PNC Bank


Overview / Commentary
888-PNC-BANK
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 6th largest bank in the nation. It was established in 1804 and as of June of 2022, it had grown to 59,691 employees at 2,627 locations. PNC Bank has an A health rating.

Related Posts

Rate Increase - 3.50% APY High Yield Savings And Virtual Wallet Growth - 11/23/2022

Effective 11/17/2022, PNC raised their HYS and Virtual Wallet Growth rate to 3.45% (3.50% APY). This rate is valid for existing customers who opened outside of the PNC footprint as well as new customers who don't live in a PNC state. Much lower rates apply to people in the PNC banking area (with a slightly higher rate for ex-BBVA footprint residents compared to the historic PNC East Coast market area).

PNC High Yield Savings At 3.20% - 11/2/2022

The high yield rate has gone up to 3.20% from 1.80%. Only available in states where PNC does not have branches, which has gotten bigger since they bought BBVA a while back.

PNC 2.47% (2.50% APY) 13 Month CD - Ex-BBVA Locations - 10/31/2022

This is a "special" CD in select markets (mostly BBVA ones from my search). Not available in the online market, although High Yield Savings is now at 2.18% (2.20% APY). In the native PNC market (Pennsylvania and surrounding states), rates are at the usual pathetic 0.10% or below.

View all posts from:

11/21/18 - PNC Ups Relationship Account Rate
11/13/18 - PNC Hikes Rate On High Yield Savings Account
11/12/18 - PNC At 2.35%
10/5/18 - PNC Offers High Yield Savings Account
10/2/18 - PNC Bank 2.20% High Yield Account
4/5/17 - PNC Bank Extends $300 Checking Bonus Through June 30, 2017
9/29/16 - PNC $400 Checking Bonus With Bears Debit Card
8/24/16 - Open A PNC Bank Virtual Wallet And Earn Up To $300
10/7/14 - Open A New Virtual Wallet Checking Account At PNC And Earn Up To $300
4/11/14 - PNC’s New Account Bonuses of up to $400 in Several States
2/3/14 - PNC’s $200 Checking Account Bonus in Several States
8/14/13 - Update on PNC’s $150 Checking Account Bonus
8/14/13 - History of PNC Bank Bonus Payouts
6/11/13 - PNC Bank Announces It Will End Free Checking Accounts
7/10/12 - PNC Increases Checking Account Bonus to $150, But Beware of Fees
5/4/12 - PNC Virtual Wallet with Performance Spend, $100 Bonus But Beware of Fees
1/23/12 - PNC Advertisements Inside Online Bank Statements
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
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
3/1/11 - 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 - $100 Bonus for Opening PNC's Virtual Wallet with Direct Deposit
12/14/09 - Update on National City's $300 Bonus and PNC's $100 Bonus - Limited to Certain States
12/8/09 - Review of PNC Bank's Virtual Wallet, Checking/Savings Account
11/15/09 - $300 Checking Account Promotion at National City Bank in Some States
11/5/09 - $150 Checking Account Bonus at National City Bank in Some States
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
3/29/09 - $75 Checking Account Bonus at PNC & National City
3/1/09 - $75 Checking Account Bonus Extended at PNC Bank
3/1/09 - $75 Checking Account/Direct Deposit Bonus at PNC Bank - Update
1/16/09 - 5.00% 25-Month CD at National City Bank
11/28/08 - Update on National City CDs and Money Market Promotions
11/28/08 - Update on National City CDs, Checking Account Bonus and News
11/2/08 - New $150 Checking Account Bonus at National City
11/2/08 - 5.00% CDs Continue at National City
10/31/08 - 5.00% 19-Month CD at National City
10/23/08 - National City Raises Checking Account Bonus to $200
10/23/08 - $150 Checking Account Promotion at National City
10/18/08 - Update on National City's CD Promotion: 4.50% 13-Month CD
9/17/08 - Update on National City's CD Promotion: 5.25% 36-Month CD
8/24/08 - 5.00% 19-Month CD at National City and Update on the POD/FDIC Issue
8/22/08 - $75 Checking Account/Direct Deposit Bonus at PNC Bank
8/12/08 - Update on National City's Money Market and CD Promotions
8/4/08 - 4.00% Money Market Account for 180 Days at National City
7/26/08 - 5.25% 43-Month and 4% Money Market for 6 Months at National City
7/13/08 - 5.05% 43-Month CD at National City Bank
7/8/08 - $100 Checking Account/Direct Deposit Bonus at PNC Bank - Update
6/7/08 - Update on National City's CD Specials
6/4/08 - $100 Checking Account/Direct Deposit Bonus at PNC Bank
5/11/08 - Update on National City's 5% CD Special - New Shorter Terms
5/10/08 - Update on National City's 5% CD Special and Latest National City News
5/3/08 - National City CD Promotion Extended Again
4/13/08 - Update on National City's 5% CD and Latest Acquisition News
4/4/08 - Update on National City's CD Specials and Latest Acquisition News
3/24/08 - 5% 48-Month / 4% 24-Month CD Special Extended Again at National City
3/21/08 - 5.00% 48-Month / 4.00% 24-Month CD Special Continues at National City Bank
3/15/08 - 5.00% 48-Month CD at National City Bank Extended
3/10/08 - 5.00% 48-Month / 4.00% 24-Month CD at National City Bank
3/7/08 - Reminder: 5.00% 48-Month CD at National City Bank - Nationwide Availability
3/3/08 - Earn Up to $100 in PNC Bank's Checking Account Promotion - Update
2/23/08 - National City Bank Extends the 4.50% 48-Month CD Special
2/12/08 - 4.50% 48-Month CD at National City Bank
1/11/08 - 5.25% 48-Month CD and Money Market Special at National City Bank
1/1/08 - 5.25% 48-Month CD and 4.75% Money Market Promo at National City
12/17/07 - 5.25% 48-Month CD at MidAmerica Bank - Available Online Nationwide
9/18/07 - 5.25% 6-Month Money Market Savings Promotion at National City
8/7/07 - New $100 PNC Checking Account Promotion
7/20/07 - Earn Up to $100 in PNC Bank's Checking Account Promotion
6/25/07 - 5.50% 10-Month CD at a Florida Bank (Community Bank of Englewood)
5/6/07 - 5.35% 9-Month CD at National City
5/3/07 - $50 Checking Account Bonus at PNC Bank
6/25/06 - 5.58% 8-Month CD at a Florida Bank (open to all)
5/12/06 - 5.50% 18-Month CD at a New Jersey/Pennsylvania Bank
4/25/06 - 5.30% 15-Month CD at a Florida Bank
2/12/06 - 5.02% 13-Month CD at a Florida Bank
1/18/06 - Up to $75 in Bonuses at PNC Bank
12/2/05 - 5% 9-Month CD at N. Virgina Bank
10/20/05 - $35 Gift Cards for Checking at PNC Bank

