PNC Bank Reviews

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Edited by: Tammy Burns

About PNC Bank

Based in Pittsburgh, Pennsylvania, PNC Bank is one of the largest financial institutions in the U.S. With branch locations throughout 28 states and Washington, D.C., it offers a full suite of retail banking services. PNC is also a major national mortgage lender licensed to originate loans in all 50 states.

Pros
  • Branch locations in 29 states and Washington, D.C.
  • Variety of account options
  • Strong mobile and online banking
  • Some bank bonuses and promotions
Cons
  • Fees on some accounts
  • Interest rates may be lower than competitors
  • Account options and rates vary by location

Helpful Reviews

Plano, TX
Verified purchase
I am extremely disappointed with PNC Bank and how they handled our business account. They closed our line of credit without any acknowledgment or communication. This was a line of...

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Calabash, NC
Verified purchase
A positive customer service experience. Ryan at the Calabash, NC branch went above and beyond my expectations as I navigated through new accounts, setting up a non-profit account,...

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What is PNC Bank?

PNC Bank is a large financial institution that serves customers across the nation. Formed in 1983 after the merger of Pittsburgh National Corporation and Provident National Corporation, it offers both personal and business banking services as well as lending options, credit cards, insurance products, investments and more.

PNC Bank has thousands of branches across 29 states and Washington, D.C. You can reach customer service in person or by calling the support center on weekdays from 8 a.m. to 9 p.m. Eastern time and weekends from 8 a.m. to 5 p.m. Eastern.

How does PNC Bank work?

You can open a PNC Bank account online or in person using your name, address, Social Security number, driver’s license and date of birth. Once an account is open, you can access your accounts through the PNC mobile app or online banking platform, where you can check your balances, view transactions and pay bills.

With PNC Bank, you get access to a variety of services:

  • Virtual Wallet accounts
  • Savings accounts for kids
  • Student banking
  • Military banking
  • Credit cards
  • Mortgages
  • Auto loans
  • Small business banking
  • Corporate and institutional banking

Additionally, PNC Bank offers budgeting and financial management tools to help you stay on top of your finances. Its newly released feature, called “Low Cash Mode,” helps you avoid overdrafts in your Virtual Wallet account.

PNC Bank products and services

You’ll find an array of products and services at PNC designed to help you manage your finances.

PNC Bank checking accounts
PNC Bank offers a suite of checking accounts, most of which are called Virtual Wallet accounts, designed to meet the financial needs of different customers. At the time of publishing, new Virtual Wallet customers can earn a sign-up bonus worth up to $400.

Here’s a brief overview of the different checking accounts offered by PNC Bank:

Virtual Wallet

This account is designed for customers who want a simple checking and savings account with basic features, such as online and mobile banking, free mobile deposits and bill pay. It includes the option to choose either a simple checking account Spend or the checking account bundle that includes a Spend, Reserve and Growth account, both of which earn interest.

Virtual Wallet with Performance Spend

Virtual Wallet with Performance Spend is best for customers who want to earn rewards for their spending. It includes all the features of the basic Virtual Wallet account, plus an interest-earning Spend account and some ATM reimbursements.

Virtual Wallet with Performance Select

Virtual Wallet with Performance Select is ideal for customers who have higher balances and want even more perks. It includes all the features of the Performance Spend account, plus additional benefits, such as higher interest rates, waived fees and higher ATM reimbursement limits.

Virtual Wallet Student

Virtual Wallet Student is designed for students who are enrolled in college. It includes all the features of the basic Virtual Wallet account, plus no monthly service charge for six years from the time of account opening and no overdraft fees for the first overdraft.

Foundation Checking

PNC's Foundation Checking account is designed for those who have had trouble opening a traditional checking account due to past financial challenges. This account is meant to help customers build a positive banking history and transition to a more traditional checking account in the future.

