PNC Bank

PNC Bank

 3.6/5 (774 reviews)
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Overall Rating3.6 out of 5
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About PNC Bank

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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 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.

Pros & Cons


  • Branch locations in 29 states
  • 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

Bottom Line

PNC Bank is a full-service institution with a good mix of online banking and in-person branch support. It’s most known for its Virtual Wallet and “S is for Savings” account for kids. But interest rates aren’t competitive across all products, and some accounts have fees.

Top PNC Bank Reviews

Rated with 5 stars

The associates, online and in-branch, are warm, professional, knowledgeable, helpful and courteous. Their products are exactly as advertised, and banking is easy and convenient. F...

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Rated with 5 stars

Love the Virtual Wallet application for PNC bank. Easy to use. Easy to transfer money. Easy to understand your balances and set up automatic transfer to alternate savings accounts...

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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 7 a.m. to 10 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 and driver’s license. 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
  • Prepaid cards
  • 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 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 also includes the option to upgrade to a Reserve or 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 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 Prepaid Card

If you’re looking for a checking account alternative, PNC’s SmartAccess Prepaid Visa Card has no overdraft fees and comes with mobile app access, so you can track your spending on the go.

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 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.
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 provides investment options for customers looking to grow their wealth, including individual retirement accounts (IRAs), brokerage accounts, education accounts, insurance and more.
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 outgoing domestic wire transfers
  • $40 to $45 for outgoing international wire transfers


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, SmartAccess Prepaid Visa Card 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, 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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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: June 1, 2023

After 9+ years with PNC I have lost my home and lost my unborn twins due to South Mountain PNC Bank, bank error. PNC acknowledged their error which caused me great stress and also caused my family and I currently to be living out of a hotel. Well to make a long story short I got a cashier check from them in January 4th 2023 to pay my rent, come to find out the Bank Teller Samuel didn't complete the transaction correctly, making the check not valid. I wasn't notified and they didn’t try to fix the situation at the end of the banking day or the following day, when Samuel’s banking transactions didn’t balance out.

My landlord didn't make me aware of this bank error til March 2023. The outcome of this bank error caused an eviction to my family and I, Banyan Preserves thought it was a flagrant check after trying multiple times to process it. After being passed on to multiple PNC agents in different departments, they basically told me, "YOU’RE SCREWED" due to their bank error. They can’t help me but they can make a documentation of this bank error and wish me luck. I’m just asking South Mountain PNC or those who have the authority to make things right.

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Rated with 1 star
Verified Reviewer
Original review: May 23, 2023

Do not use them for any reason, worst bank I have ever dealt with. They messed up my direct deposit and now I have to wait days before I can get any of my money. Deposited a check and after I was told I would have to wait 3 days before I can get to my money.

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    Rated with 1 star
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    Verified Reviewer Verified Buyer
    Original review: May 19, 2023

    PNC charge me a $7.50 fee to replace my debit card. I received six text messages as well as email alerts from PNC stating that there were attempts to use my debit card so I went and got my card replaced on the mobile app and I selected the lost/stolen option. Next thing I noticed was the fee. I attempted to contact PNC about the fee and it was impossible to speak to a human being.

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    Rated with 1 star
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    Verified Reviewer
    Original review: April 20, 2023

    Very poor experience and banking practices. This company treats their customers like a word I prefer not to use. They froze our account with no notification so far for 4 days. I have tried repeatedly each day to get some kind of answer as to why our Business Accounts are frozen. No one in the local branch can help us, as they say, you have to wait thirty days to hear from someone. The Branch lady was nice enough to try and contact someone on the phone I guess from another department, which is absurd.

    They compartmentalize everything regarding the customer service process that even their own employees have a hard time trying to help and have to take the brunt of all the negativity received by the customer due to the Bank unprofessionalism and downright disrespect by way of not providing any insight at least as to why they would freeze a business' account. They have enough information to freeze your account but yet don't have enough information to tell you why they did. They have not told me in writing, by way of email, phone and/or text about the matter. We are in the 21 century and they are telling me I have to wait to receive it in the mail. Yet, they can contact us for a payment via phone call and or email. This bank is horrible!

