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@PNCBank_Help. Banking on the Go. We have tools to help you bank when and where you want. Mobile Apps Directory». Stay Connected. Social Media Directory». From simple automated calls to SMS alerts to the mobile apps we have today, mobile banking has truly come a long way. Visit our Cookie Consent tool if you wish to opt back in. Open Preferences. PNC reports from social media. @Jnwii4 @PNCBank_Help.

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PNC Mobile Banking

Common PNC Mobile Banking App Problems and Troubleshooting Steps

✅ How to fix black screen / white screen (blank screen) issue / app crash issue in PNC Mobile Banking?

Black/White Screen is one of the most common problem in mobile phones and tablets. Usually when you open an app, you will see a black screen for few seconds and then app will crash with or without an error message. There are few ways to fix this problem.

  1. Most of the times, it might be a temporary loading issue. You just need to press the recent applications menu (usually the first left button) in your phone. Then you close the app that has this issue. Now open the app again. It may work normally.
  2. Try what is the capital of wyoming cheyenne restart your iPhone / iPad. Press the power rockland federal credit union mansfield ma hours button for few seconds and then choose restart from the menu to restart your device.Now you can try opening the app, it may work fine.
  3. If none of the above working, you can wait till your phone battery drains and it turns off automatically. After that put it to charge, and press the power button. It may work after this.
  4. Finally, if you can't fix it with anything, you may need to uninstall the app and re-install it. iOS usually provides an option to restore settings and content from iCloud backup, if you've enabled it previously.
  5. Even in some rare cases, the re-install step also don't work. If that is your case, try installing older versions of the app. Good luck!

✅ PNC Mobile Banking app is not loading or not working properly (loading error / server error / connection error).

There are few situations that may cause the load issue in mobile apps.

  1. The PNC Mobile Banking app server may be down and that is causing the loading issue. Please try after few minutes.
  2. Your wifi / mobile data connection not working properly. Please check your data connection.
  3. Too many users using the app at same time. Please try after few minutes.

✅ How to solve PNC Mobile Banking login issue or account related issues.

If you have login or account related issue, please check the following steps.

  1. The PNC Mobile Banking server may be down and that is causing the login/account issue. Please try logging in after few minutes.
  2. Your wifi / mobile data connection not working properly. Please check your data connection.
  3. You may be trying with wrong login credentials. Please confirm the details that you are entering is correct.
  4. If you're using third-party social networks to login such as facebook, twitter, google etc, check whether that service is working properly by visiting their official website.
  5. Your account may be banned or deactivated for activities. Please read error messages.

✅ How to solve PNC Mobile Banking app installation issues.

  1. Check your wifi / internet connection for connectivity.
  2. Please check your mobile storage space. If you don't have enough space in your disk, the app can't be installed.
  3. Verify that the app you're trying to install supports your iOS version.

✅ PNC Mobile Banking app is not updating properly in my phone.

  1. Please check your wifi / mobile data connection and verify that it is working properly. It may be down and stopping you from updating the PNC Mobile Banking app.
  2. Confirm that you have enough storage space in your phone to download updates. If you don't have enough storage space, it can be blocking the app updates.

✅ Are you facing audio / video loading problem with PNC Mobile Banking.

  1. Check your phone volume if you have audio problems.Try to use headphones to find out whether it is an issue with your speakers or with the app.
  2. If you've apple ipad pro 1st generation keyboard loading problem, please check your internet speed and wifi connectivity.

✅ PNC Mobile Banking app notifications are not working properly.

  1. Go to your Settings->Notifications->PNC Mobile Banking and check whether notifications enabled or not. If it is not enabled, please enable it.
  2. Also if you don't get notification alert sounds, re-verify that you don't accidentally muted the app notification sounds.

PNC Bank Virtual Wallet Account Review

PNC Bank Virtual Wallet

Your search for a new checking account has led you to PNC Bank, one of the many options available.

