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

4.0

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
Terrible Service
Easily the worst customer service experience I ever had. I don’t care if fees and interest rates are better I would not recommend this bank to anyone!
Overall
Customer service
Good
Website / app
Good
Rates
Fair
Fees
Fair
PNC Bank Virtual Banking
I’ve been a PNC customer since 2009. For over a decade, I’ve had a checking, savings, and credit card through PNC. Customer service in person at a branch is good. Each branch varies so I choose the location with the best service & attention. Online virtual banking is simple & user friendly. I’ve not had any real issues with online banking unless there is a server down for maintenance which they post a message well in advance. If I call PNC to report a lost or stolen card, I am taken care of quickly. I’ve not had to be on hold more than a few minutes to get the help I need. I automate most of our bills through online bill pay on Virtual Wallet.
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