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 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.

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

Featured Reviews

Los Angeles, CA
Verified purchase
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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Philadelphia, PA
Verified purchase
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 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.

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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    Page 1 Reviews 0 - 5

    Reviewed Jan. 28, 2026

    By far the best banking service I've ever seen in my 63yrs, I'm on social security and I'm treated the same as a large account. I feel completely safe with PNC, awesome service... I love PNC Bank.

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    Customer ServiceSales & Marketing

    Reviewed Nov. 14, 2025

    Thank you, Evelyn for your information about PNC Banking and sharing why, I could not be able to get on to the mobile app. You are a very good listener and I do appreciate your knowledge about PNC Banking. I am glad to speak with someone on the phone that does have patience to listen to their customers 😊👍. Thanks again!!

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Oct. 6, 2025

      I want to give a shout out for Tamia in your Dispute Resolution Department for her pleasant attitude and her keen knowledge. I had a problem with a previous dispute through PNC. She quickly identified the problem, and said she would initiate action to correct the oversight. PNC needs more positive employees like Tamia. Great job!

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      Customer ServiceTechRefunds & PayoutsStaffLoan Process

      Reviewed July 23, 2025

      I'd like to leave a great review for Christina **, She was mostly working at the PNC Bank in Spring Hill Fl at the location on Mariner Blvd. Always greets me and my wife with a smile and asking how we are. Recently we paid off our equity loan on our house which we got from PNC, Christina started the process for us. We sold our house recently and the loan was paid back at the closing. I thought the end amount that we owed wasnt low enough. So Christina said that she would go over the numbers for us.She came back and showed us how PNC came to that amount.

      We felt better knowing that the numbers we saw were correct. So relieved that Christina took the time to do this for us. It's vey hard to call the mainline at PNC, because we have a hard time understanding them. Christina went out of her way to help us, and this wasn't the only time! She's a real leader and I hope this bank sees that and moves her up the ladder soon! Sincerely, Thomas and Margherita S

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      Customer ServiceStaff

      Reviewed April 24, 2025

      Excellent customer service A+++. They help you with all your needs. I would recommend them. If you are having bank problems they will help you even if you have out of the box questions. Kind curious they greet you at the door. It is nice to have such great customer service!! A+++. Thank you for all your help! Christopher j **

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      Refunds & Payouts

      Reviewed March 3, 2026

      They will give money you don’t have in your account to a scammer yea really they did! Then held me accountable for the mistake so I paid it then they froze my account and told me I couldn’t have one. Never I mean never bank here. They are the worst bank you could ever have period. Look at the size of their buildings. That’s how they pay for them. Scammers! Go to a credit union.

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      Customer ServiceContract & TermsPricePunctuality & SpeedBilling

      Reviewed Feb. 28, 2026

      $5000. I put $5100 in it. The minimum amount to avoid a service fee is $5000. I already got an email saying I'm about to be charged a service fee for not maintaining the minimum balance. So I'm trying to call and get an actual person, and after wading through 5 minutes of a stupid robo answering machine, I was finally placed on hold and told it's at least a 20 minute wait. I don't think this is going to be worth the cash payment. I'm closing this account and avoiding PNC like the plague.

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      Customer ServiceTechHonesty & Transparency

      Reviewed Feb. 27, 2026

      They took a extra 500 out of my saving account and the vendor voided it right of the bat. I also have a copy of it being voided. Flat out lied to. 3 different phone calls and even w the voided slip they're still screwing me... so now the remainder will go towards legal representation and the phone calls where they lied they better have because I have the call logs.

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      Customer Service

      Reviewed Feb. 20, 2026

      I've been a customer of PNC Bank for over 30 years. Over the last five I've never seen such a downfall of customer service. It seems like every time I need something done it's nothing but a challenge. The online and phone service banking is a joke. I was put on hold three different times for the exact same thing and hung up on twice before talking to somebody. It's time to find a better Bank that actually is concerned about it's customer rather than taking Services away that they've had forever and letting their customer service get as poor as it has gotten. I have given the numerous chances and they have failed me every time.

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      Customer ServiceCoverageSales & MarketingStaff

      Reviewed Feb. 18, 2026

      I was recently scammed out of a fairly substantial amount of money. On the day it occurred, PNC actually called me, due to my banking activity. I'd told them I'd learned I'd been scammed and they proceeded to block my account. The rep also advised me to replace my card. I'd also reported the incident to the FBI as it was a cyber crime. However, what upset me more than feeling like a fool, was the time it took for PNC to review the matter and decided they weren't going to credit my account with the funds lost. I appealed twice. But their decisions were the same. Upon calling to find out why, none of the interactions with PNC on that day were notable or significant enough to credit my account. Having been with the bank for a number of years, needless to say, I was incredibly disappointed and upset by their treatment. I will be looking for another bank to do business.

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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