Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do: (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

PNC Virtual Wallet

  • Filter
  • Time
  • Show
Clear All
new posts

  • PNC Virtual Wallet

    I haven't been here in ages, but I had to come back to share the single greatest finance tool I've discovered since my BK. Disclaimer: I am NOT a PNC Bank employee. I am just super excited and did a lot of research.

    I've been with the same local bank since 2002 and was never really satisfied with them. Online banking only showed transactions after they posted - no way to see what was pending - and I got hit with a lot of fees. The bank also held my paychecks until Monday, while coworkers using other banks got paid on Saturday. Even after BK, when I got serious about managing my money, I paid way too many overdrafts because I don't keep up with a checkbook ledger like I should. My own fault, yes, but I thought there had to be a better way.

    I started researching checking accounts last month and came across PNC's Virtual Wallet. At first glance, it seemed gimmicky and geared toward teenagers, but when I actually read the information it sounded like exactly what I was looking for. I signed up and for the first time in my adult life, I have a (small) balance in my savings account that won't be transferred into checking to cover fees.

    Virtual Wallet is actually a set of three accounts - regular checking (Spend), short-term savings (Reserve), and long-term savings (Growth). They are linked and you see all 3 accounts at once on the website. The Spend account is just like any other checking account - for deposits, paying bills, and debits/checks. The Reserve account allows you to allocate money for specific short-term goals. For example, I want to save a specific amount for next Christmas. You can also hold money for a future expense, like car insurance, and it won't let you spend it without jumping through a few hoops. The Growth account is like any other savings account and gains interest (1% right now, which is pretty even with every other bank in the country).

    So I know you can set up accounts like that with any bank. What makes Virtual Wallet so amazing is the online interface. You see your available balance, but you also see how much of that is actually spendable. Pending transactions show up within seconds of swiping your debit card, and any scheduled bills are already removed from your total. I actually know how much money I can spend at any given time. I can even enter checks I write and it will take that off my balance before the check even clears (I can't tell you how many times I wrote a check, the person didn't cash it for a month, and I totally forgot about it).

    You can set a budget, and any time your spending gets close to the limit you've set for a certain category, you get a warning via text or email. You see all your deposits and withdrawals on a calendar, which also highlights days you could be in danger of overdrawing your account. I love seeing how much is coming out of my account in a visual way - it makes it much more real than a list of transactions.

    Most banks offer online bill pay, but PNC's is way better than my old bank. First, it's free and unlimited, where my bank charged a fee after the first 3 bills. If a bill can't be paid electronically, they'll print a check and mail it before the due date I set. And the payment shows up on my calendar so I don't forget about scheduling it. No more postage. No more visiting 10 different websites to pay bills. And if they don't get it there on time, they pay the late charges. PNC also reimburses ATM fees if your average monthly balance is $2000. (Mine isn't yet, but it will be soon at the rate I'm saving.)

    Another cool feature is Punch the Pig. At random times (or always, if you choose), a little pig icon pops up on the screen. If you click it, you can transfer whatever amount you choose to your Growth account. Mine is set at $1. When I click, the pink oinks, then makes a cha-ching sound. After growing up in the video game generation, it's strangely exciting to click that pig. Also, the same attitude that ruined my finances in the first place ("It's only a dollar!") is now putting a lot of money in savings.

    There is a Virtual Wallet app for iPhone that gives me most of the features of the website, so I always know how much money I can spend. I love being able to pay bills from my phone. When I get the email for a bill (all paperless now), I can immediately schedule it and forget about it.

    I know I wrote a novel and I'm sure I sound like an infomercial, but I am seriously in love with Virtual Wallet. I have always been bad about impulse buying, but now I think before I spend. I went shopping with friends after Christmas and didn't spend a dime except buying lunch, because I was thinking about the things I'm saving for. This bank account has really changed the way I deal with my finances.

    I know I can't be the only one here who prefers a more digital way of doing things. I know there are others who don't keep a checkbook ledger. I know there are people who hate banks and have been eaten alive by charges. I would highly encourage you to read about PNC Virtual Wallet. It may not be right for everyone, but it's definitely worth a look.
    Filed Chapter 7: 9/29/06
    341 Meeting: 11/01/06
    Last Day for Objections: 1/01/07
    Discharged and closed: 1/03/07

  • #2
    I have PNC and was curious about see information on it everytime I log in, but I thought it was a credit card so I never considered it. I currently have a checking/savings with them, how do I set up the virtual wallet? This is something that would definitely benefit me because I too have been hit with massive overdrafts fees and don't update my check register like I should. Can I just call them and set this up?
    341 Meeting:1/5/2011


    • #3
      Several of my friends switched from a regular PNC account, and I think they just called. The account number stays the same. It's definitely worth looking at!
      Filed Chapter 7: 9/29/06
      341 Meeting: 11/01/06
      Last Day for Objections: 1/01/07
      Discharged and closed: 1/03/07


      Unconfigured Ad Widget