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

PNC Bank Reviews

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    Page 2 Reviews 5 - 35
    Customer Service

    Reviewed May 29, 2025

    PNC discloses a fee of $30 for domestic wires. I went to the branch and sent out a wire. A month later I was shocked to see a $95 fee on my statement. Concerned I called my local branch in Willoughby, Ohio. After having the phone ring without answer, I called corporate. 30 minutes and 3 people later I was informed that this is the fee for an in bank wire and if I wanted to discuss my grievance, the local branch is the only place for that. I would not recommend this bank to my enemies. Thieves in suits, nothing more.

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    Customer ServiceCoveragePrice

    Reviewed May 27, 2025

    I have been a customer of PNC since I was 2 years old (now 40)... I have several credit cards which I DO NOT carry a balance, and pay full balance monthly. My credit score is >790... I set up a credit card with PNC in December of '24, and immediately the month after missed a payment (auto-debit) because the system automatically set the last statement payment for the month after the card was opened, not the month of... I received a notification 7 days later that I missed a payment, which is extremely inconvenient because I ALREADY MISSED THE PAYMENT BY ACCIDENT! They waived my Late Fee and Interest Charge.

    Roll forward to May '25. I guess I had insufficient funds in the account they debited from (which I believe I received a notification of overdraft), to which I immediately covered and thought all was fine (given the typicaly 24 hour period to cover overdrafts).... Seemingly not.... The payment to the credit card failed (which they did not notify me directly), and they send me an email 7 days later telling me I missed the payment!!! There is no NSF notification anywhere except in the "transfers" tab, which I didn't even think to look at!

    PNC is a sleepy bank.... Boring for sure.... And extremely manual to work with. It seems unfair they set up notification 7 days after missed payment, and not the day of! Sounds a bit like a unfair experience for clients. Sounds like a class action law-suit to me! Canceling the card, and potentially canceling my banking relationship with PNC after 40 years.

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    Customer ServicePrice

    Reviewed May 24, 2025

    This is the most poorly managed financial institution I can imagine. Paid over $500 on a mid month CC payment yet none of it was posted to the oldest outstanding balance of $11. Also Have DEI hires not properly trained to do anything on the phone except "get a supervisor". I would not trust them with a revolving or installment credit account and neither should anyone reading this review. If it were not so much trouble to do so, I would change banks.

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    PricePunctuality & Speed

    Reviewed May 23, 2025

    Looking for a consistent bank that’s keeps up with your funds when you spend them? Well don’t go to PNC. Everything purchase is always pending and some things don’t come off until a week later at times. Also if you clear your account don’t use a 3rd party like CASH APP because PNC will still charge you over draft fees because it’s still in the “pending” mode. Even though you already clear your account. I definitely need a much reliable back I can trust with my money! PNC TOOK $70 out of my account and refused to give it back because there are things pending and hasn’t hit my account yet lol. Please be aware of these scams.

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    Customer Service

    Reviewed May 17, 2025

    I learned my rent check did not go through because they did not like my signature. Well folks, when you're elderly, and have palsy in your hands, your signature might vary. Spent fifteen minutes on phone with them being verified (they would not give their last name). They insisted that I write another check, why not clear the first one since you verified me? I've been writing the same check, to the same person, for the same amount, every month for fifteen years.. We all have enough pressure in our lives without having the cancel our debit card cause they don't like a twenty dollar purchase to the dollar store. Or the signature for our rent check isn't what they like. Time to go bank shopping.

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    Customer ServiceStaff

    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.

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    Customer ServiceStaff

    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.

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    Customer ServiceSales & Marketing

    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.

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    Customer Service

    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!!!!

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    Customer Service

    Reviewed April 7, 2025

    If you are banking with PNC Bank, you should think about switching. My savings and checking account was wiped out and they could not provide me an explanation. When I went to my local branch, they told me there was a hold on my account, at least on my end, but they couldn't tell me why. They said I would have to wait for 24 to 48 hours. There is no reason why there is a hold on my account. Why a person cannot got to their local branch and get an answer is crazy. They even called their national office and they couldn't tell them anything.

