Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.
About PNC Bank
This profile has not been claimed by the company. See reviews below to learn more or submit your own review.
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
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.
ConsumerAffairs has collected 1,528 reviews and 1,915 ratings.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,351,782 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 Nov. 1, 2023
My son went to PNC Bank in Washington PA where he has his account to cash a check that I had given him. It was a check drawn on PNC. They refused to cash it so he told him to deposit it and they refused. I called them and the head teller came on the line and refused. She was disrespectful and nasty. Yesterday I went to the downtown branch and deposited the check in his account without any hassle. I told the lady at the bank that I could walk into any PNC branch and deposit or cash the check without any issues and that she was mistreating him because she was racist. She told me that she was protecting me. I told her to deposit the check and put a hold on it until it clears, she would not listen so I told her I did not have time to argue with her and hung up. I want that lady to be retrained and learn about diversity.
Reviewed Oct. 29, 2023
I normally have my debit card unlocked just so then I don't get any surprise charges and every time I try to use the app to unlock my card they always have some maintenance going on with the online banking or even using the app. Right now it is October 28th at 9:30 p.m. and I can't even get into my app because of some maintenance that they're having on there which saying that the maintenance should start at midnight October 29th. It's only the 28th at 9:30 p.m. and I can't even get into it and it really pisses me off because right now I need gas and I can't even get gas because I can't unlock my card.
Is really really inconvenient and I'm really pissed off about it. I don't know why I even have this account and I feel like I should just cancel it but in the back of my head you know wants to be nice and try to give them another try but every time I do I always end up disappointed in their services for the online banking and app use. If there was an option to give him a zero star I would. So
Reviewed Oct. 26, 2023
I have watched PNC fall from a highly rated banking entity to one that deserves the 2.3 rating you see here. I pay my bills on time. Paid off an $11000 balance on time. My reward - PNC reduced limit to 500.
Reviewed Oct. 26, 2023
I made a purchase at T MOBILE. While they shipped product I had to call their customer service and I found out that they are liars. I refused package and it was returned to them on October 4. I called to find my refund and always ended up speaking to illiterate in the middle east. I called PNC to report fraud. They were provided all documentation including Ring doorbell video of my refusing package. They claimed they needed to escalate..... but I was speaking to more illiterate in the middle east. While I waited for PNC to ignore me T Mobile hit my account again. The amounts are 427.00 and 135.00.
We are almost at one month and I've not received my money back because the bank favors corporations over regular clients. I'm on hold right now waiting for another escalation and they will lie to me again. They've already started. I do not want to speak to the first liar so they are ignoring me long enough to write this review. Do no business with PNC. THEIR security is not effective. They favor corporations over senior citizens. I'm going to a credit union when I find one that does not forward calls to the middle east. RUN FAR AWAY.
Reviewed Oct. 23, 2023
I live in an apartment under the Truth or Consequences Housing Authority and I have to pay my rent to the local PNC Bank. They have"misplaced" my rent payment before, then found it and have no apology. Well they have done it again, now I have a notice to vacate due to non payment of rent even though I paid my rent through the night safety deposit box at the PNC bank. I have filed complaints with BBB, CFPB and my states Attorney Generals office. This is gross negligence and incompetence regarding a high profile client is theirs to only mishandle the money to the brink of a lawsuit!
Reviewed Oct. 20, 2023
Several months ago our account was fraudulently hit for several hundred dollars. It was reported immediately that there were in fact three occurrences, after several months, they still flatly refuse to make this right, even though they admit that they know these were bogus transactions. They say we didn’t report them soon enough. They were reported to them as soon as they were discovered. PNC didn’t catch them at all. They are currently going through some layoffs, and I honestly can’t wait to see this organization crash. Absolutely the worst bank I have ever dealt with …
Reviewed Oct. 19, 2023
I have banked with PNC for over 18 years and recently experienced waiting time every single time I am visiting my local Branch located in Northbrook Dundee Branch 774 Skokie BLVD due to lack of staff. They have only one person who is trained to do a cashier’s check. It used to be one of the best customer service PNC Brach location. Currently, shows PNC does not care about their customers or employees' satisfaction. Very disappointed.
