Due to the acquisition of BBVA USA by PNC, I need to understand the checking account options available at PNC. Please identify the three main PNC Virtual Wallet checking account types, their key features, and their monthly service charges. For the basic Virtual Wallet account, specifically detail how its monthly service charge can be waived. Finally, describe how a user can find a PNC branch or ATM using the website.
Navigate to 'bbvausa.com' (which will redirect to pnc.com). Navigate to the 'Checking Accounts' section of the PNC website. Identify the three distinct PNC Virtual Wallet checking account types. For each Virtual Wallet account, list its primary features and monthly service charge. For the basic 'Virtual Wallet' account, click on the 'How to avoid a monthly service charge' link and extract the conditions for waiving the fee. Close any open modal windows. Navigate to the 'Locations' or 'Find a Branch/ATM' section of the website. Describe how a user can locate a PNC branch or ATM based on the information and interface provided on the website. Synthesize all gathered information into a concise answer.
The agent successfully navigates to `pnc.com` (via redirection from `bbvausa.com`). The agent identifies and lists the three distinct PNC Virtual Wallet checking account types: Virtual Wallet, Virtual Wallet with Performance Spend, and Virtual Wallet with Performance Select. For 'Virtual Wallet', the agent states its features (e.g., digital tools, savings goals, mobile banking, Low Cash Mode) and the $7 monthly service charge. For 'Virtual Wallet with Performance Spend', the agent states its features (e.g., digital tools, higher interest potential, some non-PNC ATM fee reimbursements) and the $15 monthly service charge. For 'Virtual Wallet with Performance Select', the agent states its features (e.g., digital tools, highest interest potential, most non-PNC ATM fee reimbursements, no domestic wire charges) and the $25 monthly service charge. The agent accurately states that the Virtual Wallet's $7 monthly service charge can be waived by: $500 in monthly qualifying direct deposits, OR $500 average monthly balance between Spend and Reserve accounts, OR if the account holder is age 62 or older. The agent successfully navigates to the 'Find a PNC Location' page. The agent accurately describes that a user can locate a PNC branch or ATM by using a search bar labeled 'CITY AND STATE OR ZIP' to enter location information, clicking 'Find', and optionally filtering results using checkboxes for 'Branches', 'ATMs', or 'Partner ATMs'.