Pros

Strong online and mobile tools, and many customer service options.
9,000 fee-free ATMs and 2,600 branches in about 20 states and Washington, D.C.

Cons

0.01% APY on savings account; better rates available elsewhere.
$36 overdraft fee can be charged four times daily.

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Overall

3.5

At PNC Bank, the sixth-largest bank in the country by assets, customers can earn a up to $300 sign-up bonus with a checking, short-term savings and long-term savings combo called Virtual Wallet. The trio of products — named Spend, Reserve and Growth, respectively — come with a nice set of online management tools. But the interest rate on savings is low, and it takes effort to avoid monthly fees on the checking account.

 

Ratings methodology | Updated March 7, 2019

Checking

4

Virtual Wallet Spend, one of PNC’s basic checking accounts, has free mobile banking and online bill pay. If you use a non-PNC ATM, the bank may also reimburse some ATM usage fees, depending on where you live, though the ATM machine’s owner could still charge a separate fee.

 

Virtual Wallet Spend has a $7 monthly fee that can be avoided in a few ways, including monthly direct deposits of $500 and average combined balances of $500.

Savings Account
APY
0.01%
Min. balance for APY
$1

at PNC,

Member, FDIC

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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Fee's upon more fees and rude CSRs
PNC Bank Credit Card Department has charged me Fee's on top of Fee's for one transaction where I accidentally chose to Bill Pay instead of transfer. I was charged two $27 fees ON TOP of a $36 Fee. This all happened because I used the Pay Your Bill Today function which tried to draw my payment from my SPEND (Checking Account) to pay for my Credit Card bill- The accounts are LINKED, therefore, as a consumer, I should have received an error when trying to process the payment that would read 'insufficient funds' to process payment; however, they still put the payment through and therefore incur numerous fee's such as the bounced check fee and returned check fee. I was charged a total of $90 in fees. They did return two of the fees, but not until I called and begged them to return as a courtesy. I've been a long time supporter of PNC bank, even after relocating to the West in a different state. However, I am now cancelling and no longer banking with PNC because the Customer Service Rep's were extremely rude and dismissive when requesting to have the fees returned.
Overall
Customer service
Fair
Website / app
Poor
Rates
Poor
Fees
High
Broke original deal and now lost my business for fees.
We have had a loan since 2016. Never missed or late on ant payment. The checking account it was attached to had no fees with loan attached to it. We made sure. 4 months ago they change that and said they sent it in my email. They now charge 15$ a month to have a checking account or 2000$ in account with auto deposit. They refused to refund the lost months and said they can do what they want. Well I now do what I want. Paid off loan with a better bank. They loose 350 of interest because they wont refund 45$ fee. Cool. The loan even said no fees but then also can be changed when they want at the bottom. They just lost all my business.
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