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888-PNC-BANK
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 December of 2013, it had grown to 50,765 employees at 2,967 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.

Horrible treatment From The PNC Bank Lincoln Park Location In Chicago.

 , the Branch Manager of the Lincoln Park location was extremely rude and hostile in dealing with my fiancee's questions regarding her bank account. There was no attempt to be friendly/ cordial with the customer (i.e. us) Zero customer service. Her attitude was impatient and nasty. I will not recommend this bank to anybody. It is baffling how PNC can stay in business with this type of employee running the branch. I could not believe how rude this woman is.

We will be closing our account and transferring the funds to another bank: definitely one that knows how to treat us like human beings. Awful experience and you can be sure all our friends will be informed about this incident.

Branch Managers should set the example of good customer service and not abuse their position of power and leadership.

PNC Is Bad For Families And Bad For Business

PNC took over a local branch of another bank and we imediately saw changes. They found "cause" to fire everyone over 40, including 2 long time employees. At first I have to admit I didn't think anything of it. They brought in cute young tellers and updated the furniture and the paint in the place. Everything looked great. But experience is what matters. A lady we knew took one of our elderly family memebers who had dementia to the bank and the young tellers didn't question anything. This woman switched all the relative's money into a safty-deposit box and then kept both keys, telling this elder that it was best for safety's sake. This woman also had the family member verbally revoke a power-of-atourney and again, the bank workers didn't question anything. When we confronted the bank about this, instead of recognizing and correcting their error, they became defensive, refered us to the legal department and closed down not just my mother's personal accounts but business accounts as well. However, without informing me they kept my account that had been joint with ours open. It took me 6 months to discover they had been making money off of my un-closed account. The bank made a difficult situation worse. PNC is marketing for the 20 and 30 somethings. Well, I'm a twenty something and they will never have my business. You treat older people in our community like that and you should expect to loose business.

WORST BANK EVER

Where to even begin...

I was with National City when PNC bought them out.  I never received an updated debit card from PNC.  I called about this and was advised one was requested and in mail to me.  After a month of not receiving it and the date looming near of my National City card not working anymore, I went into a branch to have this taken care of.  The person I spoke with had been flown in from New Jersey to help with the merger...why they chose him...not real sure.  He advised me I could call and request it...I told him he could do it, and I would stand there until it was taken care of.  He called and got it taken care of so I thought.  He assured me I could still use my National City card until the PNC card arrived.

Cut to a few days later.  I'm in line at grocery store with a cart full of groceries and my 2 year old...I go to use my card, and it's declined.  So after being embarrassed by this, I leave my cart full of groceries and walk to the PNC located in front of the grocery store with my 2 year old.  I withdrew enough money to get me through and tried to calculate how much money I needed to keep in there for bills that were going through...not an easy task at this point with a 2 year old and another useless person behind the desk helping me.  I withdrew the money and also requested an order of checks be sent to my house as I still had National City checks.

A couple months later (still no checks had arrived), my husband and I had to move money around to each other for certain bills.  I moved money to his account, and that same day I moved it back to my account when we realized the charge would come to my account.  This created an overdraft fee for the 15 minutes the money was out of my account.  Really?  When I called to dispute this, the person on the phone was very argumentative with me and kept saying that while he is able to get the overdraft charge reversed, this isn't something that they do.  I have never been spoken to so rudely in my life.

Here we are now...yet again...another issue with overdraft charges.  I check my account and see 5 overdraft charges at $38 each in my account.  The first two overdraft charges occurred while there was still money in the account.  Consequently, charges that came through after that generated more overdraft charges.  Then a $2000 check gets deposited in my account that Friday, and 2 more overdraft charges occurred after that...once more overdraft charges occurring while there is money in the account.  I call PNC once more about this and am advised that I need to take my time and make the trip into a local branch to get these charges overturned.  I go into my local branch and speak with Tom, the manager on site.  He advises me he will check into getting them reversed and that he wasn't sure why there were overdraft charges while money was still in account, unless the money wasn't there.  He admitted their statements are confusing to read.

I'm sorry, but if I see money in my account and overdraft charges in there...that's not right.  There should be no overdraft charges.  Don't give me a story about how it could be these ghost pending charges out there and not be able to show that to me on my statement...as he couldn't.  I had to leave for a flight so he informed me he'd follow up with me.  After I didn't hear back from him, I called and left him a message over the weekend.  Today is Monday, and I still hadn't heard from him so I contacted him again.  He advised me he was able to get 1 overdraft fee returned (which still hasn't shown up yet of course!) but no reason as to why only 1...when 2 charges occurred while money was still in account and when 2 more occurred after money was account.

I informed him I was leaving and going to Chase once my paycheck was deposited this Friday.  He became argumentative and advised me it would the same thing with them.  I informed him that when it was National City, my checks were available that same day they were deposited.  If we moved money around our accounts, that money was available that same day.  It's not with PNC, and I'm done with it.  I'm done with the fake overdraft charges, and I'm done with the lack of customer service.  He kept argueing basically advising me I was wrong and that I needed to read the fine print with Chase.  Time to let it go Tom.  Rather than argue with me about my leaving...help me.

PNC is losing a solid customer with direct deposit set up on their account because of the above.  My fault for staying with them as long as I did after the first few occurrences.  Ridiculous.  I have no idea how this bank is even still in business.

 

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 PNC Bank, National Association had $4.95 billion in non-current loans and owned real-estate with $40.11 billion in equity and loan loss allowances on hand to cover it. This gives PNC Bank, National Association a Texas Ratio of 12.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for PNC Bank, National Association decreased slightly from 16.04% as of December 31, 2012 to 12.33% as of December 31, 2013, resulting in a positive change of 23.10%.This indicates that the balance sheet and financial strength for PNC Bank, National Association has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, PNC Bank, National Association has increased its total deposits by $9 billion, resulting in 4.15% 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.

