PNC Bank is a full-service online and physical bank. They’ve become known for offering bundled checking and savings accounts that they call “virtual wallets.” PNC Bank Review: Pros, Cons,
They also offer student loans, and we’ve reviewed their student loans product specifically here: PNC Bank student loans review.
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So how does PNC Bank stack up? See how they compare to our list of the best checking accounts, and read our full review below.
What Is PNC Bank?
PNC Bank has been around for over 170 years. It is a full-service bank offering savings, checking, retirement, mortgages, loans, and service for both personal and business customers. PNC Bank Review: Pros, Cons,
In June 2021, PNC Bank closed its acquisition of BBVA USA. After completing the merger, PNC Bank became one of the largest commercial banks in the United States with almost $560 billion in assets. It also now has a branch presence in all of the top 30 U.S. markets. PNC Bank Review: Pros, Cons,
What Do They Offer?
PNC Bank combines checking and savings in a product called Virtual Wallet. So what exactly is a Virtual Wallet? Â Here’s what you need to know about it.
PNC Virtual Wallet
PNC Virtual Wallet has three primary features: Spend (checking), Reserve (earning interest on checking), and Growth (savings). In a nutshell, it’s a checking account with an interest-earning option. PNC Bank Review: Pros, Cons,
There is a $36 overdraft fee, with up to one occurrence per day.
Virtual Wallet with Performance Select has free card replacements, but otherwise it costs $7.50 and another $25 if you need to expedite the card.
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If you use a non-PNC ATM, you may be charged a $3.00 fee from PNC in addition to any surcharges from the ATM provider. But, as shown in the table below, you may be eligible for a certain number of reimbursements, or this fee may be waived altogether depending on your account type.
How Does PNC Bank Compare?
We like that PNC’s Virtual Wallet includes budgeting and savings components. And its branch and ATM network are both expansive. However, if you’re looking for a bank that offers a high yield on savings or never charges monthly fees, you might want to consider an online bank instead. Here’s a quick look at how PNC Bank compares: PNC Bank Review: Pros, Cons,
PNC Promotional Offers
Right now, PNC has the following promotional offer:
Up To $400 With PNC Virtual Wallet
PNC Virtual Wallet has three primary features: Spend (checking), Reserve (earning interest on checking), and Growth (savings). In a nutshell, it’s a checking account with an interest-earning option.
And right now, they have a promotional offer where you can earn up to $400 when you complete qualifying activities. Offer valid through May 28, 2026. Member FDIC.
Earn $100Â with a new PNC Virtual Wallet and you establish total qualifying direct deposits of
$500 or more to the new Virtual Wallet within the first 60 days.
Earn $400Â when you establish total qualifying direct deposits of $5,000 or more to the new
Virtual Wallet with Performance Select within the first 60 days.
Read our full PNC Bank review here.
Check out the PNC Virtual Wallet here >>
How Do I Open An Account?
You can visit PNC.com to apply for an account. On the application, you’ll need to provide a valid U.S. address and Social Security number. You must also be at least 18 years of age and will need to provide a 2nd form of ID (U.S. Driver’s License, State Issued ID, or Military ID). PNC Bank Review: Pros, Cons,
Is My Money Safe?
Yes — PNC Bank’s Virtual Wallet products are FDIC-secured. Additionally, PNC uses bank-grade encryption.
Contact
You can get in touch with PNC’s customer support team by calling 1-888-762-2265. Operating hours are Monday – Friday, 8:00 AM – 9:00 PM (ET) and Saturday – Sunday, 8:00 AM – 5:00 PM (ET). PNC Bank’s Trustpilot reviews are overwhelmingly negative; however, the bank does have an A+ rating with the Better Business Bureau (BBB). PNC Bank Review: Pros, Cons,
Is It Worth It?
If you want access to a huge nationwide network of branches and ATMs, opening a PNC Bank Virtual Wallet could be right for you. But you’ll want to look elsewhere if you’re hoping to land the highest APYs or lowest fees.
Common Questions
Let’s answer a few of the questions that people ask most frequently about PNC Bank:
Does PNC Bank have a high-yield savings account?
Yes, in eligible markets! However, PNC Bank encourages new customers to open Virtual Wallet accounts, which combine checking and savings together.
How many branches does PNC have?
According to the PNC website, the bank has approximately 2,300 branches coast-to-coast.
What do the letters “PNC” stand for?
The two Pennsylvania banks that merged together to form the bank each had “PNC” as their initials. Those two banks were Pittsburgh National Corporation and Provident National Corporation. PNC Bank Review: Pros, Cons,
Will my BBVA USA accounts be transferred to PNC?
Yes, all BBVA USA accounts should have been moved over to PNC by October 12, 2021 and will no longer be functional after January 29, 2022. PNC Bank Review: Pros, Cons,