The Spend account of a Virtual Wallet (and Virtual Wallet Student) does not earn interest. Spend is your everyday checking account.You have the option to open a checking and savings together (which would be all three), or you can just open the checking account. Note that all of the above Virtual Wallet options include individual accounts that work together: Spend, Reserve and Growth. For current interest rate and APY information, PNC says to call 1-888-PNC-BANK (1-88). The current APY for the PNC Bank Virtual Wallet® and its three tiers (Virtual Wallet, Virtual Wallet with Performance Spend and Virtual Wallet with Performance Select) is unlisted on the bank's website. All three are best for those who want to do all their banking in one place, as they reward you for combining your savings and checking into one. The simple Virtual Wallet has basic account features while the two other options offer more premium rewards. (Each product type's availability may vary by geographic location.)
![virtual wallet virtual wallet](https://www.appstoreapps.com/wp-content/uploads/virtual-wallet.jpg)
PNC customers can choose from these options:
![virtual wallet virtual wallet](https://i1.wp.com/financetechie.com/wp-content/uploads/2020/09/virtualwallet.jpg)
The PNC Bank Virtual Wallet® ranks on CNBC Select's list of the top brick-and-mortar savings accounts because new customers can earn a welcome bonus of up to $200 depending on what type of Virtual Wallet they open. It stands out, however, for offering a savings account option called Virtual Wallet®, which uses innovative online tools to make it easy to see how you're managing your money day to day.
![virtual wallet virtual wallet](https://cdn.punchng.com/wp-content/uploads/2018/10/23073508/wallet.jpg)
With approximately 2,300 branch locations and nearly 18,000 PNC and PNC Partner ATMs, PNC Bank is one of these large brick-and-mortar banks.