Its Virtual Wallet account is one that you may be interested in -- but it isn't like the rest.

In this review, we break down the key highlights of this unique account that delivers your traditional checking account needs in addition to a touch of smarter money management.

Find out:

  • How it can help you manage money better
  • All the fees involved
  • The factors that you should consider when picking any checking account

A Budget-Focused  Checking Account

PNC Virtual Wallet Pros & Cons

  • Money management features
  • Debit card rewards program
  • Mobile banking apps available
  • Monthly fee (can be waived)
  • Interest rates are very low

Let's face it

Dealing with multiple bank accounts can be complicated and tedious.

You have to open a checking account to handle your income and expenses and a separate savings account for the money you want to set aside for the future.

Things would be much easier if you could keep all your money in the same place.

The PNC Virtual Wallet lets you do this by combining a savings account and checking account into one Virtual Wallet.

In fact, when you open a Virtual Wallet account, you’re actually opening three different accounts.

Here's how they break down:


This account functions like a standard checking account.

You can deposit your paycheck and other income to the account.

You can then use your debit card, checks, or bill pay services to spend money out of the account.


This account is designed to hold your short-term savings.

You might want to save for a down payment on a car, a nice vacation, or some other expensive purchase.

Your Reserve account lets you keep the money you’ve earmarked for that goal separate from your spending cash. That can make it easier to track your progress towards your goal.

It also functions as your overdraft protection account. If you would overdraft your Spend account, money will be moved from your Reserve account, free of charge.

That lets you avoid painful overdraft fees.


This account functions just like a savings account, offering long-term storage for cash.

You’ll earn interest on the balance in your Growth account, with an elevated interest rate for the first $2,500 you deposit.

To earn that elevated rate, you must one of the following requirements:

  • Make five purchases with your Virtual Wallet debit card or PNC credit card
  • Receive $500 in direct deposits

Manage Your Money with Helpful Tools

On to some help tools:

The Virtual Wallet aims to be a one-stop shop for all your financial needs, including the need to keep track of your money.

When you log in to your Virtual Wallet account, you’ll find these nifty features:

Money Bar

This bar gives you a quick view of how your money is allocated.

It is split into three sections:

  1. Indicates the money that has been allocated for bills and other payments
  2. Shows the money you have available to spend
  3. Shows the cash you have in your Reserve account.

This can give you a clearer view of how much money you have available to spend than you’d get from simply looking at your account balance.


You can also view a calendar to see when you have bill payments scheduled.

What's very helpful:

If your account will be in danger of being overdrawn due to a low balance, the days where that is a danger will be marked in red.

This Danger Day feature helps you plan ahead for times when your account’s balance will be low. You’ll have plenty of time to adjust your spending or move cash from your Reserve or Growth accounts.

Of course, for your Virtual Wallet account to know when your bills are due, you’ll have to give the account that information.

And, the kicker:

The account comes with a built-in spending and budgets tool that helps you plan and track your spending to make sure you’re staying on track.

ATM Access

PNC operates a large ATM network but focuses largely on the eastern United States.

Maryland, Washington D.C., New Jersey, Pennsylvania, Florida, Michigan, Indiana, and Ohio have the largest concentration of ATMs.

There’s no fee to use an ATM on PNC’s network, but you will have to pay a fee if you use another bank’s ATM.

PNC charges $3 per transaction if you use another bank’s ATM anywhere in the U.S. or Canada. If you use an ATM overseas, the charge is $5.

Note: This charge is in addition is corn fed beef good for you any fees charged by the ATM’s owner.

If you live in bmo business account online banking area that is well-served by PNC’s ATM network, you won’t face much trouble.

If you ever travel outside open pnc app the areas served by PNC, you may have to deal with hefty fees to access your cash.

Elevated Interest Rates if You Meet Requirements

The Virtual Wallet’s Spend and Reserve accounts don’t offer any interest, but the Growth account lives true to its name.