PNC Bank savings accounts & CDs
In addition to PNC’s Virtual Wallet, which comes with its own savings account, the bank also offers:
  • A Premiere Money Market account that earns a higher relationship rate
  • A Standard Savings account with overdraft protection and an auto-saving tool
  • A kids savings account called “S is for Savings,” which features goal-setting tools and financial literacy tips from “Sesame Street”
  • Certificates of deposit (CDs) with terms ranging from seven days to 10 years
PNC credit cards
PNC Bank offers several credit card options, including cash-back and points-based rewards cards and a secured card for those trying to strengthen their credit.
PNC Bank loans
For those needing to borrow money, PNC offers personal loans, auto loans, student loans, mortgages and home equity lines of credit (HELOCs), all with competitive rates and flexible terms.
PNC Bank investment options
PNC Bank provides investment options for customers looking to grow their wealth, including individual retirement accounts (IRAs), brokerage accounts, education accounts, insurance and more.
PNC Bank small business banking
You’ll find five small business checking account options at PNC, ranging from basic accounts for budding entrepreneurs to enterprise accounts for established companies. It also features an impressive lineup of savings accounts, business credit cards, merchant services, loans and lines of credit.

PNC Bank fees

Unless you’re a student, most PNC Bank checking and savings accounts have fees. However, almost all accounts offer ways to avoid fees, such as maintaining a minimum balance, setting up direct deposit or making a certain number of transactions each month.

In addition to monthly fees, here are some common PNC Bank fees you may encounter:

  • $36 per overdraft item (maximum of four items per day; can be avoided with overdraft protection)
  • $3 to $5 per transaction for non-PNC Bank ATMs
  • 3% per transaction for international transactions
  • $15 for incoming domestic and international wire transfers
  • $25 to $30 for self-service outgoing domestic wire transfers
  • $40 to $45 for self-service outgoing international wire transfers

PNC Bank FAQ

Does PNC Bank offer mobile banking?

Yes, PNC Bank offers mobile banking services that allow customers to manage their accounts, pay bills, deposit checks and more through the PNC mobile app.

Does PNC Bank charge monthly fees for its checking accounts?

Yes, PNC Bank charges monthly maintenance fees for most of its checking accounts. However, you can often avoid these fees by meeting certain requirements, such as maintaining a minimum balance or setting up direct deposit.

Does PNC Bank offer credit cards?

Yes, PNC Bank offers a variety of credit cards with different rewards programs and benefits, including cash-back, points-based rewards and secured cards.

Can I get an account with PNC Bank if I have bad credit?

It’s highly likely. PNC Bank has several accounts designed to help customers with bad credit, including its Foundation Checking account and Secured Visa credit card.

Still have questions?

Is PNC Bank legit?

PNC Bank is a legitimate and well-established financial institution that’s been serving customers for decades. With branches in 29 states and Washington, D.C., it’s a good choice for individuals who value digital banking tools but still want the option to stop by a physical location. The bank is FDIC-insured, which means deposits up to $250,000 per depositor are insured by the federal government.

PNC Bank Reviews

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    Customer Service

    Reviewed July 7, 2026

    Worst customer service ever from wealth management.

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    Customer Service

    Reviewed July 7, 2026

    Horrible customer service and nothing but issues trying to close the account. Transition from First bank to PNC was a horrible experience and closing the account has been a nightmare.

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      Reviewed July 7, 2026

      This bank sucks since they took over for first bank. No more than two tellers ever and the line is usually at least 40 minutes long. Every PNC I have visited has the same problem. They need more tellers.

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      Reviewed July 7, 2026

      I was with them for many years. Now they're giving me the wrong amount in my bank account.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsBillingLoan ProcessTransparency

      Reviewed July 6, 2026

      PNC calls and hangs up when you answer. The IVR has routing to auto loans. They also will tell you that you are past due for a payment that isn't due until the next month. Which is giving false information. They closed my checking account out of nowhere, I deposited money, used that money to pay my auto loan with them then a few days later after take the payment they closed the account and refunded me a month later making my auto loan delinquent with no explanation!

