PNC Bank announced enhancements to Virtual Wallet, the online and mobile money management tool, for budgeting and smart spending as many consumers struggle with their personal finances.
Virtual Wallet is a money management tool for tech-savvy consumers and exempts then from a monthly service charge or minimum balance. Unlike any other personal finance service or bank product, it combines a “Spend” function for everyday banking and bill pay, a “Reserve” account for short-term savings, overdraft protection and a high-yield “Growth” account. Virtual Wallet has averaged more than 3,500 account openings per week this year and has earned numerous awards for design, technology and innovation.
New features
The new functions and features, which are available for both existing and new Virtual Wallet customers, expand the offering beyond the original Generation Y segment to other tech-savvy consumers with broader financial needs.
Highlights of the enhancements, many of which are based on feedback from customers through the Virtual Wallet blog and Twitter account, include:
Budgeting and smart spending
Customers can consolidate their spending methods (e.g., debit card, credit card, online bill payments, etc.) and create budgets for their spending categories (e.g., education, groceries and entertainment) – all in one view. Graphical indicators and opt-in alerts keep them informed about spending and help them follow their budgets, e.g., a yellow icon shows when the budget is close to tehe limit and a burst shows it was overspent.
Credit card tracking
Customers can now add eligible PNC credit cards to Virtual Wallet so they can see a complete picture of this spending in one place. The card balance, available credit and monthly spending history will appear together. Transactions will appear on the calendar function with a “payment due” reminder.
More alerts to avoid mistakes and fees
New alerts help customers keep track
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