PNC Bank Reviews
- 4,658,490 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
+1 more
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
Filter by Rating
- (34)
- (13)
- (19)
- (62)
- (1,406)
Popular Mentions
- 4,658,490 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,658,490 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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 **
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
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!
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.
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
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!
Reviewed May 5, 2025
Absolutely the Worst Banking Experience – Longtime Customer Leaving for Good. After being loyal customers of PNC Bank for many years, this year we’ve decided enough is enough — we are closing all our accounts and will never bank with PNC again. This is hands down the worst banking experience we’ve ever had. From start to finish, the level of incompetence, lack of accountability, and total absence of customer care has been shocking. When a dispute arose, PNC was not only the cause of the issue by filing everything incorrectly, but they also refused to take responsibility. They took money out of our accounts without resolution, and despite repeatedly being told the dispute was filed wrong, they offered zero help and told us there was nothing they could do.
Not once did a banker return our calls or follow up — not a single ounce of guidance, ownership, or concern from anyone at this institution. It became so bad we had to work directly with the other party to resolve the issue ourselves — something PNC should have handled from the beginning. Customer service is a joke. No follow-through, no attention to detail, and no idea what they're doing. Every representative gave us different answers, and not one of them followed up. It felt like no one at PNC actually knows how to do their job, or worse, they just don’t care. We are utterly disgusted with how we were treated, and we strongly urge others to reconsider banking with PNC. If you value your time, your money, and basic human decency — look elsewhere. We will never bank with PNC again. Ever.
Reviewed April 30, 2025
About two years ago, PNC Bank took over the Mortgage on my home from Security Nation Mortgage Company. I had no say in the Matter as Security National just sold the Mortgage to PNC. At first, it went smoothly, but I did start to notice that they constantly did escrow "shortage" checks and kept upping the monthly payment. The real issue with them and it's a big one came after our home was damaged during Hurricane Helene in September 2024. After dealing with our Flood Insurance company and finally getting a Settlement check in January of 2025, they made the check out to myself, my wife and since they were a Lien holder, PNC bank as well.
When I went into a PNC branch for them to endorse the check so I could deposit it in my BOA account and start my rebuild, they had me sign paperwork stating I agree to use the money to fix the House (which is no problem because that's what I intended to do) and they literally confiscated the check and kept the money and forced me to go online and register in one of their online Portals to upload a bunch of documents and then request a preliminary inspection before they would release one cent to me (keep in mind it's our money from the insurance company) they then after 3 weeks released 25% of the money upon requesting we deposit it in a PNC checking account, which we did.
They then held the check another 5 days to make sure it cleared, even though the check was from their own bank. After that sum was used, which is very easy to do when you are going for a major rebuild, we had to request another inspection. After another 3 weeks total time being wasted, they eventually released another 25% and again the same deal with depositing the check. After installing a full AC system with all new ductwork and new floors throughout the whole house and finishing two of the bathrooms to about 75% we requested another of their famous inspections to keep the build going, after 2 weeks the inspector came in and said very nice and then reported to the Bank he didn't see enough progress and not to release any more of our money.
My wife called the bank and they told her too bad that if she wanted to get the house done then maybe she should take out a home equity loan through PNC and just use that to finished the job and pay monthly on the loan while the work gets completed and then when finished get a final inspection and if you pass they will release the funds within a month and just pay off the loan. Not to mention, she was very upset at this level of arrogance and lack of customer care, and to think we should get a loan from them, pay interest to them on that loan, while they hold our money hostage. Now, also keep in mind we have not been able to live in the house for the past 7 months and have been paying the mortgage on the house like clockwork the whole time as well as having to pay for a rented condo to stay in. I called PNC, and I was livid, as you can expect, and I called them and gave them an earful.
I told them they were destroying lives by forcefully holding our money hostage while we don't have a place to live because our rented condo is up in 3 weeks and I was told if I didn't like their rules then I should just pay the mortgage off or just sell the house quickly so the mortgage will be paid and then after 4 weeks they would release the rest of our insurance money. What a total lack of decency and respect. They also said I should just refi with someone else as well, which I would be happy to do except I currently have a 2.74% rate on my original Mortgage and why should I refi at a 6.5% rate all because PNC bank is literally the worst around. So as it stands right now, come Mid May my wife and I will be essentially HOMELESS unless we want to sleep on the floor of our home, which is 50% unfinished.
This is the most atrocious bank I have ever dealt with and if you are thinking about using them, think twice because, god forbid you should be affected by a natural disaster, they will put you through Hell. In fact, they have been as bad as the Hurricane. If I could give zero stars I would but 1 is the lowest allowed. For destroying lives, they should be a lot less than 1.
Reviewed April 29, 2025
How can a bank accept money from Venmo for a closed account???? It’s been a month and I don’t have my money back. They haven’t reached out to me once about the issue, I have had to call several times. They claim a check is coming but it’s been a month. Best decision ever to close this account. They have poor values and terrible practices. Run from this bank.
Reviewed April 21, 2025
I was solicited by PNC to recast my Home Equity Loan, and the whole deal was a bait and switch. They begged me to take advantage of the offer, even though I told them not to waste my time. We spent hours uploading documents to the "secure portal" which they claim they never received, so we had to email it. Then they told us we had no equity (even though we currently have the loan and have 8 times the loan amount in equity) and then claimed I didn't meet the "owner occupied" requirement, even though I LIVE in the property! They wasted hours of my time requesting documents multiple times, promising me we are "pre-approved" and "almost there" only to send a form letter full of bogus made up excuses to deny the loan. I am pulling all of my accounts from this scam of a bank.
Reviewed April 11, 2025
Horrible customer service. I had a Prepaid Debit given to me as a gift and it was declined. I called the phone number on the back of the card to find out why. I wasted about 45mins with 5 phone calls. I was sent back to the main phone line, put on hold for 10 to 15mins. I asked for a supervisor and got the same run around. I finally got someone to talk to and was told the gift card money was given back to the people who gave me the card. They kept apologizing, YOU ARE NOT FORGIVEN!!!!
PNC Bank Company Information
- Company Name:
- PNC
- Year Founded:
- 1852
- City:
- Pittsburgh
- State/Province:
- PA
- Country:
- United States
- Website:
- www.pnc.com
