PNC Bank

Overview / Commentary

www.pnc.com

888-762-2265

222 Delaware Ave
Wilmington, DE 19801

PNC Bank is headquartered in WILMINGTON and is the largest bank in the state of Delaware. It is also the 6^th largest bank in the nation. It was established in 1804 and as of December of 2023, it had grown to 56,062 employees at 2,401 locations. PNC Bank's savings rates are 9X the national average, and it has a B+ health rating.

PNC High Yield Savings Ticks Up To 4.50% APY - 5/19/2023

Effective May 12, 2023. "Only available online in California, New Mexico, Colorado, Texas, Arizona, and West Virginia." The Virtual Wallet Growth rate for grandfathered customers remains at 4.00% APY The 9 month CD, in the Southern California market at least, is 4.60% APY. SO they are trying to stay competitive, for a big bank.

View all posts from:

2023
2022
2020
Earlier

5/19 - PNC High Yield Savings Ticks Up To 4.50% APY
4/27 - PNC High Yield Savings 4.30%
2/21 - PNC MONEY MARKET 4.25% APY

12/15 - PNC Bank Joins The 4% Club
12/13 - PNC High Yield Savings/Virtual Wallet At 4% APY
11/23 - Rate Increase - 3.50% APY High Yield Savings And Virtual Wallet Growth
11/2 - PNC High Yield Savings At 3.20%
10/31 - PNC 2.47% (2.50% APY) 13 Month CD - Ex-BBVA Locations
9/21 - PNC High Yield Savings At 1.80%

12/2 - PNC Rate Drop For Out Of Area Customers

Reviews (251)

Ethically Done

Posted by: Florence50 | May 16, 2024

Apparently I have been married for 5years and I had three kids for my husband but he always came home late often and claimed he was busy late at the office, I just had access to his Facebook,Instagram,Snapchat,whatsapp and text messages and found out he was sleeping with my friend from work. It’s obvious life gets at you fast! I’m glad I knew this as soon as possible all thanks to Thomas never ever fail me Contact him on tomcyberghost@ gm ail. com Text,Call and WhatsApp +1(404) 941-6785

Comment

PNC Worked Hard To Lose My Business

Posted by: proximus18 | May 28, 2018

I was a Virtual Wallet Performance Select customer for over 8 years and a number of failings on PNC's part, in a period of 2 months, has made me walk away. 1) If you are invited to join the Private Client program, be warned. It is just an aggressive marketing campaign. (fwiw .... I joined for the priority customer service number). I was receiving calls every 2-3 days to meet with an advisor. I was extraordinary polite .. telling him thank you for reaching out to me, but I don't need anything at this time, etc. After repeatedly asking for the calls to stop, I was told ..... "If the calls are too much of an inconvenience, we can get you opted out of the program". Guess What?! I have opted out of PNC. 2) Botched replacement of my credit card after fraudulent activity. Long story. 3) Changes to the branch. The drive-throughs are now closed. The inside teller windows are now closed. You are now required to go and sit at a desk in an enclosed office to perform any transaction. Of course, you are promoted to discuss other products you may want. Dear PNC, I just want the great service that you used to provide ... not constant in-my-face marketing.

Beware Personal Information Shared

Posted by: pezofdoom | Feb 9, 2024

Filled out an application for a home equity line of credit. Not five minutes after finishing the application the phone number we used on the form started getting telemarketer spam calls for similar products.

Either PNC or one of their "trusted" affiliates sold our information to a massive number of solicitors. Over 20 telemarketer calls per day across two weeks, including Saturdays and Sundays. Didn't matter that the phone number was on the National do not call list. Do not work with this bank unless you're okay with the constant barrage of harassment you'll get from email & phone calls when your info gets shared.

Their marginally better rates do not make up for what they did.

Comment

Never Ever Again

Posted by: Steveo59 | Apr 17, 2024

I never write reviews, but after today I had to, I recently had a credit I was checking on so I called customer service, I already confirmed my identity through the automated system. This so called rep who I couldn't understand had me on the phone verifying purchases just to get into the acct. After the 6th question I had enough, it got to the point they actually hung up. I am done with this low rated so called bank no wonder they are closing everywhere good ridden, there are plenty of other great banks with way better rewards. Don't even bother stay away from them!!!!

