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
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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Horrible
I have been banking with PNC since they opened. At first pnc was great and now they have horribe customer service and hidden service fees. I can't believe I got the virtual wallet becuase I wouldn't be able to keep $500 or a direct deposit in my account and in the long run they still made me have those requirements which led to charge me $7.00 money that I do not have. Wow. I am closing my account tomorrow. Very displeased with PNC.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
One bad apple does spoil the whole bunch
Just closed my accounts, apparently you can't just leave your money sitting in your accounts without using it or you're charged an almost $15.00 a month maintenance fee. Maintenance for what I never used my accounts but I bet PNC used my money. The person who opened my account told me they had a relationship with my employer so I could get some perks. I told her I was not transferring my direct deposit. She said nothing about a maintenance fee if I didn't deposit $1,000 a month. Now I went to the bank about a bogus security email I received and found out these thieves stole $103.00 from my accounts. When the woman working with me saw I was upset she did nothing, offered no solution to me recouping my money, didn't even notify the manager. Instead, they let me close my accounts and walk out. I guess I didn't have enough money for them to go to bat for me but little did they know I have quite a bit more money as does my family. I used to say how wonderful everyone was at PNC but now I won't be saying that nor will I be telling my family to bank there. Stay where you are these people are nice until they get you to bank there then they turn.
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