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.

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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

NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Poor costumer service aid and online payment
I have been trying to make the payment of my car for three days now and unfortunately online, a window keeps popping up saying that at the moment online payments are unavailable even before or after the times for maintainability. In addition, once you call to try to make the payment over the phone you are given wrong information about how the charging fee works. I was about to be charged $7 for making my payment through the phone, even though their online page is not working (and they are aware of it). The several times that I called, they insisted on charging me the fee for trying to make the payment of my car because of their system malfunction!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
PNC worst website EVER!!!!!!
Our password never works so we have to call every time for assistance because we get locked out, even though the password is quite simple and we actually re-use it. We still get locked out. We've begged them to send us paper statements instead, which they promise, but it never happens! I'm sitting here now trying to reset the passwork -- after calling for their help -- but now I'm told by the website to try again later! We've called them nearly 10 times and we are sick of this.
Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.