Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
222 Delaware Avenue
Wilmington, DE 19899

PNC Bank, National Association is headquartered in Wilmington and is the largest bank in the state of Delaware. It is also the 6th largest bank in the nation. It was established in 1804 and as of March of 2014, it had grown to 50,563 employees at 2,968 locations. PNC Bank, National Association has a A health rating.

Related Posts

PNC’s New Account Bonuses of up to $400 in Several States - 4/11/2014

PNC Bank has some new promotions for its Virtual Wallet accounts. If you live in one of the qualifying states, you can earn up to $400 in bonuses. This is a big increase from its past promotions. You ...

PNC’s $200 Checking Account Bonus in Several States - 2/3/2014

PNC Bank has started to offer a $200 checking account bonus. This is an upgrade to the bank’s usual $150 bonus. You still have to be careful to avoid monthly service charges. Here’s the link to PNC’s ...

Update on PNC’s $150 Checking Account Bonus - 8/14/2013

PNC Bank continues to offer a $150 checking account bonus. Since my last report on a PNC checking promotion, new fees have been announced. So it will require more caution for those who decide to give ...

10/30/11 - Update On PNC Bank's $100 Checking Account Bonus
10/7/11 - Updated Review of PNC's Virtual Wallet
10/7/11 - PNC's $100 Bonus for Opening a New Virtual Wallet Performance
9/7/11 - Higher ATM Fees & Paper Statement Fees at PNC, US Bank & Citizens Bank
8/17/11 - Open A PNC Bank Checking Account And Receive $100 Bonus
6/11/11 - PNC's New Mobile App To Deposit Checks via iPhone
3/17/11 - New ATM Fees at Chase and PNC - How It May Affect Your Interest Rates
3/1/11 - PNC Growth Lowered to 0.85% APY + New Requirements
2/22/11 - PNC Bank $100 Checking Account Bonus Update
2/1/11 - PNC Ending PNC Points For Most Accounts
1/3/11 - PNC Bank's $100 Checking Account Promotion in Certain States
10/31/10 - PNC Bank's Premium Money Market Account Promo
10/13/10 - PNC Bank's $100 Checking Account Bonus - Extended To 11/30/2010
8/29/10 - 1.40% 3-Month Money Market Promo At PNC Bank
8/27/10 - PNC Adds Features To Virtual Wallet & Bonus Reminder
8/8/10 - Update on PNC's Checking Account Bonus, Virtual Wallet and Deposit Strategy
7/12/10 - $125 to $150 Checking Account Bonus at PNC Bank
6/14/10 - $100 PNC Bank Checking Account Bonus & National City Conversion Update
5/17/10 - PNC Bank Checking Account Bonus
3/21/10 - PNC Bank Checking Account Bonuses Available in Some States
1/25/10 - $150 Checking Account Bonus w/DD at PNC Bank in Summit, New Jersey - Local Only
12/14/09 - Update on National City's $300 Bonus and PNC's $100 Bonus - Limited to Certain States
11/15/09 - $300 Checking Account Promotion at National City Bank in Some States
11/1/09 - $150 Checking Account Bonus at National City Bank in Some States
9/11/09 - $100 Bonus for Opening PNC's Virtual Wallet with Direct Deposit
6/3/09 - $75 Bonus for Opening a Checking Account with Direct Deposit at PNC Bank
4/26/09 - $75 Checking Account Bonus at PNC & National City - Update
3/19/09 - $75 Checking Account Bonus at PNC & National City
3/1/09 - $75 Checking Account Bonus Extended at PNC Bank
1/12/09 - $75 Checking Account/Direct Deposit Bonus at PNC Bank - Update
1/12/09 - Review of PNC Bank's Virtual Wallet, Checking/Savings Account
11/28/08 - Update on National City CDs and Money Market Promotions
11/17/08 - Update on National City CDs, Checking Account Bonus and News
10/24/08 - PNC to Buy National City
8/22/08 - $75 Checking Account/Direct Deposit Bonus at PNC Bank
7/7/08 - $100 Checking Account/Direct Deposit Bonus at PNC Bank - Update
6/4/08 - $100 Checking Account/Direct Deposit Bonus at PNC Bank
3/3/08 - Earn Up to $100 in PNC Bank's Checking Account Promotion - Update
8/7/07 - New $100 PNC Checking Account Promotion
7/20/07 - Earn Up to $100 in PNC Bank's Checking Account Promotion
5/3/07 - $50 Checking Account Bonus at PNC Bank

Check Deposit And Check Deposit Post To Account Time

Deposited my payroll check with PNC's ATM Deposit service around 11:30 pm on my way home from work. I had checked with them before going into work that day about deposit posting turnaround times and was assured that my funds "Oh, would for sure be available for use around the end of the business day". No. No they would not as it turns out. As of 4 pm the following day I am informed that " the atm deposit service is a day behind so your funds wouldn't be available until tomorrow". I wish I had just waited to go to wal-mart to cash it now. I only get one day off a week so now instead of spending it with my girlfriend who I had promised to take out on a date I get to spend it in the doghouse without even the money to purchase dinner for just myself. All thanks to PNC. I will NEVER bank with you again.

