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PNC VIRTUAL WALLET HOW TO
How to waive the account maintenance fee :.
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If you meet qualifications (such as making at least five debit transactions per month from your Spend account), you can earn up to 0.10% APY with your Growth account. The Reserve and Growth accounts earn 0.01% APY. Interest rate : The Spend account does not earn interest.Just beware of fees there are plenty that come with this product, including the following: If you’re looking to take advantage of PNC Bank’s Virtual Wallet® account package but don’t earn a huge income, this basic account is where you’ll want to start. PNC Checking Accounts Without Virtual Wallet®Ĭhecking accounts with Virtual Wallet® Virtual Wallet® BasicĪ basic account for lower-income earners who want to use Virtual Wallet® features to manage their money. Virtual Wallet® with Performance Select.PNC checking accounts with Virtual Wallet® Read on to find out more about all of PNC’s checking account offerings: If earning the highest interest rates possible (with the least amount of fine print and fees) is your goal, there are much better checking accounts elsewhere. They also don’t pay much interest, if any. These accounts carry a lot of red tape and fees. Some checking accounts do come with discounts, but they’re mostly on more obscure banking products you probably aren’t going to use much anyway, like cashier’s checks or safety deposit boxes. Furthermore, once you do earn those rewards points, you have to redeem them through another portal. There’s no way to know whether you’ll earn good rewards, since you have to log into a portal and manually activate them ahead of time. The rewards structure for these checking accounts is confusing. But you can still get access to budgeting tools and savings apps elsewhere that can do all the same jobs as the Virtual Wallet®. The only advantage of using them is that you get access to the Virtual Wallet® account package, which actually does offer some nice money management tools. PNC Bank’s checking accounts are, overall, pretty lackluster. Savings Engine : Automatically puts money into savings when you’re paid, or if you pay a bill.Early closure fee: $25 if you close the account within 180 days of opening.Wish List : Allows you to set up and track individual savings goals separately from each other.Punch The Pig : Gamifies your savings when you hit a pig icon to transfer money to your Growth account.The Virtual Wallet® even makes it easier to save in Reserve and Growth savings accounts with the following features:
PNC VIRTUAL WALLET FREE
Money Bar : Shows you how your money is divvied up: savings, scheduled for bills, or free to spend.Spending Zone : Allows you to set up and track your spending in a budget.Danger Day : Shows you when you might run out of money for the month.Online bill pay : Will pay your bills for you automatically on their due dates.
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PNC Bank’s student Virtual Wallet® PNC Bank’s Virtual Wallet®