PNC Bank

PNC Bank Reviews

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1,689 reviews & ratings
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Written by Cassidy Horton
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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 - 6
    Customer Service

    Reviewed Jan. 17, 2025

    I needed help locating some specific currency and visited several banks who were not helpful and unresponsive, even when I visited in person. My first call to PNC Rittenhouse produced exceptional results and I was able to take care of the transaction immediately. Thanks to Georgia (exceptional phone presence and quick call-back) and Aubrey, Lead Teller (impressive style and sincere level of customer service). Thanks!

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      Customer ServiceStaff

      Reviewed Nov. 29, 2024

      The service provided at the PNC Branch in Stafford, VA is exceptional. I’ve used this branch for the last three years and the service is always great. There is a representative in particular this provides stellar service. Her name is Olive. She is always welcoming, takes the care to answer all of my questions, and ensures I am aware of new services available.

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      Punctuality & Speed

      Reviewed Sept. 5, 2024

      After not visiting my PNC branch since March (Goddard/Telegraph) I stopped there on September 4, 2024. The service is much better and the tellers are very polite. I could see the improvement. The line is still short inside for the teller windows. You can feel the respect from the tellers for your wait time

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      Customer ServicePunctuality & SpeedStaff

      Reviewed July 8, 2024

      PNC in Hatboro, PA is one of the best locations with the best customer service. They've helped me achieve everything I've EVER asked. It's never too crowded. I never feel rushed or pushed aside. Thank you PNC!

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      Customer ServiceStaff

      Reviewed Jan. 16, 2025

      My experience with PNC Bank honestly started out good for years until a family member who had passed away and left me thirty thousands dollars. The money was an inheritance so I went to deposit the check that had my name, address and my identification that matched what information PNC Bank had. I was racially discriminated by one of the bank teller that was from ** and she had nerves to say she was also a person of color. So ** this is one of the worst banks for people like us to keep our money in. So I stayed on trying to be professional about it but things would get worse for me at PNC Bank. I called the main branch and complained which some of us don't do as the real people of color. So when I did that they really had it out for me. Anyway they ended up closing my account so actually they did me a good damn favor.

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      Customer ServicePrice

      Reviewed Jan. 11, 2025

      This is review is specific to how PNC handles mortgages. My mortgage was initially through another company but was sold to PNC which seems like standard practice the mortgage industry. I have no complaints about the initial mortgage company, but I do have complaints on how PNC is exploiting my unfortunate life event.

      Legally, I need to remove another person from the existing mortgage and I qualify for a loan assumption. There were no issues on the loan assumption pre-approval given my income and no other debts and proceeded with the formal approval and loan assumption. That was 6 months ago and it there isn't an end in sight. Throughout the past 6 months, PNC has asked for additional documentation, which I supplied, and went back on their word on the loan assumption requirements. Each iteration of additional documentation would take weeks for PNC to review and respond.

      What prompted this review is that PNC is pulling multiple hard credit inquiries which is impacting my credit score and ability to secure a mortgage through other options. They already have all the possible financial documentation I have and are no longer asking for consent prior to hard credit inquiries. It seems PNC does not want me to assume the loan because they could make more money off me if I'm forced to refinance. The additional hard inquiries would then be justification for an increased interest rate when I have to shift from an assumption to a refinance.

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      Price

      Reviewed Jan. 10, 2025

      I got hooked on their nice interest rate for savings account. It took me days to actually get money out. First they said they could not transfer money out because my account had been inactive. (I pay my mortgage every month from that account.) Then there was a 2 week hold for security reasons. Then it was because my receiving bank (the one I used to transfer to them in the first place) had my birthday wrong and I had to change my recipient bank's records. I closed my account. They said they are no longer responsible once the check gets turned over to the USPS.

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      Staff

      Reviewed Jan. 3, 2025

      PNC in the branch employees are wonderful but it doesn't matter how wonderful a person is if the company they work for doesn't help their clients. I have money both in savings and in a banking account and when I get offers for something and get turned down makes me want to take my money somewhere else. I think I just might.

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      Customer ServiceReliability

      Reviewed Jan. 2, 2025

      I would give minus stars if I could. Wow I'm speechless. THE DUMBEST BANK EVER. Holding a business account for many years, by experience this bank has the: LONGEST PHONE WAITS (I have been on the phone now as I'm writing this for the past hour, and still waiting to resolve an issue that should not exist), they locked me out of my Zelle account, I called and was told to go to the branch, I went to the branch, they gave me a phone number to call, back to my office, I call, I am instructed to change my login, pass, and security questions and call back. Again on wait back with customer service, asked again the same security questions, and they are not able to resolve the issue.

      This bank has been wrongly charging our non profit association $50 monthly for Pinnacle Srvc which we never ordered. When asked to remove the charges, they asked me to go back to the branch since they cannot remove it online.... Back to the phone, when they finally got my Zell reinstated on their end my mobile app wouldn't take my updated login and password. Even though I am able to login on my desktop, it is now impossible for me to login on mobile. Online banking instructed me to delete and reinstall.... I did it for many times and tried again, and it wouldn't unlock. Now I can't login on mobile to do any Zelle operation since Zelle is only available on mobile with this stupid Bank.... I'm instructed to go to the branch if I wanted a Zelle done.

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      Staff

      Reviewed Dec. 27, 2024

      Horrible. I am in pain. Have statement. No card. Could barely hear any of the people I spoke to. They had to verify who I was. Said 5 times they would send text. Never sent. Mind you I was trying to pay. Not take money. Horrible card. Can't get anything done. Wasted 15 minutes. Nothing accomplished

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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