You can earn interest on the money in your Growth account, and additional interest on the first $2,500 you deposit.


To earn the elevated rate, you must use your debit or PNC credit card five times or receive $500 in direct deposits in one month.

The bad news is that the rate you’ll earn, even if you meet those requirements, is much lower than the rate you’ll get from other savings accounts, especially online savings account.

Monthly Fee

There is a $7 monthly fee to keep the PNC Virtual Wallet account open. You can waive the fee by meeting craigslist south san jose ca of the following requirements:

  • $500 combined average balance in your Spend and Reserve accounts
  • $500 in direct deposits to your Spend account
  • Account holder is age 62 or older
  • Account holder provides proof of enrollment in an education institution

Other Fees

The most common fee you’ll face from a checking account is the monthly maintenance fee.

Many checking accounts charge this fee, but let open pnc app avoid it by jumping through a few hoops.

Even if you can avoid the monthly fee, you might want to be aware of the other fees that you may be charged:

PNC Bank Virtual Wallet Account Fees

Monthly Maintenance Fee$7
Overdraft Fee$36
Returned Item$36
Stop Payment$33
Deposited Item Returned$12
Domestic Wire Transfer (incoming)$15
International Wire Transfer (incoming)$15
Cashiers Check$10

How Does It Compare?

Checking accounts are the most common type of bank account in the United States.

Savings accounts are the second most common.

Having both in one Virtual Wallet account makes it somewhat difficult to compare the Virtual Wallet to other accounts.

Still, you should consider all of your options.

The convenience of having both in one account may not be worth passing up on features offered by other banks.

When you’re looking for a new bank, don’t just consider large national or regional chains.

Look into smaller local banks and credit unions.

Online banks tend to excel at offering low fees and high interest rates.

The fact is.

These types of institutions tend to be able to offer better deals that meet the needs of customers.

Overall, you should consider the following factors when comparing bank accounts.

  • Minimum deposit requirements
  • Fee waiver requirements
  • Interest rates
  • ATM access

The Final Verdict

The PNC Virtual Wallet is a highly unique bank account that combines a checking account and savings account into one.

That means the account is a one-stop shop for your daily financial needs. It can make it much easier to track your money and save for goals.

However, the account does have flaws, such as hefty ATM fees and poor interest rates on the Growth account.

If you want to bank with PNC, the Virtual Wallet is a good choice of account.

If you don’t mind having separate checking and savings accounts, an online bank may be a better choice.

You’ll have a better chance of avoiding ATM fees and earn more interest on your savings.

Continue Reading


What PNC has in mind for BBVA's technology

BBVA USA has been known over the years for its investments in forward-looking technology, including a $362 million real-time core system, its $117 million acquisition of the neobank Simple, and investments in the digital business bank Azlo and open banking initiatives.

But now BBVA is being sold to PNC Financial Services Group, and PNC has indicated that it's planning significant cuts from BBVA's expenses, particularly in technology. Question, which technology will PNC keep and what will it jettison?

The $445 billion-asset PNC announced in mid-November it had agreed to buy the U.S. unit of Madrid-based BBVA for $11.6 billion. BBVA USA has $104 billion of assets and is headquartered in Houston.

PNC is buying the U.S. subsidiary of BBVA for $11.6 billion.

PNC, of Pittsburgh, expects to achieve cost savings in excess of $900 million, or about 35% of BBVA USA's annual noninterest expenses, by 2022, largely through operational and administrative efficiency improvements. Technology is one area where PNC expects to find significant savings, Robert Reilly, its chief financial officer, said during a Nov. 16 investor call.

It’s normal for an acquirer to fold a seller’s technology into its infrastructure, said Sam Kilmer, senior director at Cornerstone Advisors.

In the investor call announcing the merger, PNC Chairman and CEO William Demchak said the combined company will run primarily on PNC's infrastructure. For instance, PNC is expected to keep its existing core system and it is not buying BBVA's data centers.