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    Customer Service

    Reviewed April 4, 2025

    I used my debit card At a gas station. Got $28 worth of gas. PNC put a hold on my account for $125. It happened on a Friday. They held my money from Friday to Tuesday. Could not access it in my account. After an entire day of phone tag where the bank blamed the merchant and the merchant blamed the bank I was over it so I called the merchant and was on the phone when I went in to the bank to question it with the merchant on the phone.

    The manager Maria ** at the Nob Hill branch in Plantation Florida refused me service because I was on the phone with the merchant. Refused to talk to the merchant to resolve the issue and told Me, she didn’t feel safe with them on the phone🙄🙄🙄🙄. Forced me to hang up before she would help me, and even look at my account and as soon as I hung up the phone, she blamed the merchant just like they had been doing all day, but yet would not say that to the merchant claiming she wasn’t allowed to talk to them Which was clearly a lie because I had been on a Three-way call Earlier with the bank and the merchant. She just did not want to help me.

    This is not the first time I’ve had this issue with that debit card so I know it’s PNC Bank. How many thousands of dollars do they do that with every weekend? Literally stealing your money basically till they decide to give it back to you. Just imagine I’m done. I’m closing my account as soon as I can have my paycheck transferred to my other bank.

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    Customer Service

    Reviewed April 3, 2025

    PNC Bank, Okemos, MI. 4 visits in 30 days in attempt to correct multiple errors made on our account by “Branch Banker” David **.From basic name misspelling, even after error pointed out, to his inadvertently removing primary account holder’s name from the account, to his giving incorrect advice re: check cashing. Unacceptable customer service from PNC. Filed formal complaint and closed our account today. My advice- go to MSUFCU where staff is properly trained.

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    Staff

    Reviewed March 24, 2025

    The individuals I have dealt with have been polite, helpful and professional. That said, this has been the most difficult new banking experience I have ever had! From the time it took to open the account to the challenge with my picture checks being accepted for deposit to the lack of clear communication with my check order to the challenge of finding a full service branch that can actually take a cash deposit. We opened this account due to moving from Charlotte soon and our current bank was not in close proximity to our new address and PNC was. We are also Pittsburgh area natives and kind of grew up knowing PNC. But I have to say there is something not easy about using this bank! We hope the experience gets easier from here after our actual move.

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    Customer ServiceCoveragePriceStaff

    Reviewed March 22, 2025

    If you think you want to open an account-DON'T. I've been with them 34 years. You would think they value that---NO THEY DON'T! I called several times to review a pending business transaction and what documentation they required. I was promised a call back several times from the branch manager. Not sure why the assistant manager didn't get me the info that I needed. Lazy staff!!! The interest that my business has paid PNC has covered several salaries-yet I received the most unprofessional service---and NO CALL BACKS! So here I am, getting ready to fly to the state that has PNC branches as I'm currently remote---and NO INFO! Avoid their poor service.

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    Reviewed March 3, 2025

    PNC Bank has greatly disappointed me. I no longer wish to have a relationship with pnc bank. If you are looking for a bank to do business with I suggest you keep looking. If you stop here I am very sure you will be writing a review in similar fashion.

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    Customer Service

    Reviewed Feb. 26, 2025

    PNC outright refused to help me over the phone, after locking out my external transfers two times in a row, having to have two very long on hold phone calls then when it happened the third time within a 2 month period I had to call and wait again for a very long time. They flat out would not help me due to my calling from the office phone, which records all calls. I work monday through friday and have no time to come into their office, if they were to come to me like my other bank does is the only way I am able to make it work. This is bad service! There wasn't even a desire to rectify themselves or the issue at hand. Absolutely do not rely on Pnc bank for good service.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 10, 2025

    Horrible customer service, was trying to change my last name and have been trying for months. Went in to my local branch and they did not have enough staff to even give me a wait time. They could care less about their customers. Will cancelling my account asap. I asked for a card to file a complaint at local branch and the person gave me someone else's card and couldn't even write down the proper email to contact for support.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 9, 2025

    I received a notice that my auto payment was late and they never received the check from PNC auto payment that I set up. This is the first time this happened, but I didn’t want it to affect my credit score. I called PNC who said that the check was processed and sent over a week and a half ago so there should be no reason why they didn’t receive it. I verified it was sent to the correct address. They said I could put a stop payment on the check if it turns up lost. I thought about it, got off the phone with PNC, then set up auto draft through the loan company and then called PNC back to cancel the check. They said it’s 33$ to stop payment on the check AND I HAVE to call back in 6 months to RENEW the stop payment on the check.

