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

At PNC Bank, the sixth-largest bank in the country by assets, customers can earn a $50 sign-up bonus with a checking, savings and money market 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 | Reviewed May 9, 2017

Checking

4.0

Virtual Wallet Spend, PNC’s checking account, 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 with monthly direct deposits of $500 or average combined balances of $500. For customers who don’t sign up for Virtual Wallet, the Standard Checking account has the same monthly fee and options to waive the charges, but doesn’t qualify for the $50 sign-up bonus.

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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Scam Artists
I originally opened a PNC account in 2012 which was no fees. In June 2017 they changed that policy to charge a $7/month fee unless you met certain requirements. They never notified me of that change, and only noticed 3 months later. PNC is just another disreputable bank that steals money from its customers.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Awful online service
Terrible online banking service it is always offline and always says retry
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