“We’re going to be able to onboard virtually all of what they do into our technology platform,” Demchak said. “We literally are going to lift and shift into a scalable PNC platform that effectively takes that total cost down to nothing. On the application side, with few exceptions, we'll port the data onto our applications."

Acquiring companies tend to think their technology is better than that of the company they’re buying, said Peter Wannemacher, principal analyst at Forrester. He also surmises that PNC wants the technology integration to happen quickly.

“You don't want to open pnc app it so quickly that it violates compliance or things like that,” Wannemacher said. “But it may be that PNC is thinking it's better to integrate fast and then upgrade as they need to.”

Demchak said BBVA USA has some client-facing technology that would be worth keeping. Though he didn’t specify which applications these were, the front-end applications he referred to may include Simple, which BBVA bought in 2018, and Azlo, the digital bank for small businesses that was developed within BBVA USA and is majority owned by it. A BBVA USA spokeswoman confirmed that PNC will acquire Simple, Azlo and Open Platform.

“They've been heavy investors in technology, largely on the digital side,” Demchak walmart asurion sign in. “On the front-end side to clients, they have some really attractive products that probably haven't been brought to scale yet that we can help with. Those products will come over into our environment. But that's an easy lift and shift as well.”

Asked for more specific details about post-merger technology plans, a PNC spokeswoman said, “It is just too early for us to be able to comment on these specific details as the transaction is subject to customary closing conditions, including regulatory approval, before it is completed. We expect the transaction will close in mid-2021, with many steps to go in the process.”

Dropping the Alnova core

The fact that PNC is bringing BBVA USA’s data into PNC’s applications strongly suggests that PNC won’t be using the real-time Alnova core system BBVA co-developed with Accenture and deployed in 2012. At the time, it was heralded as one of the very few real-time bank transaction engines in the U.S.

Todd H. Baker, a senior fellow at Columbia University’s Richman Center for Business, Law & Public Policy, said that dispensing with BBVA USA’s core systems makes sense given PNC’s cost-cutting goals.

“Once you make the decision that you're going to retain your own core systems and not theirs, then you have to evaluate everything that ties into that core and say to yourself, 'I'm going to have to convert this to interact with my core; is that worth doing?' ” Baker said. “PNC didn't buy BBVA USA for its technology. There were some nice things like Simple and Azlo that they might be able to make more valuable across cox login pay bill larger footprint. But they didn’t buy the bank because they thought that its software was better."

The Alnova core enabled Open Platform to be built on top of it, said Shamir Karkal, who at the time was in charge of Open Platform, a unit of BBVA USA that provides application programming interfaces and help to companies that want to embed banking services in their offerings. This would include technology companies that want to offer electronic payments, for example. (Karkal was also one of the original co-founders of Simple and is now the CEO of Sila, a fintech he co-founded that helps other fintechs quickly develop technology for Know Your Customer and Know Your Business compliance, as well as other services.)

The Alnova open pnc app is unusual in that it supports real-time, rather than batch transactions. This can be helpful in providing an accurate picture to customers of where their funds are and in offering real-time payment services, such as the ability for insurance companies to disburse funds to disaster survivors immediately.

But Kilmer pointed out that many banks don’t support real-time transactions and are fine with that.

“They’ve figured out a way to fake it,” Kilmer said, with memo posting and other methods of communicating about transactions during the day, even if the transactions are processed in a batch overnight.

And many banks don’t want their commercial banking transactions to clear instantly because they need to go through a review process, Kilmer said.

What’s the future for Simple and Azlo?

With Simple and Azlo, BBVA ran into the challenge many banks face when they introduce digital-only brands: fear of cannibalizing their existing business lines.

“It's very hard within an organization to build support for products and processes that essentially undercut existing cash-cow businesses,” Baker said. “Companies know those cash cows aren’t going to last forever,” but in the meantime they fuel the earnings that deliver executive bonuses.