    I actually laughed at the woman on the phone. I’m trying to not get reported to the credit bureau and get my car repossessed so I need to pay the car payment, the check is lost somewhere, how else do I remedy this other than stop the check and pay another way??? So I have to pay 33$ for absolutely nothing, AND set a 6 month reminder in my phone to stop payment on this check again. It’s absolutely unbelievable.

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    Punctuality & SpeedStaff

    Reviewed Feb. 7, 2025

    These inconsiderate people closed my account. As such, I was unable to access my funds. I paid taxes near the end of January, my account was closed January 30. My payment was refused, and I must now pay penalties, since late. Also, I was refused the ability to obtain a check for remaining funds, at a local branch, told they must mail it. After a week it showed, I went to deposit it, and they had placed a 7 day hold on it. I am 71, and obviously have been banking a while, and this has never before happened. Stay away from these inconsiderate people!

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    Customer ServiceStaff

    Reviewed Feb. 7, 2025

    Terrible phone service. Forgot my ATM card at the machine. Called customer service to ask if the ATM machine would take the card and keep it after a few seconds of me leaving? And if I could go back to the bank in the morning to retrieve it? The agent was a disaster. Asked a million questions which I answered correctly and still refused to help me. Put me on hold for about 20 mins and no help. I stated I wanted to report the card as lost. Still was denied that as well. No one could answer my question. Horrible and unprofessional.

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    Customer Service

    Reviewed Feb. 2, 2025

    I tried to use my card at an ATM machine and if would not take my PIN number. I have called three times and I was told to change my pin and that I would receive a system generated PIN number in the mail. I never received it but I got a letter saying that I requested a new pin which is worthless. I’m done customer service free number sucks. I haven’t been able to get cash out of my account now for a month, I am done with this crap time for a new bank.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 28, 2025

    PNC used to be a decent bank with great customer service. The branch in Hazle Township has the worst service a person could imagine. Doubt me? Imagine having appointments TWICE to make adjustments to your accounts only to have three out of four persons not show up for the appointments THEY scheduled. Wild pigs could run a branch office better than the Hazle Township branch is.

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    Customer ServiceStaff

    Reviewed Jan. 26, 2025

    Recently opened a business banking account, I spoke with a representative 1/26 at 5:25pm ET named Patty who was extremely unhelpful. It was by far one of the worse customer service experiences I have had. After being with PNC bank for many years, I am now going to switch all my personal and business accounts to Chase Bank. PNC - hire a better customer service staff.

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    Customer Service

    Reviewed Jan. 26, 2025

    Have banked with PNC for nearly 20 years; now I’m preparing to close my account. Constant excessive fees and POOR customer service means if you don’t value me as a client, I’ll take my business elsewhere. INEXCUSABLE.

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    Price

    Reviewed Jan. 25, 2025

    I wrote a check 7 thousand dollars to PNC bank in springboro. I wrote the check to my plumber and asked him to take it to Pnc bank that they knew me. Pnc called my house and ask if I wrote the check and I said that I did. I told them I can come down and sign for it if I needed to. I wish the pnc bank told me that they were going to charge him a hundred and forty dollars.

    Now, the plumber's trying to charge me a hundred and forty dollars. Two times I went to pnc the borrow ten thousand dollars to rebuild my house. They only gave me two thousand. Asked me to come back the next week and get the rest. I was just looking and pnc bank has ten times number one rating over five star ratings. It's pretty sad when a bank does this to the customers? No wonder big banks are closing. Daryll ** Retired

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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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    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