PNC Bank Review 2024

PNC Bank offers a full suite of deposit products, with branches in parts of the Northeast, South and Midwest as well as on the West Coast. 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. 

Customer support

Physical Presence. PNC Bank offers branches in 28 states and the District of Columbia, and some of its deposit accounts can be opened online. The bank offers access to approximately 2,300 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.

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. The app offers unique digital features such as customizable alerts and voice banking, though the latter is “time consuming and frustrating,” according to a Bankrate staff member. “I’d like to be able to reach an agent for assistance quickly.”

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.”

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.

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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 recently started offering a higher rate for its Virtual Wallet Pro account, but it’s only available in select states — typically where PNC branches aren’t found. You’ll find consistently high rates without that barrier at other banks. 

Founded as Pittsburgh Trust and Savings Co., PNC Bank is one of the largest banks operating in the U.S. It offers a full suite of retail, commercial and small-business products.