Reviewed Oct. 12, 2023
When we needed to close it out the account, we were told it couldn't be transferred and had to be overnighted. It's been over a week and NOBODY at PNC knows where our 100k is or has a tracker. Now we're told it 'might' have gone snail Mail. We've called at least 10 times and every employee, supervisor, and escalation person has a different answer. If I ran my business the way PNC runs theirs, I wouldn't be in business.
Reviewed Oct. 1, 2023
I recently contacted PNC Bank, President/CEO Bill Demchak Office concerning an online PNC Bank SCAM/FRAUD in the amount of $700,000. PNC Bank response was: 1.) I was responsible for the SCAM/FRAUD 2.) PNC Bank refused to apologize for the SCAM/FRAUD 3.) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4.) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5.) PNC did not conduct Know Your Customer (KYC) and Anti-Money Laundering (AML) of my accounts 6.) PNC approved the International Wires sent to Chinese Criminals and Gangs, possible Terrorism (This is a Federal Offense). 7.) PNC Bank closed both my checking and savings accounts due to Suspicious Activity.
This is also Financial Elder Abuse since I am over 65 yrs. old. (This is a Federal Offense). PNC Bank is denying that this is Elder Abuse. What really hurts is I was a Valued and Model Customer for almost 10 yrs. at PNC Bank and now the bank is treating me like a Criminal. My Credit Score is ruined and I am a FRAUD victim by SSA, IRS, Medicare, Social Security and the Credit Reporting Agencies.
"Financial institutions that suspect an older adult (65 and older) is the victim of financial fraud must make a report to local law enforcement. In addition, state law now offers extra protections to combat financial exploitation of adults with disabilities and adults 65 and older. Under the law, customers of financial institutions (i.e., banks) can submit a list of persons to be contacted if the institution suspects that the customer is a victim or target of financial exploitation. The institution is also required to report the suspected exploitation to local law enforcement. If the suspected victim is an adult with a disability, the financial institution is required to report to the contact list, local law enforcement, and the county Department of Social Services."
Reviewed Sept. 25, 2023
We have banked with PNC for over 20 years and recently experienced a fraudulent attack, where branches cashed fake checks on our account. The $ was returned after much time and conversations (caught within 2 weeks) BUT, they blocked my account for 2 weeks and would not release the block unless I paid for their service to preview and approve every check I write... Refused to give me a letter to explain to my vendors that we were victims of fraud (which made us look like deadbeats) and prevented us from processing payroll through our provider, would give us no insight or detail as to the fraud investigation, refused to reimburse us from return fees for everything that bounced against the block. They severely impacted our ability to do business.
Spoke with approximately 12 people over 2 months until I reached retail support corporately who was unable to escalate my complaint (highest level) and would only provide me a legal address and stated that hiring an attorney would be my only recourse. They refused even to reduce our (recorded!) conversations to writing or tell me what was happening with my fraud case (internal information they'd only supply with a subpoena). All calls to fraud and legal went unanswered. I have never been treated so poorly in all my business experience. The bureaucracy and red tape makes me believe that they are covering for fear of a class action suit and to cover up their culpability. PNC is the WORST. I am moving my business banking elsewhere.
Reviewed Sept. 23, 2023
PNC repossessed my boat and sold it at auction after failing to update my address in their system! My payments were on autopay and were going to the prior bank (my loan was sold twice). Even after proving I had requested an address change three times and a PNC employee was found to alter an official notice of repossession (updating my address), because one payment in 3 years was late over 30 days, the law states they have a right to repossess a boat (luxury item). I had moved and hadn’t lived at that address for almost two years!