    I placed a complaint to the BBB one day regarding the matter. I called PNC two days later to get some information being I still have not been contacted regarding my account and why it's frozen. I was somehow patched through to some Marketing Director for some reason and she mentioned the complaint I placed on BBB during our conversation. I never mentioned it, so at that point it started to feel retaliatory by the way I was being treated due to me placing a complaint. I was sent to multiple people who I was told that will help get me some answer and none will ever call back.

    I will have to keep calling for updates just for them to tell me they have no information as to why they put a block on my account, but yet they have information to put a block on my account. **! I have went as far as obtaining information regarding a lawyer by way of Consumer Fraud Legal Services LLC which has an extensive track record of dealing with PNC by way Arbitration due to their poor business practices. Apparently, PNC is so bad, this company will help you sue them for FREE on contingency...That told me a lot! Stand by for updates!

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 19, 2023

    If you have Money and you keep it would be nice to be able to Withdraw or Transfer it when needed. PNC won't let you Wire or Transfer more than $10,000 at a Time. What if you are buying a House and need to wire money at a Specific Time. THIS BANK will cost you MONEY, in changing closing Costs, and Payoffs. It would take you 10 days to Transfer $100,000, that's a lot in additional Costs.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 17, 2023

    Had been with BBVS bank forever, until they got bought by PNC. Online banking is not that great! So I hadn't used my account for a while. Only found out a few month later, that I was charged a monthly fee for quite a long time. Called CS, and mentioned long time BBVA customer, that seemed to pissed her off. She replied that BBVA is long gone. I asked if she could refund the fees since I never know there is a fee, she said she can't. Then I asked her to close the account for me. She did and then hang up on me. This is not professional.

    5 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: April 7, 2023

    It is a nightmare dealing with PNC since PNC took over BBVA Compass. The staff has no training in customer service. We are being penalized for keeping our money in their bank. Charging us fees, not even informing us prior to the service. Also, charging for no service. Over-staffed in Prescott Valley branch, and none knows anything and hardly have anything to do. I have personally made several 1-800 phone calls and communicated with the PNC staff. My issues have not been resolved. They push it off from one person to another. No wonder numerous PNC banks are closing down.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 31, 2023

    Anytime, I choose to walk into a PNC Bank because I need help, it is always extremely challenging. Recently, they went to the system of scheduling appointments to get help. I need a simple document signed, but I have to schedule an appointment to do so. I understand scheduling appointments for things that are going to take a while. To get a document signed only takes two minutes if that. We have switched our account over to another bank simply because of the customer service PNC does not provide.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 20, 2023

    Deposited a payroll check which was issued by PNC bank. Had no indication it would take 7 days to “clear”. My account said it was deposited and cleared a day after depositing. Available balance didn’t reflect the deposit. Called and messaged customer support. They said “it’s our policy” and were of no help at all. May just switch back to my old bank if this is how PNC operates.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 16, 2023

    Today I wanted to send some money from my online PNC account to my Wells Fargo checking account. The PNC APP said that I had $150,000 daily withdrawal limit but when I checked further that was a deception. It was $150,000 monthly limit. So I decided to move my whole balance to another bank paying much higher interest and when I tried to do that it was like pulling teeth. It was a 40 minute process that involved mailing forms, checking secure emails, getting secret codes two or three times for verification and this was after I verified myself many times with many different people. So I just decided to say screw it and closed my account. Wow, that only took 10 minutes. I'm glad I got out of PNC. They're a bank that causes much unnecessary cluster of inconvenience just to get my money back but it was so much easier for them to take my money.

    7 people found this review helpful
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    PNC Bank Company Information

    Company Name:
    Year Founded:
    United States