{"account":{"slug":"pnc-virtual-wallet","bank":"PNC","name":"Virtual Wallet"},"status":"recent","lastVerified":"2026-09-04","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"}],"verificationEvents":[{"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"}