Regardless, they hired a team of attorneys and I lost the lawsuit. To make matters worse, this was 4 years ago and because I refused to pay the amount due plus attorney fees, they continue to hit my credit every month stating the loan is pending repossession. I’ve never missed a payment on a loan. The only reason one payment was late was due to the first mortgage change and the customer service rep told me to wait to make my next payment until the new account was set up. This is the ONLY negative mark against my credit and my score went from the low 800’s to under 700 overnight. I have a rare blood disease and they dragged out this lawsuit probably hoping I would die. Well guess what? I’m still here and I’m pissed. If they are going to continue to ding my credit every month, I am going to let the world know. Really? Come on folks!
Reviewed Sept. 20, 2023
Because PNC is named as the mortgage holder, the insurance company is required to have their name on my insurance claim check. This means I have to endorse the check, and send it to PNC. I did this, and now PNC will not send me back the difference between the principle of the mortgage (so they're fully covered) and what the claim check was for. This means I cannot pay the contractors that are doing the insured repairs to my house. I have never gotten a straight answer from them since the process began. I have been told they mailed the check (waited two weeks never saw it), that they were reissuing the check and gave me a date that I would receive it no later than.
That date passed and I called again, found out that they hadn't done anything other than "put in a request" for a check much less than what they owed me. Now I'm told that they don't know why on any of these things, but that I have to wait another two weeks for them to process it. It's hard to tell if this bank is just incredibly incompetent, or just thieves and liars. My best guest is criminally incompetent, and they lie to cover it up.
Reviewed Sept. 14, 2023
To whom this may concern/Management: I have been given the RUN AROUND for almost a whole week now and I have reached out several times to PNC customer service and so many times they transferred me to the wrong departments and finally I request to speak to a supervisor and then comes Brian who said that he will only put me on a brief hold (1-3 minutes) for a few minutes then after a call that took 1 hour 41 minutes and 51 seconds to finally not get even a a half of a percent to the solution and on top of all that they hang up on me after almost 2 hours of waiting and I had to verify my identity 5-7 times and I had to explain my story over and over again 5-7 times to finally not get any solution nor a immediate call back.
I just got hung up on and on top of all that they revoked my account and I had no idea why this happened even after being told after several calls to PNC BANK that someone will contact me after two days and I believe 5 days have passed by and no one reached out to me and then I had to call them back instead. This was by far the Worst experience ever regarding banking customer support. I have no access to my account nor do I have a logical explanation of what’s going on. I mean this is ridiculous, no one was able to give me a straight up explanation or answer to anything regarding my account. Me as the customer I definitely don’t know what’s going, and all the PNC BANK employees and staff also don’t know what’s going on so WHO DOES??? It’s very frustrating and I know believe that it’s time to just involve the law/legal process with my lawyer regarding this unknown issue. PNC THIS IS UNACCEPTABLE AND VERY WRONG.
Reviewed Sept. 12, 2023
Because of safety they said, I could not purchase a ticket for a conference, they had to make sure it was me. So, I authorize the transaction and it declines, I called 2 different people "customer service", they both said, try again, which I did and... declined again. On the third call a very RUDE SUPERVISOR, comes to the phone and says that after 5 times the merchant puts a hold on my card. WHICH WAS NOT MY FAULT, as I was doing what PNC employees told me to do. End of the story, I DO NOT HAVE TICKETS FOR THE CONFERENCE, IMPORTANT FOR ME and PNC... is still not authorizing my card. Even thought I have never defaulted on one payment.
Reviewed Aug. 31, 2023
I have been a PNC customer for 25 years. I signed up for a PNC promotion to transfer a credit card balance from a Chase credit card to the PNC credit card. The promotion states that you will receive 15 billing cycles with 0% interest on that balance transfer amount. My balance transfer hit my new PNC card 3 weeks ago. However - my chase credit card still shows the entire transfer balance! So I am still paying interest on that balance instead of receiving 15 billing cycles of 0% interest- I am being shorted by one month of no interest. The customer service department was zero help when I called. I asked for a supervisor was transferred to someone who also was no help. I asked to speak with that person's supervisor and was told “there was no supervisor” above him. What the hell!! I am done with this bank! PNC engages in false advertising and doesn’t really care about their customers.
