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

3.0

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.

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
choose any bank but PNC
Absolutely horrible customer service. Rude tellers. Exorbitant fees. I will bury my money in a coffee can in my back yard before I will give it to PNC Bank
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Not permitted to retrieve MY money
On November 18th 2017 I went into the PNC on Colerain Avenue in Cincinnati Ohio. I went to withdraw $8000. The teller asked me what I would be spending my money on. I told her that was none of her business it was my money. She proceeded to tell me that the manager would be asking me the same question. I told her the to let the manager know that it's my money I could spend it on what I want. The teller told me the reason she asked that was because older people are getting scammed and she wanted to make sure I would not be scammed. I am not even in my forties and people mistake me for 29. I explained to her that I was not that old and she agreed and said it was just for my safety. After 10 minutes of her speaking to the manager, I did begin to record what was happening. The manager came out and told me the reason I was asked the question about what I was spending my money on was because they needed to know if I wanted a cashier's check or cash. Again none of that made sense and I told her To just give me my money that I worked for and saved. The manager apologized and after 22 minutes I was finally able to receive my money. As soon as all of my transactions are complete I plan to find another bank. I did call corporate office because that was the most ridiculous thing I have ever been through. On a side note every time I go into the bank they asked me for my bank card if I want to withdraw money. I don't know if this is common practice but I thought it was until now. I am wondering if it is just me?
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