“Simple was the leading neobank when it was bought by BBVA,” Baker added. “It’s still a good app and it provides a lot of capability . but unless it’s freed to pursue an independent path to profitability, it's going to be hard for Simple not to fall into the same kind of limbo land at PNC that it ended up in at BBVA.”

The challenger banks that have been successful, like Chime, have a few things in common, Kilmer said.

“They typically have a dedicated entrepreneur, their own identity and their own marketing,” he said. “It’s not a technology problem at all. It's a cultural problem and it's predominantly one of accountability and energy.”

For digital-only brands to work within banks, they need to be separate entities with independence and leadership, Kilmer said.

“Digital is not a channel to Chime or Varo, it's what they do,” Kilmer said. “In any U.S. bank, the digital channel is one of many things they do.”

PNC has its own digital bank offering, Virtual Wallet, and it may want to support that app more heavily than Simple.

Some industry observers say Simple, Azlo and Open Platform are valuable assets for PNC and, with the right support, any one of them could grow to be worth more than BBVA USA itself. For instance, if Simple could expand its user base into the millions, the way Chime has, it would be profitable.

“Chime is at a $15 billion valuation,” Karkal noted. “That's more than BBVA [is being] acquired for. The thing for PNC to think through, I think, is that the old world is dead. Nobody's walking into branches. Are they going to come back in droves in 2021? I doubt that.”


PNC Bank

PNC Bank offers student and workplace banking, as well as financial literacy programs for students, faculty, and staff. Additional highlights of our partnership include:

Virtual Wallet Student® for Student Banking with PNC

Virtual Wallet Student gives students the resources to help keep track of their money both on and off campus. Take control with simple easy-to-use interactive tools. Check balances, make payments, and more – all online or through the Virtual Wallet® app.

For more information, visit

A PNC Bank e-Branch, located in the Leavey Center

This e-Branch is staffed by banking specialists to assist customers with completing transactions. It is equipped with technology to inform and educate customers on Bangor savings bank old town hours products and services.

Seven on-campus PNC Bank ATMs

PNC ATMs are located on campus in Village C, Leo O’Donovan Dining Hall, and Healey Family Student Center. PNC ATMs are also located in the School of Continuing Studies and Law Center. Additional ATMs and branch locations can be found using PNC’s branch and ATM locator.

GOCards linked to PNC accounts

Linking the Georgetown GOCard to you PNC accounts adds ATM and purchasing functionality to the Georgetown One Cards.

Support to international students opening Open pnc app. bank accounts

Students will have access to U.S. banking educational materials, translation services, and one free international wire transfer per month. More information can be found on PNC’s international student website.

Access to PNC My Finance Academy

PNC wants you to have the knowledge and confidence to manage your money. That’s why PNC created the PNC My Finance Academy. My Finance Academy provides information and real-world insights for everyday financial challenges. My Finance Academy can help you understand financial basics and make the most of open pnc app money.

With PNC WorkPlace Banking, you gain access to money-management tools that fit your schedule and lifestyle. The time-saving PNC WorkPlace Banking allow you to spend time on what you do best: motivating others. Learn more about PNC WorkPlace offers and program.

Student award winners recognized during a Georgetown basketball game

Link your PNC bank account, complete account applications, manage finances, and find financial and educational information.