Reviewed Aug. 21, 2023
I deposited check on July 13th 2023, cleared from my friend account on 14th July 2023. I still have not received credit in my account Aug 21st 2023. Called them Aug 3rd they told me they need to verify owner of the check. I was on hold for 30 mins then I hang up. Calling again on 21st Aug. Same damn thing. We need to verify owner of the check. I did online transfer from my another bank to PNC Wednesday. Money go deducted from my account on Thursday, it’s Monday today. Still no credit in my PNC account. This bank is holding people money for no reason.
Reviewed Aug. 11, 2023
I am a 10 year customer. We fell victim to a scam. We caught it and brought it to their attention. We spoke to 9 different people, filled out a police report, etc. Their response to a customer who’s never missed a payment was to close all our accounts. No notice or communication. Absolute **! I will tell everyone I know to never use PNC for any banking or investment needs.
Reviewed Aug. 11, 2023
I would give zero stars if I could. Been a customer for 20 + years. Never an issue until the last 2 years. Kirkwood, MO branch is incompetent. Just paid a house payment and they deducted it twice back to back. First a rep said it was the other bank. The other bank said no. Next day a different rep said it was their fault. Now there's an investigation. Meantime checks are bouncing and fees are assessed. No money to access for four days now. Said they would correct it two days ago. Last conversation was this will take time and maybe we can arrange a provisional credit while they check into their mistake. Don’t bank here.
Reviewed Aug. 7, 2023
I recently had deposited a check via mobile app and apparently they can just deposit it whenever they want to and while you're waiting for your money that you should already have access to, they allow you to go in the negative. Isn't that nice! I am $200 negative in my account and a supervisor had the gall to ask if I was in any financial crisis. Another really great thing is if you do want access to that money that should already be available to you, is you can pay extra to get YOUR money faster. So if I want to not be in the negative I have to spend more money to get my money. Switching banks IMMEDIATELY.
Reviewed Aug. 5, 2023
PNC decided some transactions looked fraudulent. Shutdown access to account. Called, verified all information, verified all transactions, still refused to restore ANY access, said that all that information could be obtained fraudulently. Didn’t submit fingerprints or blood samples, so I don’t understand how else I’m supposed to identify myself. Customer service was impotent and unhelpful. Have had other problems with PNC previously, they’ve never been great. Recently went in during normal business hours (not near lunch hours) to open an account for my new small business. Was told the banker was “not there” but should be back, but don’t know when. Should have seen the red flag then and moved to a bank that TRIES to look like it cares about its customers. Will be closing my PNC accounts, suggest others do the same. If you are thinking about opening an account here, DON’T.
Reviewed Aug. 3, 2023
Still waiting to have my name removed from an account. Had an appointment and my name is still on account and being sent to my address. Representatives don't know what they are doing. Manager says she needs to investigate and will call me back.
Reviewed Aug. 2, 2023
I can not stop PNC from sending me balance transfer letters. After many calls over months; including talking to a supervisor I am now just cancelling the cards!! They will promise act on on it and at best it stops for a month and then they are back to it. It's a unneeded identity risk to have this info coming in the mail if customers do not want it!
Reviewed July 21, 2023
Beware of the PNC Loan Dept. The department is unorganized and inefficient. The PNC Loan Dept. is scattered in several US locations that do not work together. My advice to anyone is to avoid the PNC Loan Dept. entirely. Beware of banking with PNC Bank due to gross negligence to online customers. The online banking department is a sham when it comes to customer service.
