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

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.

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 ServiceStaff

    Reviewed May 19, 2026

    This is not a bank. This is POS. Not only you will be wasting your time on the phone they will not solve any your problem. DO NOT open any accounts in that bank if you care about your funds.

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    Customer ServiceRefunds & PayoutsRatesTransparency

    Reviewed May 18, 2026

    I opened a savings account and was told that I would receive $400 bonus with a $5000 deposit. I was not verbally informed by the banker that a direct deposit was required to receive the bonus. I wrote a check for $5000 that the banker accepted. In December 2025, I went to the branch and informed the banker that I had not received the bonus. She said she would contact me and let me know the status, but she never contacted me. When I called PNC customer service in April 2026, they informed me that the direct deposit was required. Yes -- I then saw on the PNC material, which I still possessed but had not carefully read, because the orange and blue PNC flyer was basically unreadable, and I relied on the verbal explanation. PNC has refused to even compensate me any slight amount of interest – they used my $5000 to profit without compensating me at all, which I think is unreasonable.

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      Customer ServicePricePunctuality & Speed

      Reviewed May 17, 2026

      I have been a PNC customer for about a year and I move $5,000 to $10,000 a month in my account. My wallet and my phone got stolen, thought I lost it. Someone made several overseas charges and deposited a check. Good thing is PNC stopped the check and I called in to report lost/stolen card. They said, "Ok sending new card." 2 weeks go by. No card. I call again and report again. They stopped my card but never mailed one. Week + goes by. No card. Call again. This time I'm asked about transactions- found some unfamiliar. I go online (I never do 'cause I just transfer Zelle mainly and to wallet). I find the check that was returned and a lot of small overseas charges from card. I literally sit on phone for hour plus they say simply report the charges. I do then they show credited back to me.

      A customer sends me money from Zelle. Can't access it. 5 days I call. They say my account is going to be cancelled. To go to local branch. I go there 2 days later. The branch literally puts me on speaker with cust serv. whom says, "Oh we have to send you a card- they try. It cancels- I'm on phone 45minutes at branch for them to tell me my account is going to close. I just need to apply for new one. I said, "Where is my money?" - They say returned. I've checked with my customer 3 days now and the deposit was 4 days prior so 7 days they have not got a return... Over $361.00 PNC took from me or say stolen from me, they shut my account which has crashed my business now... PNC DESTROYED MY LIFE and took my money. Are there lawyers that handle this and could I sue for the damage they have caused me.

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      Customer ServiceTransparencyTimeliness

      Reviewed May 15, 2026

      PNC held up a deposit for 10 days concerned there was fraud taking place. The deposit in question came from an account I have with Raymond James Bank. We have been making deposits with PNC on this account for 4 years. PNC presented the check to Raymond James, which Raymond James verified in that they released the funds to PNC. I guarantee you Raymond James would not have released the funds had they been suspicious of fraud. We only knew of the fraud hold via email that DID NOT advise of why the deposit was suspicious to PNC when it wasn't suspicious to Raymond James. It took four different four calls to get the funds after being held for 10 days. The three previous calls asked me the identical questions. It was after the third call that I found out PNC was holding the deposit because of a blurry check, Mind you Raymond James released the funds to PNC the same day PNC presented it to Raymond James for verification.

      The fourth call elicited none of the same questions asked by the three previous calls. Verify my identity was the only thing I was asked, which after a minute of being put on hold the funds were released and deposited in my account. No explanation! No apologies! We banked with National Bank until PNC purchased them and stayed with PNC, which now has been for the past 31 years. We would change banks if not for the mess it would cause with our creditors and others. I can guarantee you our future banking will be limited.

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      Customer Service

      Reviewed May 14, 2026

      Deplorable service reps. Don't speak English. Screw up your info. Phone system is automated hell!

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      Customer ServiceCoverageSales & MarketingPriceStaffBilling

      Reviewed May 13, 2026

      My experience with PNC Bank is straight out of a nightmare. After more than 3 attempts to do the simplest of transactions, to change the account my payments come from, and being told by customer service each time that it was completed, PNC negligently cancelled my HELOC at a time when I most needed it resulting in severe financial hardship, the forced sale of my home (with over $800K equity securing the above $85K heloc) and severe devastation to my life. PNC denied me access to the audio recordings of this negligence, stating: "You'll have to get those through legal discovery". I was treated as exactly what you and I are to this giant financial parasite... Nothing more than a line on a spreadsheet. I was quoted policy, given "I can't answer that question" when I directly confronted their gross negligence, and essentially given non-answer after non-answer with the most disingenuous closing each time "We value your business!".