Capitalization

GRADE:
A+

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 $310 billion in assets with $40.11 billion in equity, resulting in a capitalization level of 12.94%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #6384
Year Established1804
Employees50765
Primary RegulatorOCC
Assets and Liabilities
Assets$310.00 billion
Loans$194.65 billion
Deposits$225.74 billion
Equity Capital$36.50 billion
Loan Loss Allowance$3.61 billion
Unbacked Noncurrent Loans$4.34 billion
Real Estate Owned$604.50 million
Historic Data - December 2012
Assets$295.03 billion
Equity Capital$36.27 billion
Loan Loss Allowance$4.04 billion
Unbacked Noncurrent Loans$4.34 billion
Real Estate Owned$887.47 million
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets1.18%
Return on Equity9.68%
Interest Income$9.87 billion
Rates

Always verify rates and promotions with the bank or credit union. We are not PNC Bank, National Association, we are a rate comparison website and can not provide official rates or promotions.

PNC Bank, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.14%$500k-Savings Max
0.01%--Statement Savings
0.01%--S is for Savings

PNC Bank, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$500k-Premium Money Market Account

PNC Bank, National Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$2k-Performance Interest Checking
0.01%$2k-Performance Select Interest Checking

PNC Bank, National Association CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$500k-120 Month CD
1.50%$500k-120 Month CD with Choice/ Premium Plan
1.50%$500k-120 Month CD with Performance/ Performance Select Checking
1.25%$500k-84 Month CD
1.25%$500k-84 Month CD with Choice/ Premium Plan
1.25%$500k-84 Month CD with Performance/ Performance Select Checking
1.10%$10k-60 Month Callable CD Promo
1.10%$10k-60 Month Callable CD Promo with Choice/ Premium Plan
1.10%$10k-60 Month Callable CD Promo with Performance/ Performance Select Checking
1.00%$500k-60 Month CD
1.00%$500k-60 Month CD with Choice/ Premium Plan
1.00%$500k-60 Month CD with Performance/ Performance Select Checking
0.75%$500k-48 Month CD
0.75%$500k-48 Month CD with Choice/ Premium Plan
0.75%$500k-48 Month CD with Performance/ Performance Select Checking
0.50%$10k-36 Month Callable CD Promo
0.50%$10k-36 Month Callable CD Promo with Choice/ Premium Plan
0.50%$10k-36 Month Callable CD Promo with Performance/ Performance Select Checking
0.45%$500k-36 Month CD
0.45%$500k-36 Month CD with Choice/ Premium Plan
0.45%$500k-36 Months CD with Performance/ Performance Select Checking
0.43%$500k-24 Month CD
0.43%$500k-24 Month CD with Choice/ Premium Plan
0.43%$500k-24 Month CD with Performance/ Performance Select Checking
0.37%$500k-18 Month CD
0.37%$500k-18 Month CD with Choice/ Premium Plan
0.37%$500k-18 Month CD with Performance/ Performance Select Checking
0.24%$500k-12 Month CD
0.24%$500k-12 Month CD with Choice/ Premium Plan
0.24%$500k-12 Month CD with Performance/ Performance Select Checking
0.20%$500k-9 Month Fixed Term CD Promo with Performance/ Performance Select Checking
0.17%$500k-9 Month Fixed Term CD Promo with Choice/ Premium Plan
0.15%$1k-12 Month Ready Access CD
0.15%$1k-12 Month Ready Access CD with Choice/ Premium Plan
0.15%$1k-12 Month Ready Access CD with Performance/ Performance Select Checking
0.15%$500k-9 Month Fixed Term CD Promo
0.14%$500k-6 Month CD
0.14%$500k-6 Month CD with Choice/ Premium Plan
0.14%$500k-6 Month CD with Performance/ Performance Select Checking
0.09%$500k-3 Month CD
0.09%$500k-3 Month CD with Choice/ Premium Plan
0.09%$500k-3 Month CD with Performance/ Performance Select Checking
0.05%$1k-1 Month CD
0.05%$1k-3 Month Ready Access CD
0.05%$1k-1 Month CD with Choice/ Premium Plan
0.05%$1k-3 Month Ready Access CD with Choice/ Premium Plan
0.05%$1k-1 Month CD with Performance/ Performance Select Checking
0.05%$1k-3 Month Ready Access CD with Performance/ Performance Select Checking

PNC Bank, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500k-120 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.50%$500k-120 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
1.50%$500k-120 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
1.25%$500k-84 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.25%$500k-84 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
1.25%$500k-84 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
1.00%$500k-60 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.00%$500k-60 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
1.00%$500k-60 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.75%$500k-48 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.75%$500k-48 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.75%$500k-48 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.45%$500k-36 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.45%$500k-36 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.45%$500k-36 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.43%$500k-24 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.43%$500k-24 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.43%$500k-24 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.37%$500k-18 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.37%$500k-18 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.37%$500k-18 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.24%$500k-12 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.24%$500k-12 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.24%$500k-12 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.20%$500k-9 Month Fixed Term IRA Promo with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
0.17%$500k-9 Month Fixed Term IRA Promo with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.15%$500k-9 Month Fixed Term IRA Promo (Traditional,Roth,SEP,SIMPLE,CESA)
0.14%$500k-6 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.14%$500k-6 Month IRA with Choice/ Premium Plan (Traditional,Roth,SEP,SIMPLE,CESA)
0.14%$500k-6 Month IRA with Performance/ Performance Select Checking (Traditional,Roth,SEP,SIMPLE,CESA)
Locations

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