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PNC Reviews


bestfor-icon Traditional Banking with an Innovative Twist

Written by Lauren Le-Hair

About PNC | Read More


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Opening Hours Opening Hours drop-down-btn
Mon - Fri 7:00 AM - 10:00 PM EST
Sat - Sun 8:00 AM - 5:00 PM EST
Contact Information Contact Information drop-down-btn
  • (888) 762-2265
  • Headquarters: 249 Fifth Ave, Pittsburgh, PA 15222
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PNC Online Banking Review

When it comes to online banking, PNC offers many services, including checking, savings, and CD accounts, for personal and business purposes. PNC Bank has Certificates of Deposit (CDs), a line of credit, and a Money Market Deposit Account (MMDA). Along with this, PNC has something called a Virtual Wallet. This includes several digital tools for money organization and lets customers connect their different accounts together in one convenient place.

PNC Online Banking Highlight


Min Deposit


ATM Network


Maintenance Fees


Other Fees

Online Banking Savings


Min Deposit


Min APY Savings

Online Banking Checking


Min Deposit

Business Online Banking


Min Deposit


Min Balance

Pros & Cons

  • con-icon Extra Time helps avoid overdraft fees
  • con-icon Strong mobile and online tools to help manage money
  • con-icon 18,000 fee-free ATMs and branches in 20 states
  • con-icon CD rates are low compared to competitors
  • con-icon Savings account rates are low
  • con-icon Business accounts may be complicated

Account types

  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)


Account  1 Year
Premiere Money Market 0.04% APY
Business Checking Account None
Savings Account 2.20% APY (may depend on zip code)
Virtual Wallet Checking Pro 1.30% APY (depends on zip code)

Features Benefits & Rewards

  • Rewards: One-time monetary reward for setting up a Virtual Wallet account (either $50, $200, or $400)
  • PNC points (these can be used on gift cards, merchandise, or cash back)

Opening an Account With PNC

Those who are interested in opening an online bank account with PNC can do so online or at an in-person location. New customers may only create an account at a storefront location.

To open an account online, visit the website and choose which account type you want to open – ex. business account, personal checking account, or Virtual Wallet. Then, input the required personal details, such as:

  • Full name
  • Contact information
  • 2 forms of identity – ex. state-issued ID and passport

Depending on the account type, it may be necessary to also put in an opening deposit or pay a fee. For example, the Checking account requires a $25 minimum deposit.

State Availability

Available - Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin

Not Available - Alaska, Arkansas, Connecticut, Hawaii, Idaho, Iowa, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, Oregon, Rhode Island, South Dakota, Utah, Vermont, Washington, Wyoming

Written by Lauren Le-Hair linkedin-icon

As an experienced content writer, Lauren's passion for the finance sector is only exceeded by her love of writing. With years of experience writing for financial websites, she has honed her expertise and developed a deep understanding of the industry. Lauren specializes in delivering top-quality, specialized content with an expert tone of voice and a unique flair, leveraging her extensive knowledge and expertise. In addition, she holds a First Class Bachelor's degree from Staffordshire University.



Can you pay PNC loans online?

Yes. PNC lets customers make payments for loans and credit cards online or via the app. It’s also possible to set up automatic payments or schedule payments ahead of time.

How do I go about disputing an incorrect transaction?

For debit card transactions, log into your PNC Online Banking account and proceed to the Customer Service tab. Then select “Dispute a Transaction,” select the appropriate account, confirm your information, and click “Next.” From there, select the transaction to dispute and follow the prompts. The process is almost the same for credit cards, but there’s a section specifically for “Credit Cards.”

How else can I contact PNC Bank?

If you don’t want to call their Customer Care Center, you can either use the mobile app or online banking platform to contact them. To do this, simply go through “Message PNC” and follow the prompts.

Customer Support

PNC bank has a dedicated customer service page that makes it easy to find answers to most commonly asked questions. This page is organized by products, such as auto loans or personal banking, as well as by PNC Banking Services (ex. remote deposit and PNC Easy Lock). PNC also has a separate FAQ section and a How-To section.

The institute’s hours of operation are organized by category. This includes personal product and service specific support, small business product and service specific support, calling from outside the US, and special support. Each section has a corresponding phone number you can call.

PNC’s main customer care team is available Monday through Friday from 7:00 am to 10:00 pm (EST), and 8:00 am to 5:00 pm Saturday and Sunday. The phone number is 888-762-2265. If you call during business hours, you may have to wait anywhere from a few minutes to around half an hour.

Online, PNC has an A+ rating on BBB, but only 1.12 out of 5 stars. On Trustpilot, they have 1.3 stars out of 5. Most negative reviews are concerning the mobile app and slow or difficult customer service.

Privacy & Security

PNC is a member of the FDIC, meaning any deposits are insured up to a certain amount (generally $250,000).

When it comes to protecting their customers’ online privacy, PNC also has multiple layers of security. The bank is transparent about what type of data they collect, as well as how they use those data. Depending on the financial service or product – ex. auto loans –, PNC may collect the individual’s SSN, income, account balances, and credit history information. As a customer, it’s possible to limit the sharing of certain information, but not all. For more details, check out PNC’s document on data privacy.

As for security, PNC uses security questions and a two-step verification process to protect customer data. They also have EV SSL certificates, which clearly display the organization’s name at the top of the page to show the site is legitimate.

PNC does not assume responsibility for potential damages, such as lost data. However, it has a good reputation for keeping information secure.

In Conclusion

Overall, PNC bank is a good financial institution for those who want an online banking experience with in-person locations. They also offer various financial products, such as auto loans, mortgage loans, and credit cards. This is convenient for those who want to conduct all their finances in one place.

Although PNC focuses on diversity and tries to make its services and products accessible, its customer service is somewhat lacking. If you prefer not to speak with representatives, however, this may not be an issue.

Brand Disclaimer

The PNC Financial Services Group, Inc. (“PNC”) uses the marketing names PNC Private Bank℠ and PNC Private Bank Hawthorn℠ to provide investment consulting and wealth management, fiduciary services, FDIC-insured banking products and services, and lending of funds to individual clients through PNC Bank, National Association (“PNC Bank”), which is a Member FDIC, and to provide specific fiduciary and agency services through its subsidiary, PNC Delaware Trust Company or PNC Ohio Trust Company. PNC uses the marketing name PNC Institutional Asset Management® for the various discretionary and non-discretionary institutional investment, trustee, custody and related services provided by PNC Bank, and investment management activities conducted by PNC Capital Advisors, LLC, an SEC-registered investment adviser and wholly-owned subsidiary of PNC Bank (“PNC Capital Advisors”). PNC uses the marketing name PNC Institutional Advisory Solutions® for discretionary investment management, trustee, and related services conducted by PNC Bank. PNC uses the marketing name PNC Retirement Solutions® for investment, consulting, trustee, and custody services for employer-sponsored retirement plans provided by PNC Bank. PNC does not provide legal, tax, or accounting advice unless, with respect to tax advice, PNC Bank has entered into a written tax services agreement. PNC Bank is not registered as a municipal advisor under the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Act”). Investment management and related products and services provided to a “municipal entity” or “obligated person” regarding “proceeds of municipal securities” (as such terms are defined in the Act) will be provided by PNC Capital Advisors.