PNC Bank Overview

PNC Financial Services Group, Inc., commonly known as PNC Bank or simply PNC, is among the nation's top 10 largest banks. Its online accounts include PNC Simple Checking, Virtual Wallet, and Virtual Wallet with Performance Select. Additionally, PNC provides tailored services for students, military members, and non-native English speakers. A significant perk of PNC's checking accounts is the access to big bank services, including in-branch assistance.

PNC Bank at a Glance

Suitable For?

PNC is ideal if you want the convenience of mobile and online banking combined with traditional banking services such as paper checks, bank branches, and business account services. However, you’ll also have to be comfortable with paying higher transaction costs than those charged by most online-only fintech platforms.

PNC also has several perks for military veterans and active service members. These include lower account fees, access to VA home loans, and military-themed debit cards.

Cutting-Edge Banking Services

All Virtual Wallet accounts give you access to features such as spending categories, which let you see where your money is going, and access to Zelle® so you can send and receive money. You can also create savings goals online and track your progress through the app or online banking.

The Low Cash Mode® feature mitigates overdraft costs. When you’re close to using up all the money in your account, you receive a personalized alert about it. You then have a 24-hour window to transfer or deposit cash if your balance dips below zero. A maximum of one $36 overdraft item fee is applicable daily.

Another noteworthy feature is PNC Express Funds, which provides instant access to deposited checks. For added convenience, PNC Card Free Access allows you to use ATMs without your physical card. Just sign into the app to get a code you can use when your card is not with you.

Traditional Banking Services

PNC is a comprehensive, full-service bank, offering products such as credit cards, mortgages, children’s savings accounts, certificates of deposit, loans, IRAs, investments, and refinancing. You can also access 60,000 PNC and partner ATMs nationwide for fee-free transactions and over 2,200 branch locations.

Interest Rates and Fees

Rates and fees for PNC checking accounts and other banking services vary by region. Only the Virtual Wallet with Performance Select accounts offer interest rates (of 0.01%) on checking balances.

Fees vary depending on the account:

Customer Service and Online Experience

PNC provides phone support, Monday to Friday, 8:00 a.m. to 9:00 p.m. ET, and on weekends from 8:00 a.m. to 5:00 p.m. ET. Additionally, you can reach the support team through X (formerly known as Twitter) Monday to Sunday, 6:00 a.m. to midnight ET.

PNC prioritizes accessibility with features such as drive-through banking and talking ATMs. Interpreter services are available in over 240 languages, and select ATMs offer menus in 10 languages.

On Trustpilot, PNC holds a 1.3 rating based on nearly 1,000 reviews. While negative reviews vary, many express frustration with the customer support system and dissatisfaction with transaction fees.

PNC is not accredited by the Better Business Bureau (BBB) but holds an A+ rating. However, it receives a 1.11 rating on the BBB website. Complaints on the BBB site detail difficulties with accessing accounts and challenges in resolving issues through customer service.

Mobile App

The PNC mobile app is available for both Android and iOS. It lets you:

• Pay bills
• Review balances and transactions
• Transfer or send money
• Use voice banking
• Deposit checks
• Create savings goals and track your progress
• Make an appointment at a branch

The menu and design of the app are intuitive and easy to navigate. The mobile app gets a 4.5 review on the Google Play store, based on over 340,000 reviews, and a 4.8 score at the Apple Store, based on over 1.4 million ratings.

Security

The PNC Bank website uses Extended Validation (EV) SSL certificates to encrypt a website’s connection and authenticate it. This provides an additional layer of security to standard SSL encryption.

The app also allows you to sign in with 2-factor authentication as well as face and fingerprint ID. In addition, you are asked security questions when you log into your account to verify your identity.

PNC has a dedicated security team that you can reach by phone. In addition, there is a PNC Victims Assistance Program, which offers tips to help you prevent identity theft and what to do if you’re the victim of identity theft.

Application Process

You can visit a PNC branch to open an account in person. You can also set up your account online with these steps:

• Visit the signup page.
• Fill out your information, including your name, contact information, social security number, date of birth, and employment information.
• Provide a copy of your ID.
• Read and agree to the terms and conditions.
• Fill out information about how you’ll be using the account and the services you need.
• Wait for your application to be approved.

PNC Bank Summary

PNC provides three types of accounts: Simple Checking, for those who want a hassle-free product with no overdraft fees, as well as Virtual Wallet and Virtual Wallet with Performance Select, both of which can be opened as a checking account or as both checking and savings account. The bank extends special discounts if you’re a current or former member of the military. You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions.*

The monthly fees can be waived, and there's no mandatory opening deposit if you open online. With tens of thousands of ATMs and branches nationwide, PNC ensures widespread accessibility, including services in multiple languages.

Physical Address

The Tower at PNC Plaza

300 Fifth Avenue

Pittsburgh, PA 15222

Disclaimer

*You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate, and other specialty titled accounts are excluded from this offer.

You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions. After you open a checking product, you must remain in that product to receive the corresponding reward; changing your checking product after account opening could result in your offer eligibility, terms, and corresponding reward amount changing.

Offer is valid 2/27/2026 through 5/28/2026 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.

To receive the reward:

1) Open a new, eligible PNC checking product online via the application links on this page. 2) Set up and receive total qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency into the Spend account. The total amount of all qualifying direct deposits received into your Spend account must be at least $500 for Virtual Wallet or $5,000 for Virtual Wallet with Performance Select. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.

The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax adviser.

Visit PNC.com/locator to find a PNC or Partner ATM near you where PNC customers can access money fee-free. Partner ATMs are not owned by PNC and may be limited to cash withdrawal functionality.

Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.

Low Cash Mode is only available on the Spend account of your Virtual Wallet product.