PNC Bank Virtual Wallet $100 to $400 Bonus Guide: Spend, Reserve & Growth

PNC Virtual Wallet: Three Accounts in One

PNC's signature product is the Virtual Wallet, which packages three separate sub-accounts into a unified dashboard:

• Spend: Primary checking for daily bills and debit spending.
• Reserve: Secondary checking with interest for short-term goals.
• Growth: High-yield savings for emergency reserves.

PNC structures its promotional bonuses based on the level of Virtual Wallet product you select.

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PNC Bonus Tiers & Direct Deposit Requirements

| Tier | Account Option | Direct Deposit Required | Cash Reward |

| :--- | :--- | :--- | :--- |

| Basic | Virtual Wallet | $500+ | $100 |

| Mid-Tier | Virtual Wallet with Performance Spend | $2,000+ | $200 |

| Top-Tier | Virtual Wallet with Performance Select | $5,000+ | $400 |

*Qualifying direct deposits must be received within 60 days of account opening.*

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How to Waive Monthly Fees

• Virtual Wallet ($7/mo): Waived with $500 monthly direct deposits or $500 average combined monthly balance.
• Performance Spend ($15/mo): Waived with $2,000 monthly direct deposits or $2,000 average monthly balance.
• Performance Select ($25/mo): Waived with $5,000 monthly direct deposits or $5,000 average combined monthly balance.

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Bank Bonus Churning Tips for PNC

PNC permits customers to earn a new bonus every 24 months. Furthermore, PNC allows easy online opening and funding via credit card in certain jurisdictions (up to $250, coding as a purchase on many cards).

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