Comment

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Health

B+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	6384
Year Established	1804
Employees	56062
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	12.48%
Annual Interest Income	$24.2B

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$557.5B$552.3B
Loans	Q4 2023vs Q4 2022	$317.5B$322.3B
Deposits	Q4 2023vs Q4 2022	$429B$442B
Equity Capital	Q4 2023vs Q4 2022	$50.11B$43.88B
Loan Loss Allowance	Q4 2023vs Q4 2022	$4.79B$4.74B
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$2.92B$2.77B
Real Estate Owned	Q4 2023vs Q4 2022	$31MM$29MM

Rates

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Savings
Money Market
Checking
CD
IRA

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

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

PNC Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%^†	-	-	PNC High Yield Savings
0.03%^*^†	$2.5k^*	-	Standard Savings with PNC checking
OTHER TIERS: 0.02% → $1 - $2.5k
0.01%^†	$1	-	S is for Savings
0.01%^†	$1	-	Standard Savings

PNC Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*^†	$100k^*	-	Premiere Money Market Account with Performance Select Checking
OTHER TIERS: 0.04% → $1 - $100k
0.04%^*^†	$1m^*	-	Premiere Money Market Account with Performance Checking
OTHER TIERS: 0.03% → $1 - $1m
0.02%^†	$1	-	Premiere Money Market Account

PNC Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%^†	-	-	Virtual Wallet® Checking Pro
1.00%^*^†	$100k^*	-	Virtual Wallet - Growth w/ Performance Select Relationship Rate
OTHER TIERS: 0.04% → $1 - $100k
0.04%^*^†	$1m^*	-	Virtual Wallet - Growth w/ Performance Spend Relationship Rate
OTHER TIERS: 0.03% → $1 - $1m
0.03%^*^†	$2.5k^*	-	Virtual Wallet - Growth Relationship Rate
OTHER TIERS: 0.02% → $1 - $2.5k
0.03%^*^†	$2.5k^*	-	Virtual Wallet Student - Growth Relationship Rate
OTHER TIERS: 0.02% → $1 - $2.5k
0.01%^†	$1	-	Virtual Wallet - Growth Standard Rate
0.01%^†	$1	-	Virtual Wallet - Growth w/ Performance Select Standard Rate
0.01%^†	$1	-	Virtual Wallet - Growth w/ Performance Spend Standard Rate
0.01%^†	$1	-	Virtual Wallet - Reserve
0.01%^†	$2k	-	Virtual Wallet w/ Performance Spend
0.01%^†	$1	-	Virtual Wallet w/ Performance Spend - Reserve
0.01%^†	$1	-	Virtual Wallet w/ Performance Select - Reserve
0.01%^†	$2k	-	Virtual Wallet w/ Performance Select
0.01%^†	$1	-	Virtual Wallet Student - Reserve
0.01%^†	$1	-	Virtual Wallet Student - Growth Standard Rate
0.01%^†	-	-	Virtual Wallet® - Spend

PNC Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.05%^†	$1k	-	4 Month Fixed Term CD Special
4.25%^†	$1k	-	7 Month Fixed Term CD Special
2.00%^†	$1k	-	13 Month Fixed Term CD Special
2.00%^†	$1k	-	61 Month Fixed Term CD Special
1.75%^†	$1k	-	37 Month Fixed Term CD Special
1.50%^†	$1k	-	25 Month Fixed Term CD Special
1.25%^†	$1k	-	19 Month Fixed Term CD Special
0.05%^†	$1k	-	9 Month Fixed Term CD Special
0.03%^*^†	$25k^*	-	1 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	3 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	6 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	12 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	18 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	24 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	36 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	48 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	60 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	84 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	120 Month CD
OTHER TIERS: 0.02% → $1k - $25k
0.02%^†	$1k	-	12 Month Ready Access CD

PNC Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^†	$1k	-	7 Month Fixed Term IRA Special
2.00%^†	$1k	-	61 Month Fixed Term IRA Special
2.00%^†	$1k	-	13 Month Fixed Term IRA Special
1.75%^†	$1k	-	37 Month Fixed Term IRA Special
1.50%^†	$1k	-	25 Month Fixed Term IRA Special
1.25%^†	$1k	-	17 Month Fixed Term IRA Special
0.05%^†	$1k	-	9 Month Fixed Term IRA Special
0.03%^*^†	$25k^*	-	6 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	12 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	18 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	24 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	36 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	48 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	60 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	84 Month IRA
OTHER TIERS: 0.02% → $1k - $25k
0.03%^*^†	$25k^*	-	120 Month IRA
OTHER TIERS: 0.02% → $1k - $25k