Advertiser Disclosure

Pros

Strong online and mobile tools, and many customer service options.
9,000 fee-free ATMs and 2,600 branches in 19 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.

Overall

3.5

With PNC Bank, you can choose traditional-style banking, or you can go modern and virtual. The Pittsburgh-based bank, sixth-largest in the country, has both the typical accounts you’d expect from a big bank and a tech-centric combo called Virtual Wallet — a package of checking and savings accounts with money management tools.

Ratings methodology | Reviewed Oct. 4, 2016

Checking

4.0

The basic checking account has a $7 fee, which is waived with a $500 direct deposit or an average balance of $500 every month.

Paper statements are $2-$3, but free if you meet the minimums for waiving the monthly fee.

Customers who choose Virtual Wallet get three accounts that they can manage with online and mobile tools.

Virtual Wallet has a $7 monthly fee, but you can avoid the fee with direct deposits of $500 or average combined balances of $500. It’s also waived if you make only self-service transactions — ATMs, mobile or online.

Virtual Wallet
$7
Monthly fee
$500
Balance to waive monthly fee
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
Fair
Rates
Poor
Fees
High
Poor Service
I applied for a HELOC and it suppose to take three weeks for decision. The first two weeks went by and then on the third week they ask for additional information and when I sent that information in, then the fourth week come around and they ask for more information keep in mind I already bank with them and have my mortgage with them and they are asking for all this information after a month pass by. When I sent in that he information they orders an appraisal after the appraisal was sent the lady said it should take to th she end of that week for decision I still haven't heard anything from them and now it's the fifth week
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Mobile Deposit
I just made a deposit with my smartphone because I was at work and couldn't find a PNC Bank in my area. After I made a mobile deposit, I noticed within 2 hours that my check did not post yet. I decided to call a PNC branch to find out what went wrong. The bank teller informed me that they go through a process to make sure that the check is legit and I'll see my money by in the morning. That was number one because I have another card but it is a prepaid debit card called Chime and I never had to wait overnight. Then the teller looked into my account and told me that my account is new so I'll have wait NOW until Monday! This is such an inconvenienced bank. I had plans with my money that I worked all week for someone to tell me that I have to wait for my hard working money for two more days. I will not continue to do business with this terrible bank all because my account is "new". My Chime card gave me my money quick and a "new account" did not stop them from doing that!.
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