8236","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.363Z","recordedAt":"2026-10-23T05:52:41.364Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/features-and-fees/virtual-wallet-performance-select.html","sourceLabel":"PNC Performance Select fees, effective February 22, 2026","outcome":"changed","summary":"Verified Select waiver thresholds and explicit account linking; operator ATM reimbursement is limited to $10 per statement period.","changedFields":["plans","atm","sections","faqs"],"previousHash":"994625e31e98ccb196a7215b09e1946b243b96bf37f281d7906f3aadb96e5a4f","recordHash":"45b6449f4f2ad9e9540845c0f47aa4db036ace978e01600533d32f431f32600c"},{"id":"c2c5cd93-f47f-4527-9bc1-2b130c39605c","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-10-23T05:52:41.288Z","recordedAt":"2026-10-23T05:52:41.289Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/features-and-fees/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet fees, effective May 31, 2026","outcome":"changed","summary":"Verified base fee and waiver paths, opening deposits, average monthly balance test, ATM charges and overdraft limits.","changedFields":["monthlyFee","minimumOpen","plans","atm","sections"],"previousHash":"430089160fcda2b1f9f91c189097453a68f2bc96afd04a6a7e8c4281706a88e6","recordHash":"994625e31e98ccb196a7215b09e1946b243b96bf37f281d7906f3aadb96e5a4f"},{"id":"475bcc81-2a87-4d2c-aad7-b2421d7a3d08","entityType":"bank-account","slug":"pnc-virtual-wallet","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:49:42.226Z","sourceUrl":"https://www.pnc.com/en/personal-banking/banking/checking/features-and-fees/virtual-wallet.html","sourceLabel":"PNC Virtual Wallet features and fees","outcome":"changed","summary":"Reconfirmed account fees and structure and removed the live bonus link after the official offer page showed an expired deadline.","changedFields":["features","bonusSlug","pros","termHistory","lastVerified"],"facts":{"baseMonthlyFee":7,"performanceSpendMonthlyFee":15,"performanceSelectMonthlyFee":25,"minimumOpenOnline":0,"minimumOpenBranch":25},"previousHash":"c9a8fe9adbb2cdb161d40214d55e2cd909e0de2f86e1c052d13cc7329ea554e0","recordHash":"e73b23f41b1462cb81e691eadb5fdf38f7871c5ec49e80af2e700f386f744865"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}