It comes with a debit card, unlimited check writing, and free access to 9,000+ ATMs.Ģ. Spend: you can use Spend for daily budgeting, money management, bill pays, and more. Each of these has its own features and benefits:ġ. Spend, Reserve, and Growth are checking, interest-bearing, and savings accounts combined into one product offered by PNC Bank. Free mobile transfers via the Virtual Wallet app.Free Balance tools, including Money Bar® and Danger Days SM, to see how much money you have available for spending or whether you're at risk of going overdraft.Higher relationships rates on savings accounts (need to have a linked Performance Spend Checking or Virtual Wallet with Performance Spend), T&C apply.PNC Purchase Payback® Cashback Program.Free Online and Mobile Banking, including online statements, and Online Bill Pay.Up to $10.00 at the end of the statement period reimbursed for other financial institutions' ATM surcharge fees.Free access to around 9,000 PNC Bank's ATMs.Growth Account balance APY relationship rates: 0.10% (terms and conditions apply).Growth Account balance APY rates: 0.01%.Reserve Account balance APY rates: 0.01%.Spend Account balance APY rates: 0.01%.Monthly fee can be waived if you keep a $2,000 or more average monthly balance in your Spend and/or Reserve OR a $10,000 combined average monthly balance only across PNC Bank consumer deposit accounts you have chosen to link OR $2,000 in qualifying monthly direct deposits to your Spend account.ĭuring the statement period ($1,000 for WorkPlace or Military.The Growth account is also your secondary overdraft protection, in case there's not enough money in your Reserve account when and if you overdraw the Spend. It also offers you tools and resources that help you save more. Growth: you can use Growth to save money, and watch it grow over time, as this account lets you earn interest on your balance. In case you go overdrawn with your Spend account, PNC Bank will use the funds available in your Reserve account to cover the amount.ģ. Once you've saved enough for whatever you might have planned, you can transfer the money to your Spend. The Reserve savings account is also your primary overdraft protection. Reserve: you can use it to set money aside for anything you want - school tuition, travel, emergency, etc.
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