PNC Bank


Overview / Commentary
888-762-2265
300 Fifth Ave.
Pittsburgh, PA 15222

PNC Bank originated in 1852 and is now the sixth-largest commercial bank in the nation by consolidated assets, according to the Federal Reserve. The bank is a coast-to-coast franchise in 30 markets, with about 2,300 branches and 60,000 PNC and partner ATMs.

If you want a full suite of personal banking products and services, PNC Bank can be a good option. You can access checking, savings, certificates of deposit (CDs) and more.

PNC Bank offers a Virtual Wallet that combines checking and savings accounts with digital tools for managing your money. With qualifying direct deposits, the monthly service fee is waived on the checking account, and you’ll be eligible for a relationship rate on the savings account. That annual percentage yield (APY) is 4.00% on balances over $1.

The bank’s high-yield savings account has an APY of 4.65%, but it's only available in eligible markets or at select PNC locations. You’ll pay no monthly service fees, and the account has no minimum initial deposit or balance requirements.

CD options include terms from seven days to 10 years, with a minimum deposit of $1,000. The bank offered a 4-month CD with an APY of 5.05% and a minimum deposit of $1,000, as of May 21, 2024. Availability may vary based on location, and the bank encourages people to schedule an appointment with a PNC specialist.

For personal banking customer service, call 888-762-2265 from 8 a.m. to 9 p.m. Eastern time Monday through Friday or 8 a.m. to 5 p.m. ET Saturday and Sunday. You can also visit a branch for support.

PNC Bank pros and cons

Pros:
• Large branch network
• Robust digital banking capabilities, including the Virtual Wallet
• High-yield savings account with a competitive rate (Note: not available in all markets)

Cons:
• Services are not available nationwide
• Product availability varies by PNC location
• CDs must be opened by appointment

Reviews (252)

Ethically Done

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

PNC Worked Hard To Lose My Business

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: |

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.

Never Ever Again

Posted by: |

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!!!!

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Health
B+

Health Grade Components

Overall
FDIC Certificate #6384
Year Established1804
Employees55195
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD11.58%
Annual Interest Income$6.47B
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$562B$556.3B
LoansQ1 2024vs Q1 2023$315.8B$322.8B
DepositsQ1 2024vs Q1 2023$432.3B$446.7B
Equity CapitalQ1 2024vs Q1 2023$50.23B$45.63B
Loan Loss AllowanceQ1 2024vs Q1 2023$4.69B$4.74B
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.12B$2.79B
Real Estate OwnedQ1 2024vs Q1 2023$30.2MM$30.8MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$0-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.65%$0-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%$0-Virtual Wallet® - Spend

PNC Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability

Columbus Area

Interactive local rates map


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