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

How does PNC compare?

PNC

SAV2.5K

NerdWallet Rating

APY

0.01%

Monthly Fees

$5

Bonus features

2,000+ branches

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

NerdWallet Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

HSBC

Online Savings Account

NerdWallet Rating

at HSBC,

Member, FDIC

APY

2.30%

Monthly Fees

$0

Bonus features

Competitive APY

No Monthly Fee

Not for you? Read more bank reviews
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
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
EVERYONE SHOULD BANK HERE!
pnc has terrific customer service, in-person and at their call center. they truly care for their client's financial well-being. branches treat regulars like close friends/family. fees/account requirements are lower than most big banks. definitely an underrated bank!
Overall
Customer service
Poor
Website / app
Poor
Rates
Fair
Fees
High
Poor customer service attitude
I have a loan with PNC bank. I always pay on time. I was ill last week and paid 2 days later than normal.I only have 6 payments remaining on car loan.They have called me 2 times badgering me, short of threatening me about my loan. I explained that I did pay online and payment should be received prior to incurring a service charge. My problem both times was the tone of the call. Instead of politely asking why or when the payment will be received , they threatened me. I asked them if that is how they treat good customers and agent stated that is their policy. Obviously, loyalty and customers with good credit are not a priority. I would definitely not use this bank in the future. There are other banks that I feel are more appreciative of my business.
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