To open a stand-alone deposit account, it typically takes anywhere from two to three weeks, and you’ll need to do it over the phone.
Stand-alone checking and savings accounts are offered, but per PNC Bank’s website, its Virtual Wallet seems to be the de facto type of account. You’ll need to sit down and commit to learning the details and getting your head around how it works. Its Virtual Wallet offers three accounts rolled into one: “Spend,” which is a primary checking account “Reserve,” which is an interest-earning checking account and “Growth,” which is a savings account. PNC’s unique ecosystem for its deposit accounts can be befuddling. 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 – Beyond deposit accounts, PNC offers everything from student loans to auto loans to wealth management to life insurance and much more.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 – Depending on which type of deposit account you sign up for, you could either get non-network ATM fees reimbursed or have them dropped altogether.Depending on the type of account, you can earn either $50, $200, or $300 when you sync your account with a qualifying direct deposit. Sign-up bonuses for deposit accounts – While sign-up bonuses are more common among credit cards and business accounts, PNC offers a sign-up bonus when you open a Virtual Wallet.
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