Learn everytning you want on VirtualWallet PNC Bank Virtual Wallet 3 accounts in one, it has a checking account, short term saving (interest rate .1%), long term savings (current interest rate of 1.75%). Interest rate will vary based on location.
Open a new VirtualWallet account, must initiate Payroll Direct Deposit of at least $400 within 60 days. Early closure fee of $25 within 180 days of account opening. I assume a hard credit check due to Visa Check Card.
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I opened a PNC account in early August. As of then, not only did they not do a hard inquiry, but you could also use your credit card to fund the account up to $2000. The charge was processed as a purchase. Oh! And that credit card purchase counted as a DD to trigger the bonus.
Message edited by: pareto on 2009-09-09 00:53:53 CDT
pareto said:I opened a PNC account in early August. As of then, not only did they not do a hard inquiry, but you could also use your credit card to fund the account up to $2000. The charge was processed as a purchase. Oh! And that credit card purchase counted as a DD to trigger the bonus.
byram said:pareto said:I opened a PNC account in early August. As of then, not only did they not do a hard inquiry, but you could also use your credit card to fund the account up to $2000. The charge was processed as a purchase. Oh! And that credit card purchase counted as a DD to trigger the bonus.
tenken said:green! thanks for the heads up, 100 bonus + 40 Cash Back from schwab card 2000$ initial deposit
I tried 3k but it was too much so went for the 2k tran and it went all though. I don't have the schwab card and get my 1.25% with the Chase Freedom so $25 is ok. Maybe this will pop in my most used category to get me 3% - wishfull thinking. Thanks OP.
I just now inquired about the credit card funding to the account and the rep was telling that it will treated as cash advance. Has something being changed recently?
mgupta001 said:I just now inquired about the credit card funding to the account and the rep was telling that it will treated as cash advance. Has something being changed recently?
They may not know, It was not shown on the funding page that it would be considered a cash advance and parento did have it count as a purchase. I might call chase to have any Cash Advance canceled that shows on my account or have that option blocked?
Message edited by: DamnoIT on 2009-09-09 11:31:19 CDT
Any tips for triggering the bonus without DD? I just opened the account because... well, I always liked the way Virtual Wallet is implemented. I just saw that THEY charge you for taking money out of a non-PNC ATM, however, and I no longer want the account. I'll happily take the bonus, though, and happily swallow the "25 dollar early termination" charge.
"Offer available to new PNC Bank checking account customers only who must open the account using the on-line application." To be considered as new customer by PNC bank, how long do we have to wait after closing a checking account ?
BhartiShah said:"Offer available to new PNC Bank checking account customers only who must open the account using the on-line application." To be considered as new customer by PNC bank, how long do we have to wait after closing a checking account ?
Better yet what are the min balances required for checking and the virtual wallet?
DamnoIT said:BhartiShah said:"Offer available to new PNC Bank checking account customers only who must open the account using the on-line application." To be considered as new customer by PNC bank, how long do we have to wait after closing a checking account ?
Better yet what are the min balances required for checking and the virtual wallet?
I don't believe there are any minimum balance requirements.
SPEND is your primary checking account. If you write checks, 3 will be
processed for free each statement period, after that there’s a $0.50 fee
for each additional check.
Wow, $.50 for each check written after the first 3 in a statement period? Why would anyone want to use this is their primary checking account? I guess the bonus is the only draw here.
Message edited by: montee4 on 2009-09-10 05:59:11 CDT
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