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      PricePunctuality & SpeedBillingRates

      Reviewed July 6, 2026

      I am stuck with this bank because the interest rate on my mortgage is too low to move. They are terrible. No convenient locations. Trying to dispute a credit card charge. First told by auto menu that no dispute can be filed for at least 30 days. Wait out their time then can't do it online unless I want to cancel the card. Sitting on hold. According to useless bot menu I may be on hold for 40 minutes which means likely an hour or two. As soon as I can pay off mortgage I will close all accounts.

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      Reviewed July 4, 2026

      Liars, said no foreign transaction fees and got me with a 3%. Talked to a manager and said there is nothing she can do about it. Be aware of this scammers!

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      Customer ServiceContract & TermsPriceLoan Process

      Reviewed July 3, 2026

      PNC has a too ridged corp structure. Would not allow me to change my due date on my HELOC loan even though the present due date will cost me more than $ 100 in fines. I did not know when the loan was set up that my direct deposit would not post until several days past the due date. My deposit comes from my SSN and can vary by up to 5 days. They only give me the same form letter and say there is nothing they can do. Very poor customer service. Be wary when getting a loan from PNC.

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      Customer ServiceStaff

      Reviewed July 3, 2026

      Horrible customer service and no one knows how to answer your questions. I can’t get a straight answer from anyone. 1st Bank was excellent and PNC is AWFUL!

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      Customer ServiceSales & MarketingOnline & AppBilling

      Reviewed July 1, 2026

      PNC bought First Bank and they are not prepared. Payments can only be done through the app, but... the app doesn't work well. And not having a backup plan for people who have no access to their phone is insane. On top of that, I spent 2 whole days trying to set up my accounts, I went to the branch and made phone calls. Still doesn't work. My bills are due and I still cannot pay. If they are so incompetent at something that should be simple, how do I know my money and business is safe? I'm switching banks.

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      Sales & MarketingStaff

      Reviewed July 1, 2026

      Horrible. Horrible. Horrible. I tried to talk with someone about that could offer me for checking and savings account. They would not talk to me without a copy of my driver's license. I refused and walked out. Today I tried (with account owners deposit slip signed) she is out of state to deposit money from the estate sale (cash) they refused to take cash. I showed my real estate licenses, driver's license plus my business card. My bank takes cash. Ever again will I set foot in a PNCbank

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      Sales & MarketingRefunds & Payouts

      Reviewed June 29, 2026

      Pnc is a participant in on running scams. Scams to take innocent people's hard earned money. Do not bank with pnc. They will let people steal your money and expect you to pay for it. They are crooks.

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      Reviewed June 28, 2026

      I own a small business. My biggest challenge is PNC and how they will screw up everything I am doing. They are thieves. Crooks. Never bank with PNC.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed June 25, 2026

      PNC is the worst bank I’ve ever dealt with. Today I received a low account balance in my email only to discover they had closed my account. No previous warning, just BAM your account is closed. This means I got no money!! They are mailing me a check! Yes but in the 5-10 days before I get the check, how am I supposed to live? They got every dime I own tied up with me waiting on snail mail! This is without a doubt the worst bank in the country!! Do not bank here! They could care less about their customers! My son is getting married this weekend in South Carolina and now I can’t even buy the gas to continue wedding! Un-dam-believable! Never ever again will bank with these people! Do yourself a favor and stay away from PNC bank!

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      Customer ServiceStaff

      Reviewed June 23, 2026

      I was on the phone altogether for 2+ hours. Transferred to Ambra for another 1 HR. ACH in arizona is now using a new bank for those transfers jp Morgan chase. While her superiors were trying to figure out what was going on they transferred me to an ACH specialist who I will have to call tomorrow. However got old Ambra, got on to az dept of revenue and saw the bold print in red about the transfers. She needs to be promoted instead of the upper management ostriches (head in the sand).