      This empire of usury is the epitome of what is wrong with USA banking system today, a titan of taking, a master of fee creation, a funnel of usury that does not stop until the last drops of your account are lapped up, taking zero accountability of the negligence spoken by their untrained, incompetent, and I'm sure underpaid staff while making record profits off of labor of you and I, all buried in legalese in attempts to cover all evils. See you in the courthouse, (or do you own that also). I have a question: What exactly does hoarding so much from humanity accomplish?

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      Customer ServiceContract & TermsPriceStaffBilling

      Reviewed May 13, 2026

      I wanted to give PNC 0*, but there is no 0* option; Pnc blocking my HELOC account without me knowing it and also charging my credit card with no my agreement; now I call back and speak to Jacey Keehn she is unable to help even she is at the very high level as what she said she is; Pnc keeps on making mistake to charge customers and taking Customers money and pretend that they did not do anything wrong. I will cancel all PNC credit cards. MT

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      Customer ServiceStaffHonesty & Transparency

      Reviewed May 7, 2026

      I would just like to say PNC staff is good. The financial advisor is horrible. Had this advisor for several months never met him. Had multiple communication issues. Finally met him the other day he and his assistant lied to me again. Didn't try to keep me as customer. Worst experience ever. Leave this financial advisor at once. At Stassney Austin Texas

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffLoan ProcessTransparencyCommunicationFollow-Through

      Reviewed May 6, 2026

      I am extremely disappointed with my experience with PNC Bank. They acquired my mortgage from Colonial Bank on February 1, 2026. Prior to the transfer, I had paid Colonial Bank for a home appraisal in order to remove PMI, as my loan-to-value ratio is now approximately 75%. After the transfer, I contacted PNC during the first week of February and was told they had received both my request and the appraisal funds, and that they would proceed with processing. I followed up every two weeks and was consistently told the request was still being worked on and that I should expect to hear back soon.

      In March, I finally spoke with a representative who informed me that the previous information I had been given was incorrect and that PNC could take up to 90 days to review my request. I waited patiently, but as of today, May 6th, I had still received no updates. When I called again, I was told that the appraisal funds had been sent back to my previous mortgage company, and the representative could not explain why. I am currently on the phone trying to obtain a refund since PNC is not moving forward with the appraisal needed to remove my PMI, despite my loan meeting the required 75% loan-to-value threshold. This level of customer service is unacceptable. The lack of communication, inconsistent information, and failure to follow through have made this an incredibly frustrating experience.

      Paul T - In Spring Texas.

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      Customer ServiceMaintenanceStaffRates

      Reviewed May 4, 2026

      I have been a customer of PNC Bank at the Mansfield branch located at 2061 NJ-57, Hackettstown, New Jersey for over 30 years, maintaining two business accounts and one personal account. I was also preparing to open a fourth account. Recently, there has been a complete turnover in branch staff and management. The relationships built over decades are gone, and today I am treated as an unfamiliar customer rather than a long-standing client.

      This Saturday, I attempted to withdraw funds from the drive-through ATM and experienced three failed attempts. When I went inside, I was informed that the machine was already known to be malfunctioning. However, no notice had been posted. I was told staff are not permitted to mark the machine out of order or shut it down during business hours, even when it is not working.

      I was also told that if a sign was placed on the machine and staff were not aware it had been repaired, customers might avoid using the ATM. This highlights a broader issue with communication. In most service environments, it would be expected that a technician would notify the branch when repairs are being made and confirm when the machine is back in service. Without that communication, customers are left to encounter known issues without any guidance.

      This is not simply inconvenient. It reflects a lack of basic customer consideration. Allowing customers to repeatedly make failed attempts on a known faulty machine is avoidable and should not happen. For that reason, I do not see value in escalating this to branch management or corporate. After more than three decades as a customer, I am now actively exploring alternative banking options. My rating for today’s experience is 0 out of 5.

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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