PNC Bank Review 2025
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At a glance
Overview
PNC Bank stands out for its digital banking tools and offers competitive interest rates in some states. But if you don't live in those select states and are looking for the highest yields possible, consider banking elsewhere for better rates.
Highlights:
Digital Leader Highly Rated AppHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Checking rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Checking rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
PNC Bank offers a full suite of deposit products. While the bank offers competitive rates to customers who live in certain states, those who live elsewhere earn yields below the national average. The bank offers a well-rated mobile app that incorporates tools for money management.
Pros
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It boasts a competitive APY on its online-only savings account (only available in certain states).
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Some promotional CDs currently earn above-average APYs on balances above $1,000.
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PNC supports around 2,200 branches and offers access to around 60,000 fee-free ATMs.
Cons
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At $36, its overdraft fee is higher than average.
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PNC’s high yield savings account option is only available in certain states.
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CDs cannot be opened online.
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PNC bank products
PNC High Yield Savings®
Pros
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PNC’s high yield savings account option offers a competitive APY in certain states.
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The account comes with an ATM card.
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The account doesn’t charge a monthly service charge.
Cons
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The high-yield savings account isn’t available in all states.
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There’s a six-per-month restricted transactions limit; PNC will charge a $3 fee each time for going beyond that maximum.
PNC Fixed Rate CD
Pros
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Customers interested in CDs have many different term options.
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PNC’s CDs require a minimum deposit of $1,000, which is in line with that of many other banks.
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PNC Bank offers IRA CDs.
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PNC Bank did have some competitive promotional CD yields during Bankrate’s review.
Cons
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All standard CD yields are very low compared with what online banks offer.
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CDs can only be opened at branches, which aren’t available in every state.
PNC Premiere Money Market
Pros
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At the time of this review a competitive promotional rate is offered to those who meet certain conditions.
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There’s no minimum deposit requirement.
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An ATM card is available with this account.
Cons
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This account doesn’t support check-writing privileges.
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Unless you meet the requirements for the promotional rate, the APYs offered are below the national average.
PNC Checking
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Overdraft fees:Subpar2/5Charges applied when a customer spends more money than is available in their account, resulting in a negative balance.NSF fees:Great5/5Non-sufficient funds fees are incurred when a transaction is attempted without enough money in the account to cover it.APY offering:0.01%4/5APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.ATM network:Great5/5Accessibility to ATMs for account holders within a specific network or financial institution, facilitating cash withdrawals and transactions.
Pros
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No minimum deposit is required to open the Spend account.
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Around 60,000 fee-free ATMs are available nationwide.
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Virtual Wallet customers have access to digital tools to create budgets for spending categories and set up alerts about spending.
Cons
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Those who are under age 62, or who don’t meet minimum balance or direct deposit requirements, won’t be able to avoid the monthly service fee.
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Customers are charged $36 for each overdraft, although the fee is capped at one per day.
How PNC Bank compares to other banks
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $36 |
| Non-sufficient funds fee | None |
| Monthly maintenance fee | Varies by account |
| Out-of-network ATM fee | $3 |
| Excessive transaction fee | $3 |
Customer experience
Customer support
Physical Presence. PNC Bank offers branches in 27 states and the District of Columbia, and some of its deposit accounts can be opened online. The bank offers access to approximately 2,200 branches.
High customer satisfaction. While PNC’s overall customer satisfaction varies by region, the bank mostly received positive scores in J.D. Power’s 2024 U.S. Retail Banking Satisfaction Study. But it also received the absolute lowest scores in the Southwest and Texas.
Customer service. PNC customer service representatives can be reached by phone seven days a week. On weekdays, they’re available from 8 a.m. until 9 p.m. Eastern. On weekends, you can reach them from 8 a.m. until 5 p.m.
Digital experience
Highly rated mobile app. PNC Bank’s mobile app receives high marks on both the Apple App and Google Play stores. Collectively, more than 1.5 million users have reviewed the app. The app offers access to a Virtual Wallet tool that allows you to set up savings goals and view a calendar of upcoming bill payments and paydays. “I like the Virtual Wallet account and how I can quickly see a summary of checking and savings balances together,” said a Bankrate staff member who banks at PNC. “PNC also groups purchases together into categories so it’s convenient for budgeting and seeing how much you’ve spent in a given category, such as restaurants, each month.”
Also included is a color-coded “Money Bar” that shows how much of your money is scheduled for bills and savings goals, as well as what’s available to be spent.
Scheduled payment functionality. It isn’t possible to see future scheduled payments for online bill pay on the app, according to a Bankrate staff member with access to the account. Instead, you must log into your account through the website. “If I quickly want to double check that I’ve scheduled to pay my water bill, it cannot be confirmed in the app.”
Bankrate staff insights
“I’ve been banking with PNC for 18 years,” said a Bankrate staff member who uses PNC personally. “Overall, I like the organization of the accounts with having quick visibility into all my accounts through the Virtual Wallet dashboard. I also appreciate their budgeting and savings tools.”
Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.
Featured customer reviews
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews. Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers. Some reviews may be edited for length and clarity.
Our editor's take
There are multiple ways to transfer money out of PNC accounts, but customers should be aware that domestic wire transfers at PNC come with a fee.
PNC Bank currently offers competitive rates for its savings and money market accounts, although these rates are only available to those in certain geographic locations. Otherwise, rates can be below national averages.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
PNC Bank customer reviews
PNC Bank has 24 reviews
Dive into community reviews below and see what others think about PNC Bank.
In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.
Community Reviews
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