I LOVE My Virtual Wallet Acct!!

Before I elaborate on my Virtual Wallet with performance spend acct. I have to admit something... I work for a direct competitor of PNC.  With that being said this is NOT the opinion of some biased PNC employee.

Also, I have read all of the complaints below and I cannot believe how idiotic some of the people on here are.  Are you seriously going to complain about OD fees? Or that your elderly relatives caretaker took them to the bank and they comitted fraud? Or that the ATM doesn't return your card the second after cash is dispensed? I have news for you people, these are idiotic complaints and instead of blaming PNC or whichever bank you will switch to and have the same problems (you will) why not educate yourself on how to not overdraw your acct, or take your lazy ass to a banking center and withdraw your IRA so you can transfer it.


This is the best account set up for someone like myself who is into convienience banking.  I almost always use my debit card, have direct deposit, pay my bills online, and have auto transfer from checking to savings.  With that being said, I can do all of this and more w/ my virtual wallet.  The layout is in the form of a calendar which shows you the full picture for the month, I love this.  I also like how easy it is to navigate and manage the multiple accounts that comprise the VW (spend for everyday things, reserve for OD protection/short term savings, and growth for longer term/higher interest savings).  Not only do i get a decent interest rate on my growth balances (as of 6/14/11 it is higher than most banks in the Chicago market's shortest term CD special) I also earn rewards points for using my debit card and online banking.

The only improvements I would like to see are: an app for the android mobile phone OS that rivals the Itunes/Iphone version, and real time transaction balance posting like Chase bank does.

All in all PNC created the perfect acct for me and I think many more people such as myself will hopefully catch on to this because it's amazing.  It's as if they took everything I could ever want and fold it into a useful interface/acct pkg. I didn't even mention the budgeting tools they provide you with and the ability to ACH transfer money to other accts you may have at different banks or pay someone at another bank, again lifesavers!

If you're into online banking and you like having a complete view of your finances do yourself a favor and check the VW accts out!

PNC Banking

 My husband and I have a PNC account that we really enjoy. We originally had National City, but stayed with PNC when they were bought. We really enjoy the extra features that PNC has to offer, such as allowing you acess to your money sooner. It makes it very convienent to leave the money in the bank instead of withdrawing all the time. I have all I need as long as I have my Debit Card with me. I also enjoy that my bank is very friendly and personal. They strive to call us by name, and are very attentive to our needs, even the needs of our two toddlers (lollipops of course) I love PNC bank and as long as they continue to treat us well, we will gladly bank through them. 

Ongoing Battle With These Knuckleheads

Opened a new account and fulfilled all the requirements for the $150. promotion. Opened at the PNC branch inside the Giant supermarket in New Town (Owings Mills) MD. Just in case anyone lives around there, steer clear! Set up direct deposit within 60 days. made one Bill Pay within 60 days. total of all direct deposits greatly exceeded their required $2000. but PNC says that the $2000. had to be within the initial 60 days. Well, no, the fine print does not say that! I even kept the original promo offer *from their own ATM machine*. It does not require this. On the actual printout I got from *their own ATM* it does not say that. So why do these banks offer to pay us, and all they do is wind up creating ill will? I am fighting this and next step is to park my car outside the supermarket with a BIG sign on it. PNC is the worst. You would do better with a coffee can in the backyard.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 PNC Bank, National Association had $4.74 billion in non-current loans and owned real-estate with $40.43 billion in equity and loan loss allowances on hand to cover it. This gives PNC Bank, National Association a Texas Ratio of 11.73% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for PNC Bank, National Association decreased slightly from 16.12% as of March 31, 2013 to 11.73% as of March 31, 2014, resulting in a positive change of 27.23%.This indicates that the balance sheet and financial strength for PNC Bank, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, PNC Bank, National Association has increased its total deposits by $13.62 billion, resulting in 6.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth PNC Bank, National Association has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. PNC Bank, National Association has $313.36 billion in assets with $40.43 billion in equity, resulting in a capitalization level of 12.90%, which is excellent.

Institution Statistics

FDIC Certificate #6384
Year Established1804
Primary RegulatorOCC
Assets and Liabilities
Assets$313.36 billion
Loans$197.18 billion
Deposits$227.85 billion
Equity Capital$36.90 billion
Loan Loss Allowance$3.53 billion
Unbacked Noncurrent Loans$4.16 billion
Real Estate Owned$581.65 million
Historic Data - March 2013
Assets$290.11 billion
Equity Capital$36.34 billion
Loan Loss Allowance$3.83 billion
Unbacked Noncurrent Loans$4.16 billion
Real Estate Owned$855.69 million
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets1.09%
Return on Equity9.27%
Interest Income$2.38 billion

Sorry, we do not have rate data for PNC Bank, National Association


PNC Bank, National Association has 2,948 locations. Click to view all PNC Bank, National Association locations.