Reviews (175)

Love PNC Bank

Posted by: |

I had a few overdrafts on my account and I called and spoke to them and they refunded me a pretty good chunk of money when it was totally my fault and they didn’t have to. Thank You PNC!!

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.

PNC Review

They were slow in processing a transaction and vague on where the transaction was . Their fee on stopping a future payment was not appropriate. A person should have control over their own checking account without being charged a fee to stop a future payment.

Beoyond Reproach

Posted by: |

I have been a PNC customer for both personal and business banking for over 13 years.
I cannot comment on the personal side; On the business side, PNC is beyond reproach. I am quite livid with the degradation of quality of service and ability to execute, especially with their Pinnacle system.
A perfect example, and one of many, would be my request to close the pinnacle account.
I requested to have it closed 3 weeks ago. I had not heard back from anyone for 2 weeks, so I reached out to (1) ensure the process is being executed and (2) that I would not be charged for the following month's pinnacle system. I was asked to send an email to the individual processing the request last week. Today I find a $163.50 charge for the pinnacle system. Naturally I called the business support at which point the rep confirmed that I should not have been charged but gives me yet another email address to write requesting resolution for the charge.
Its a shame because it was a great bank until last year.
My accountant suspects PNC is under water and using customer funds to cover their cash flow. At first I thought it was a silly idea but with each interaction I am more convinced she is right. I do hope FRB, FDIC and SEC are going to look into PNC's practices. It seems that they are the BoA of 2022.

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Health

Health Grade Components

Overall
FDIC Certificate #6384
Year Established1804
Employees59691
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD11.42%
Annual Interest Income$6.15B
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$534.3B$454B
LoansQ2 2022vs Q2 2021$307.6B$232B
DepositsQ2 2022vs Q2 2021$447B$375.5B
Equity CapitalQ2 2022vs Q2 2021$44.35B$46.39B
Loan Loss AllowanceQ2 2022vs Q2 2021$4.46B$4.05B
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.88B$2.53B
Real Estate OwnedQ2 2022vs Q2 2021$22.1MM$23.6MM
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
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
0.05%*$1m*-Premiere Money Market Account with Performance Select Checking
OTHER TIERS: 0.04% $1 - $1m
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
2.20%--Virtual Wallet® Checking Pro
0.05%*$1m*-Virtual Wallet - Growth w/ Performance Select Relationship Rate
OTHER TIERS: 0.04% $1 - $1m
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®

PNC Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$25k*-13 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.04% $1k - $25k
0.04%*$25k*-9 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-19 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-25 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-37 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-61 Month Fixed Term CD Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.03%*$25k*-1 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-3 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-6 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-12 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-18 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-24 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-36 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-48 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-60 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-84 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-120 Month CD
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.02%$1k-12 Month Ready Access CD
0.01%$1k-3 Month Ready Access CD

PNC Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$25k*-13 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.04% $1k - $25k
0.04%*$25k*-9 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-17 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-25 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-37 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.04%*$25k*-61 Month Fixed Term IRA Special
OTHER TIERS: 0.01% $1 - $1k | 0.03% $1k - $25k
0.03%*$25k*-6 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-12 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-18 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-24 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-36 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-48 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-60 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-84 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
0.03%*$25k*-120 Month IRA
OTHER TIERS: 0.01% $1 - $1k | 0.02% $1k - $25k
Locations

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