Very confusing piece of garbage. You have the money in the accounts and if its not in the right one you get overdraft fees. I have been banking for over 40 years and this is the worst thing I have ever seen. PNC really needs to get rid of this garbage.

bmanblh

Bethlehem pa

I have been a user for over three years and have never wanted to switch, a convenient and secure way of managing money. The web app isn't always the fastest but it is well designed and gets the job done. The mobile apps are satisfactory and incredibly convenient. Funds can be transferred, bills can be paid, and activity can be viewed all on the go. There are also options for budgeting which I have not used but look useful. My favorite experience with Virtual Wallet has been when I received my PNC CashBuilder Credit Card it was automatically integrated with my VirtualWallet account and I can see credit card purchases and pay my bill without ever logging into a different service or receiving a single piece of mail. Virtual Wallet has been really great for me, I feel that the ease of use and availability of information it provides has helped me to learn about the value of money and exactly how much I have and am spending.

AaronH3

USA

PNC is a goo bank, their Virtual Wallet is very complete.  A little slow to upload, but hopefully it will be updated.  Get all your banking, earn points paying your bills, change your points for gift cards.  See your payment schedules.  Everything in one page.  Very organized.  Get updates when your transactions are received. 

sandritaf

Pompano Beach, FL

See that colorful bar there? That, my friends, is the easiest way to save money that I have ever found. Take control of your finances with PNC Virtual Wallet!I switched to PNC a few months ago because I was unhappy with Citizens Bank. With this virtual wallet, I can see just how much money I have left, after all the bills are paid - with just a glance at that cute little bar.On payday, my checks are deposited. I then go in, and either pay bills, add checks I wrote that have not yet cashed, and add any bills that I have already scheduled. Then though that little bar, it tells me how much total money was deposited, what funds are scheduled out and what is "free" to be spent!! It also shows me how much I have in savings, and how much I have "reserved."What does "reserve" mean, you wonder? Well, let's say I was saving up for a new flat screen tv. I can add that to my "wishlist" and reserve money for it each pay. That reserve money is stashed, and you can't use it! Well, you can use it if you want, but as long as it's in the "reserve" account, it won't count toward you "free" money. On that cute little bar there, is a slider. You can slide as much of you "free" money into your "reserve" as you want, and can just as easily slide it back to "free." I think it's ingenious!!PNC Virtual Wallet also offers you the chance to "punch the pig." You can set up the account so that when you are paying bills, the pig will randomly pop up. If you choose to punch the pig, you can then transfer whatever amount you wish into your savings account (which gets interest!). I have found that when paying bills, I will round up to the next dollar, add that to the pig and watch the savings grow. It's a virtual piggy bank!!Right now, I am waiting on my water bill to be cashed, that I sent last week. How do I know I won't overdraw my account? Because the bar tells me I have the amount of the water bill as scheduled out until next payday, and my "free" money is already calculated as if the check were cashed.  It's virtually impossible to overdraw (but could still happen, responsibility is key!).My one little complaint about the Virtual Wallet is that when you add a check you have written, it shows in the scheduled out box. When that check is cashed, it shows up in your account activity. So temporarily you're "free" money is depleted because it technically counts the check twice (once as being cashed, and once as being scheduled). But once the check completely clears, it really has only counted one, and the scheduled out check is removed. I know it sounds a little confusing, and it is to me as well. The other part of this little complaint is that you can add a "pre-authorized debit" to your account. For example, my last paycheck was November 19th (or whatever that Friday was). I had scheduled my cable bill to come out November 23rd, so I added it to my calendar so I wouldn't forget. The calendar showed my Verizon bill as coming out on the 23rd and was calculated into my scheduled out so I knew how much money was "free" until next pay. However, because the payment was NOT taken out on the 23rd as PNC expected (because I said so), the "pre-authorized" debit was removed from my calendar and that money then became part of my "free" money. I know this is not the case, and in order to know how much money is truly "free," I have to keep adding the Verizon payment over again until it finally comes out. I think PNC should keep whatever you add, until it comes out no matter the date.But even with those 2 small complaints, I overall love PNC Virtual Wallet and I am SO glad I made the switch.

morningangel513

Crescent, PA