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Tuesday, June 14, 2011 - 3:46 PM
(5 stars)
I LOVE My Virtual Wallet Acct!!
PNC Bank, National Association (5 stars)Before I elaborate on my Virtual Wallet with performance spend acct. I have to admit something... I work for a direct competitor of PNC. With that being said this is NOT the opinion of some biased PNC employee.
Also, I have read all of the complaints below and I cannot believe how idiotic some of the people on here are. Are you seriously going to complain about OD fees? Or that your elderly relatives caretaker took them to the bank and they comitted fraud? Or that the ATM doesn't return your card the second after cash is dispensed? I have news for you people, these are idiotic complaints and instead of blaming PNC or whichever bank you will switch to and have the same problems (you will) why not educate yourself on how to not overdraw your acct, or take your lazy ass to a banking center and withdraw your IRA so you can transfer it.
Anyways...
This is the best account set up for someone like myself who is into convienience banking. I almost always use my debit card, have direct deposit, pay my bills online, and have auto transfer from checking to savings. With that being said, I can do all of this and more w/ my virtual wallet. The layout is in the form of a calendar which shows you the full picture for the month, I love this. I also like how easy it is to navigate and manage the multiple accounts that comprise the VW (spend for everyday things, reserve for OD protection/short term savings, and growth for longer term/higher interest savings). Not only do i get a decent interest rate on my growth balances (as of 6/14/11 it is higher than most banks in the Chicago market's shortest term CD special) I also earn rewards points for using my debit card and online banking.
The only improvements I would like to see are: an app for the android mobile phone OS that rivals the Itunes/Iphone version, and real time transaction balance posting like Chase bank does.
All in all PNC created the perfect acct for me and I think many more people such as myself will hopefully catch on to this because it's amazing. It's as if they took everything I could ever want and fold it into a useful interface/acct pkg. I didn't even mention the budgeting tools they provide you with and the ability to ACH transfer money to other accts you may have at different banks or pay someone at another bank, again lifesavers!
If you're into online banking and you like having a complete view of your finances do yourself a favor and check the VW accts out!
Also, I have read all of the complaints below and I cannot believe how idiotic some of the people on here are. Are you seriously going to complain about OD fees? Or that your elderly relatives caretaker took them to the bank and they comitted fraud? Or that the ATM doesn't return your card the second after cash is dispensed? I have news for you people, these are idiotic complaints and instead of blaming PNC or whichever bank you will switch to and have the same problems (you will) why not educate yourself on how to not overdraw your acct, or take your lazy ass to a banking center and withdraw your IRA so you can transfer it.
Anyways...
This is the best account set up for someone like myself who is into convienience banking. I almost always use my debit card, have direct deposit, pay my bills online, and have auto transfer from checking to savings. With that being said, I can do all of this and more w/ my virtual wallet. The layout is in the form of a calendar which shows you the full picture for the month, I love this. I also like how easy it is to navigate and manage the multiple accounts that comprise the VW (spend for everyday things, reserve for OD protection/short term savings, and growth for longer term/higher interest savings). Not only do i get a decent interest rate on my growth balances (as of 6/14/11 it is higher than most banks in the Chicago market's shortest term CD special) I also earn rewards points for using my debit card and online banking.
The only improvements I would like to see are: an app for the android mobile phone OS that rivals the Itunes/Iphone version, and real time transaction balance posting like Chase bank does.
All in all PNC created the perfect acct for me and I think many more people such as myself will hopefully catch on to this because it's amazing. It's as if they took everything I could ever want and fold it into a useful interface/acct pkg. I didn't even mention the budgeting tools they provide you with and the ability to ACH transfer money to other accts you may have at different banks or pay someone at another bank, again lifesavers!
If you're into online banking and you like having a complete view of your finances do yourself a favor and check the VW accts out!
5
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