Written by Katie Ziraldo | Edited by Ali Cybulski | Updated on 05/30/2025
With more than 2,600 branch locations and a wide network of about 60,000 ATMs, PNC Bank is one of the largest commercial banks in the country. The Pittsburgh-based institution offers a full suite of personal banking products and services, including checking and savings accounts, money market accounts, and certificates of deposit (CDs).
- Digital wallet: PNC Bank’s popular Virtual Wallet combines checking and savings accounts with digital tools for managing your money. The Virtual Wallet has three components, including a primary checking account called Spend, a secondary checking account for short-term planning called Reserve and a savings account called Growth. With qualifying direct deposits, the monthly service fee is waived.
- New customers who sign up for the Virtual Wallet may be eligible for a bonus based on the product selected. Note that the bonus offer depends on product availability and may vary based on where you open your account and the ZIP code of your primary address.
- Savings account: PNC Bank’s Standard Savings requires no minimum deposit to open but a minimum balance of $1 to earn interest. The account has a $5 monthly service charge that can be waived if you meet one of the requirements.
- CDs: Savers can select from two types, including fixed-rate CDs or fixed-rate individual retirement account (IRA) CDs. The fixed-rate CD requires a minimum opening deposit of $1,000; the minimum initial deposit is $250 for the fixed-rate IRA CD. A variety of CD terms is available for both.
An early withdrawal penalty applies with either type of CD if you try to withdraw your balance before the term ends.
Note that availability of specific CDs and features may vary based on your location. PNC Bank recommends scheduling an appointment with a specialist to open an account.
Customer support: Customers have many options, including chatting online, visiting a branch if you have one nearby or connecting via social media. You can also call 888-762-2265 for live support from 8 a.m. to 9 p.m. Eastern time (ET) Monday through Friday and from 8 a.m. to 5 p.m. ET Saturday and Sunday. PNC Bank offers a mobile app for Apple and Android users as well.
PROS
• Operates a large branch and ATM network
• Offers Virtual Wallet with a variety of digital tools
• Provides a variety of CD terms
CONS
• Pays low rates on savings and money market accounts
• Changes availability by location for some products
• Does not give an option for CDs to be opened online
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
Good Experience
I've used PNC for several years now with no issues. The limited number of customer service interactions I've had with them have been positive. The one criticism I do have is the advertisement of products in my area that require certain account types; however, not all account types are available in my area. This doesn't make any sense to me. Apart from that, I've had no issues. I've read a few of the other user's comments and I think most can be cracked up to user error, not bank errors. It seems many didn't read the terms and conditions of the account, and got hit with a fee for not meeting the requirements. I have never once been charged a fee from PNC and they are easy to avoid.
Beware Personal Information Shared
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.
Started Charging Me Random Fees
I banked with them off and on for over 12 years. My latest experience is the last I will ever have with this bank. I opened an account and it received direct deposits for several months before I switched jobs and the direct deposits stopped. There was over $9000 sitting in the account at that point and the account had no activity on it but it met the minimum to avoid fees. So they started charging $3 a month for 'scanned check fee'. I saw 4 of those on my statement, then a $5 charge for the same thing. When I saw this I freaked out and thought there was fraudulent activity on my account, but the only activity was the charge for these 'scanned checks'. Now keep in mind there was not one single check written on this account. These garbage fees showed up with no notice. Long story short, I contacted the bank and customer service was useless. I went to a branch and the branch manager actually shrugged at me and said 'the computer is not letting me reverse the charges'. Oh. Well, Tee-hee, isn't that adorable? What customer wouldn't be satisfied with that? Are you kidding me? So I closed the account and filed a complaint with the regulating agency of this bank. Oh, now they want to talk to me. Some wonk called me and the first thing I here is 'this is a recorded line'. So hung up on that, get an email about 'resolving this issue'. I said the resolution is to refund me the $17 that was taken out in junk fees for a service not disclosed and certainly not actually used since no checks were written on this account. I finally got my $17. Yes, it is a small amount but it is MY money. Do not just roll over when a bank starts in with junk fees. If nothing else, complain to as many regulators, BBB, State Attorney, whatever to cost them way more in lost man hours answering the complaints regarding $17. If they know people will fight them tooth and nail when they raid our accounts, they will stop doing it. There are so many class action lawsuits that spring from situations like this. No bank wants to be on the radar screen of a regulating agency for engaging in grift and junk fees. I will never do business with this bank again.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6384 |
| Year Established | 1804 |
| Employees | 54383 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.16% |
| Return on Equity - YTD | 11.82% |
| Annual Interest Income | $6.1B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $549.3B$562B |
| Loans | Q1 2025vs Q1 2024 | $315.6B$315.8B |
| Deposits | Q1 2025vs Q1 2024 | $429.5B$432.3B |
| Equity Capital | Q1 2025vs Q1 2024 | $55.39B$50.23B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $4.54B$4.69B |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.78B$3.12B |
| Real Estate Owned | Q1 2025vs Q1 2024 | $26.4MM$30.2MM |
