PNC Virtual Wallet Pro $200 Bonus

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PNC Bank : Virtual Wallet Pro


3.5 score





Offer Expires In

How To Earn The Bonus

  1. Reside in a state that doesn't have a PNC branch.
  2. Open an account using the link below.
  3. Within 60 days, complete direct deposits totaling $2,000.
  4. Bonus will be deposited within 60-90 days after all conditions are met.

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Don't live in a state where PNC has a branch? No worries, PNC is offering a $200 bonus when you open a Virtual Wallet Checking Pro account, which is only available to customers outside their in-branch footprint. Just complete the direct deposit requirements within 60 days. If you're in any one of the following states, this bonus is for you: AK, AR, CT, HI, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, TN, UT, VT, WA, WY.

How To Earn The Bonus

The PNC Virtual Wallet Pro promotion requires you to set up direct deposits in order to earn the $200 bonus (step-by-step breakdown is listed above!).

As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.

The fine print

  • Your Virtual Wallet® Checking Pro must remain open in order for you to receive the reward.
  • New account will not be eligible for offer if any signer has signing authority on an existing PNC Bank consumer checking account or has closed an account within the past 90 days, or has been paid a promotional premium in the past 24 months.

How does this personal checking offer from PNC compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

U.S. Bank

U.S. Bank Smartly® Checking

up to $800
Account Type
Personal Checking
Expires In
24 days
  • Direct Deposit
  • Min Balance (optional)


Citi Priority Relationship Tier

up to $2000
Account Type
Personal Checking
Expires In
35 days
  • Min Balance


Cashback Debit

up to $360
Account Type
Personal Checking
Expires In
Limited Time
  • Card Spend

Why PNC Bank?

PNC Bank is the 7th largest in the U.S., with over 60,000 ATMs and approximately 2,400 physical branches across the country. This includes the former BBVA locations, which they acquired in 2021.

PNC offers "Spend, Reserve and Growth" virtual wallets. Spend is for day-to-day activity, Reserve is for short term planning, and Growth is a long term savings account. A single fee covers the trio of accounts and, like most linked accounts, it's easy to transfer money between the three (plus offers 2-layers of fee-free overdraft protection).

Ultimately, however, PNC isn't our top pick if you're shopping for a new bank. Typical of the big national brands, their interest rates are low in some markets. And while they offer online and mobile banking with all of the major features, their apps feel more dated than competitor products (and definitely more than the tech-based banks).

Virtual Wallet® Checking Pro

Virtual Wallet® Checking Pro is a checking account for those that are in one of the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MA, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, TN, UT, VT, WA and WY.


Virtual Wallet® Checking Pro does not charge a monthly fee.

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There have been 1 comment about the PNC Virtual Wallet Pro $200 Bonus.

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3 weeks ago

PNC has had a $400 available in these states in the past, so you may want to wait for a better offer if you don't need to do this right now.


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Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.