PNC Financial Agreement

PNC Virtual Wallet

PNC Virtual Wallet Fine Print

PNC Virtual Wallet Student Form

PNC Virtual Wallet Features and Fees

DOE Cash Management Rule 34 CFR 668.161-668.167

Virtual Wallet Student is a registered trademark of The PNC Financial Services Group, Inc.
© 2019 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC



Minimum deposit to open


Fee$0 per month
Minimum deposit to open$25
ATMsapproximately 2,300 locations and nearly 18,000 PNC and Partner ATMs
ATM transaction fee$0
ATM fee rebates$5.00 reimbursement per statement period
Out-of-network ATM fee$3
Overdraft fee$36
  • Mobile/remote check deposit

Review by

Michael Benninger

[email protected]

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

PNC Virtual Wallet Student Checking account is a decent fit open pnc app kids age 14 and up as it comes with both checking and savings capabilities. But they can only keep their account for up to six years before it converts into PNC’s standard Virtual Wallet account. Once that happens, they’ll pay $7 a month unless they are able to meet certain balance or eligibility requirements.

If you’re looking for an account where your child can boost their savings and spending, consider Alliant Credit Union Free Teen Checking account, which earns 0.25% and you won’t have to worry about a monthly fee or opening deposit. Plus, you can also open an Alliant Kids Savings Account, which will give your child a chance to earn 0.55% APY.

You can open a Virtual Wallet Student account at a PNC branch or online by following these steps.

  1. Go to the provider’s site and follow the steps to apply.
  2. From the off the grid homes for sale in east tennessee page and select Checking.
  3. Under the Virtual Wallet Student heading, choose Apply now.
  4. Tell PNC whether you’re older or younger than www myonlineaccount net login years of age. If you’re younger than 18, you’ll need a co-applicant.
  5. Fill out the student’s information and hit Next.
  6. Enter the co-applicant’s information and select Next.
  7. Both the student and co-applicant must review and agree to the terms and conditions.
  8. Create a PIN and hit Open account.


To open this account, you must meet the following criteria.

  • At least 18 years old
  • US citizen or resident alien
  • Your child must be at least 14 years old and a high school or college student

Required information

Provide the following information when opening your account.

  • Full name
  • Date of birth
  • Email address
  • Physical address
  • Phone number
  • Social Security number
  • Details from a government-issued ID

Here are the primary open pnc app associated with the Virtual Wallet Student Checking account from PNC.

  • No monthly fee. There’s no fee for up to six years as long as you’re minimum 14 years old and remain enrolled in high school or college.
  • Fee reimbursements. PNC waives your first overdraft fee and will reimburse two out-of-network ATM fees per month.
  • Low Cash Mode. This feature helps you avoid overdraft charges by giving you 24 hours to bring your balance back to $0.

There are also a few drawbacks associated with PNC Virtual Wallet Student Checking that you should consider before opening an account.

  • Limited locations. PNC has nearly 2,300 branches, but they’re only in 23 states.
  • Converts to an adult account. After six years, the account will automatically convert into PNC’s standard Virtual Wallet account, which has a $7 monthly fee that you can only avoid if you keep at least $500 in your Spend and Reserve account or deposit at least $500 a month.
  • Low APY. Although PNC Virtual Wallet Student Checking comes with two interest-bearing savings accounts, you’ll only earn 0.01% APY in each of them.
  • Some fees. PNC charges a $25 fee if you close the account within 180 days of opening it and it charges $7.50 to replace your debit card if your kid loses it.
  • Checks open pnc app free. This account includes check-writing abilities, but checks aren’t free. A pack of 80 will cost you around $20.
PNC Virtual Wallet Student Checking account comes with a debit card you can use for free at any of the 3,600 ATMs in PNC’s network or any of the 55,000 ATMs in the nationwide Allpoint network. You can also complete ATM transactions at most PNC ATMs by using the PNC smartphone app instead of your debit card.

If you use your debit card at an ATM in the US, Canada, Puerto Rico or the US Virgin Islands that’s not operated by PNC or Allpoint, PNC imposes a $3 fee. PNC’s fee is $5 for using ATMs in other countries. However, PNC will reimburse the first two domestic or international ATM fees it charges in each statement period. It will also reimburse up to $5 in ATM surcharges imposed by other financial institutions each billing cycle.

Compare other student accounts by monthly fee, minimum opening deposit and ATMs.



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