PNC Bank Review 2026
PNC Bank is one of the largest diversified financial services institutions in the United States, providing retail banking, corporate and institutional banking, and asset management services across its extensive network.
Founded
1845
Headquarters
Pittsburgh, PA
Total Assets
$560 billion
Branches
2,600+
BankingDeal Rating
Based on rates, fees, features, and customer satisfaction
4
out of 5.0
Rates & Fees
| Product | Rate / Fee |
|---|---|
| Savings APY | 0.03% |
| 12-Month CD APY | 4.45% |
| Checking Monthly Fee | $7 |
Rates shown are for illustration. Verify current rates directly with PNC Bank.
Products Offered
Pros & Cons
Pros
- +Virtual Wallet feature for budgeting
- +Strong mobile app with spending insights
- +Competitive mortgage rates
- +Large East Coast and Midwest presence
- +Low Balance Alert features
Cons
- -Limited West Coast presence
- -Monthly fees without qualifying activities
- -Lower savings APY than online banks
- -ATM fees outside PNC network
Our Verdict
PNC Bank is a solid choice for those who value 2,600+ branch locations and a full suite of banking products. Virtual Wallet feature for budgeting, making it a strong contender in the traditional banking space. While savings rates at 0.03% are lower than online competitors, the convenience of branch access and comprehensive product offerings may offset this for many customers.
Related Resources
Frequently Asked Questions
Is PNC Bank a good bank?
PNC Bank has a rating of 4/5 on our scale. Virtual Wallet feature for budgeting. However, limited west coast presence. Whether it is right for you depends on your specific banking needs and priorities.
What is the savings account APY at PNC Bank?
PNC Bank currently offers a savings APY of 0.03%. Online banks may offer higher rates, though PNC Bank provides other benefits like branch access. Rates are subject to change. Verify current rates directly with PNC Bank.
Does PNC Bank charge monthly fees?
PNC Bank charges a $7 monthly maintenance fee on its standard checking account, though this can often be waived by meeting certain requirements such as maintaining a minimum balance or setting up direct deposit.
What products does PNC Bank offer?
PNC Bank offers Checking Accounts, Savings Accounts, CDs, Credit Cards, Mortgages, Auto Loans, Investment Services. Services are available online, through the mobile app, and at 2,600+ branches nationwide.
Where is PNC Bank headquartered?
PNC Bank is headquartered in Pittsburgh, PA. Founded in 1845, PNC Financial Services Group has grown to manage $560 billion in total assets. It operates 2,600+ branches.