![]() Virtual wallets (savings and checking accounts rolled into one).PNC Bank boasts a wide swath of financial products and services, as you might expect from one of the largest financial institutions in the U.S. Those who want to bank with a long-standing, established institution.Anyone who prefers to step into a brick-and-mortar location and talk to a human because this bank has locations in 28 states and the District of Columbia.Those who want a one-stop shop for banking and financial services.Those who want to open both a savings and checking account with a single bank.PNC Bank could be a particularly strong fit for some individuals: Stand-alone checking and savings accounts are offered, but the Virtual Wallet seems to be the de facto type of account, according to PNC's website. Its Virtual Wallet offers three accounts rolled into one: “Spend" is a primary checking account, “Reserve” is an interest-earning checking account and “Growth" is a savings account. PNC’s unique ecosystem for its deposit accounts can be confusing. Harder to open a stand-alone account: PNC takes a slight departure from standard banking products in how it packages its deposit accounts.Wide range of products and services: PNC offers everything from student loans to auto loans to wealth management to life insurance in addition to deposit accounts.This might include being reimbursed for several specific ATM fees per statement cycle or receiving up to a certain amount in ATM fees back. ATM fee reimbursement: You can either have your non-network ATM fees reimbursed or have them dropped altogether depending on which type of deposit account you sign up for.You can earn either $50, $200, or $400 when you sync your account with a qualifying direct deposit, or other by meeting other requirements, depending on the type of account. ![]() ![]() Sign-up bonuses for deposit accounts: Sign-up bonuses are more common with credit cards and business accounts, but PNC offers one when you open a Virtual Wallet.
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