It's not often that a new banking product changes the way consumers talk about money. But it's even rarer that an offering changes the way banks talk about money.

That's what PNC Financial Services Corp. did with its Virtual Wallet and Virtual Wallet Student online personal financial management tools. The money management platform, initially introduced in August 2008, helps consumers to oversee their various accounts with the bank, schedule payments, track spending, hit savings targets, receive alerts if their checking account drops below a certain threshold, and file reimbursement requests. (The student-oriented version came out in June 2009.)

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