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      Contract & TermsTechSales & MarketingPriceStaffHonesty & Transparency

      Reviewed June 22, 2026

      Do NOT bank with PNC if you value competence, stability, or actual investment advice. The staff turnover here is absolutely horrible. Every few months it's a revolving door of new faces who know next to nothing about their own products. You spend half your time retraining the teller or "relationship manager" on basic account details that should be second nature. The investment division is even worse — pure garbage. Every recommendation feels like it came out of the same corporate cookie-cutter template. They don't tailor anything to your situation; they just push whatever line of products pays them the biggest commissions. It's not advice, it's a sales pitch disguised as financial planning. Their managed accounts are a complete joke. Honestly, a blindfolded dartboard would deliver better returns and more thoughtful portfolio management.

      I've seen more personalized strategy from free robo-advisors than what PNC charges premium fees for. Save yourself the frustration and take your money somewhere that has experienced staff who stick around and actually know what they're doing. PNC has turned "relationship banking" into a bad punchline. One star, and that's being generous.

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      MaintenanceStaff

      Reviewed June 22, 2026

      1st Bank changed to PNC Bank. My dad is 88 years old, so I'm taking care of his accounts. Everything was fine until I tried to log in this morning. Their new system sucks. My log in does not work. It will not accept any SSA or bank account information. Banks are very frustrating when they change hands all the time.

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      Customer ServiceLoan Process

      Reviewed June 21, 2026

      PNC is the worst finance company I've had the displeasure to deal with in 50 years. I've had multiple house loans, car loans and bank accounts with over 30 creditors. I have NEVER been mistreated the way I was by PNC. Rude to the end; I didn't ask for them but was handed a car loan with their company. I was in the middle of refinancing to get away from the horrible experience and they harassed me right to the end. DON'T EVER BANK HERE.

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      Customer ServicePricePunctuality & SpeedStaff

      Reviewed June 18, 2026

      One teller at 9:05 Wednesday June 17. Other teller on conference call in closed door. Manager in office. 5 people waiting inside, 1 in drive thru. After asking for someone to help me get check registerer I was told they were out. At 9:20 I left bank without being able to do what I needed to do. Your profits over service is why customers are charging banks. I’ve been a customer since 1974. Terrible position you’ve put your employees in.

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      Punctuality & SpeedStaffBilling

      Reviewed June 17, 2026

      I wish didn't have to give any stars for PNC Bank. I was a new customer and I was told to protect my account. They closed it without contacting me. I only came to find out because I went to a branch by where I live and they told me when I ask for assistance, how to do a bill pay to a customer. Days later, I received the cancellation in the mail. What really gets me mad is that they should had contacted me and give me the option to withdrawn my money that was already in the account (Note: it was my social security check) or since they made the decision to close without talking to me first, they should had did a wire at their own expense to transfer my money to an existing account with another bank that they were aware of that I had it.

      This caused a lot of inconvenience to me. I was with very low balance on the other bank account, and I had no access to my social security money at PNC for this reason, I couldn't buy medicine and up to this day (6/17/26) I haven't been able to go food shopping. I haven't received a check from PNC yet, after they closed my account, and I was told that it was going to take 7 to 14 days to receive it. Meanwhile, I am having issues feeding myself. I don't eat breakfast and lunch, only dinner when I find something to cook.

      This review is for the Corporate office. I already gave a good review on the branch that I opened the account. The employees at the branch are very nice, it wasn't their fault what happened between me and PNC bank, they just work for this terrible bank and the decision didn't come from them but from the corporate office. My suggestion: DON'T DO BANKING WITH PNC.

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      PNC Bank Company Information

      Company Name:
      PNC
      Year Founded:
      1852
      City:
      Pittsburgh
      State/Province:
      PA
      Country:
      United States
      Website:
      www.pnc.com