PNC Bank Reviews
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About PNC Bank
Based in Pittsburgh, Pennsylvania, PNC Bank is one of the largest banks in the U.S. It has branch locations scattered throughout 29 states and Washington, D.C. and offers checking and savings accounts, credit cards, loans, mortgages and investment services. Some of PNC Bank's most popular accounts are its Virtual Wallet, which is an all-in-one checking and savings account, and its “S is for Savings” account for kids.
- Branch locations in 29 states and Washington, D.C.
- Variety of account options
- Strong mobile and online banking
- Some bank bonuses and promotions
- Fees on some accounts
- Interest rates may be lower than competitors
- Account options and rates vary by location
Featured Reviews
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
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
- 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 loans
PNC Bank investment options
PNC Bank small business banking
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.
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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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
PNC Bank Company Information
- Company Name:
- PNC
- Year Founded:
- 1852
- City:
- Pittsburgh
- State/Province:
- PA
- Country:
- United States
- Website:
- www.pnc.com