Various programming techniques for nonvolatile memory involve programming a memory cell relative to a target threshold level. The process includes initially programming relative to a first verify level short of the target threshold level by a predetermined offset. Later, the programming is completed relative to the target verify level. For verifying with the first verify level, a virtual first verify level is effectively used where the target threshold level is used on a selected word line and a bias voltage is used on an adjacent unselected word line. Thus, the verify level in a first programming pass or programming phase is preferably virtually offset by biasing one or more adjacent word line instead of actually offsetting the standard verify level in order to avoid verifying at low levels.