Reviewed July 18, 2023
I've been with this bank for about 2 years now. First 8 months never a problem. Then for some reason it all changed. I have an ONLINE bank account with them. I do 98% of my banking on the PNC app and ATMs. Account balance was always on point up until then. Now my balance in my accounts is just about always wrong. I’ve called and went in to the bank many of times. These jockers keep telling me to go buy a tablet and keep track of my finances myself. Are you flipping kidding me. You're a major bank and can't keep my balance correct. So what's the purpose of the app, so I can get an around about idea how much is in my account.
Now they continue to tell me that when I use my card some vendors take the money out and then put it back in that same day. So now when they put it back in it screws my balance up. Four days later they take it out again. Probably true but that shouldn’t be my problem. Then they tell there is no other way. REALLY because I can use my FREE Cash App card a 1000 times in 1 day and my balance is always right. My mother banks with Marquette. She never has a problem. My sister banks with Bank of America. She never has that problem.
I honestly feel like they have it that way purposely to get people to overdraft. It just sucks to change banks once you establish at one but they are leaving me no choice. Just about every review I have ever read about PNC is bad. If I have to keep track of all my own transactions then why do I need the account. The same vendors you tell me that take money out and then put it back in don't do it with my cash app card. Anyhow I'm over it. Will be closing account today.
Reviewed July 12, 2023
We need to open a bank account for a trust. We have multiple accounts with PNC with decent balances. We brought the federal id no and the trust agreement to the bank. The manager took the documents and scanned them in. We were told it takes about 7 days. We did not hear back from them past the 7 days. Therefore we went back to the branch again (3rd time).
We were told that not all the copies went through. This was not our fault. They sent the documents again to the legal department. We called to follow up and were told someone would call us back within 5 minutes. Hours go by and we call again. Told someone would call us back. After going to the branch again, we were told we had to wait another 7 to 10 days. We told them this was not our fault and we should not go back in line again. The lack of customer support is so frustrating. What happened to taking care of the customer? Newport, KY
Reviewed July 6, 2023
New customer tried to set up new savings acct and fund from Chase checking. Verified SS # email, cell phone numerous times - called 3 days. Now says will be Month to fund?!!! No confidence in their process or CS.
Reviewed July 1, 2023
I have PNC Bank and they suck. They charge $35 fee if you don't have any money and they won't reimburse you. They also charge a monthly fee just to use their bank. I would say look elsewhere. Also, they're rude on the phone.
Reviewed June 23, 2023
On three different occasions I attempted to use their mobile app to make deposits and/or use Zelle and was blocked. When I called, I was told I had to go in person to bank branch because there was a problem. When I called my branch to ask why I was being blocked from using mobile app, they confirmed I had to go to the bank in person to resolve the matter. They said I had to show my ID to authenticate transaction even though I had successfully used the app before and they had already authenticated me by obtaining my passcode, SS number and disclosure of three recent bank transactions. I indicated the entire purpose of having a mobile app was to avoid the time it took to go to the bank in person. Nothing. They couldn’t help. So I’m going to close my account tomorrow.
Reviewed June 14, 2023
I would give PNC bank 0 stars if possible. They are absolutely horrible. They make mistakes and take months to fix them. In my case they had an error in the date of a trust account for my deceased mother. They insisted multiple times that I needed to furnish the "updated" document. When we insisted that no such document existed, they said "That's your problem not ours". 3+ months later, and 4 escalations, they agree it was an error on their part. From talking to a local lawyer, this is a systematic problem (intentional?) with this bank. STAY AWAY.
Reviewed June 6, 2023
I am attempting to close my deceased father's account and have provided all necessary trust paperwork. After 3 weeks they try to tell me they don't have all the paperwork they need and I can't even get someone to talk to. They claim there is nobody customer facing that can talk to me from that department, and that is crap. I will never deal with these morons again.
PNC Bank Company Information
- Company Name:
- Year Founded:
- United States
You’re signed up
We’ll start sending you the news you need delivered straight to you. We value your privacy. Unsubscribe easily.