Summary: PNC Bank has served customers for more than 160 years. It offers banking products for personal, small business, corporate, and institutional clients. PNC has a network of more than 2,300 branches and approximately 58,000 PNC and partner ATMs nationwide.
PNC Bank product overview
PNC Simple Checking
This checking account is a no-frills account option with no overdraft fees, no minimum deposit to open your account, and no monthly service fee with any qualifying direct deposit or by meeting certain age-related requirements — otherwise, there is a monthly fee of $5.
PNC Virtual Wallet
PNC Bank’s Virtual Wallet is a suite of personal banking products designed to help customers manage their finances online and via the bank’s mobile banking platform. It combines checking, savings, and money management tools into one streamlined system. The virtual wallet includes the following features:
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Spend: A primary checking account for everyday transactions (non-interest bearing). There is no minimum deposit required to open an account. However, PNC charges a $7 monthly service fee, which can be waived by meeting certain requirements.
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Reserve (optional add-on): An additional checking account meant for budgeting and planning upcoming expenses, like rent or bills.
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Growth (optional add-on): A high-yield savings account designed to help build savings for future goals.
Virtual Wallet with Performance Select
The PNC Virtual Wallet with Performance Select takes things a step further by offering high interest rates on your Growth savings account, fee reimbursements for any fees you may incur at non-PNC ATMs, and no charges for domestic wires. The monthly fee for this account is $25, although there are ways to waive this charge.
Premiere Money Market
The Premiere Money Market Account has no minimum opening deposit requirement and requires a minimum balance of $1 to earn interest. There is a monthly service charge of $12, which can be waived by maintaining an average monthly balance of $5,000 or linking your account to a select PNC checking account.
Standard Savings
This is PNC’s most basic savings account. It has no minimum opening deposit requirement, and it offers unlimited deposits and transfers, overdraft protection, and auto savings tools.
Certificates of deposit (CDs)
PNC’s CD terms range from seven days to 10 years with rates up to 3.5% APY. A minimum opening deposit of $1,000 is required.
S is for Savings
PNC offers a savings account for kids with no minimum opening deposit. There is a monthly service charge of $5, which is waived for account holders under the age of 18 or those who meet other requirements. This account also earns interest on balances of $1 or more.
PNC credit cards
PNC offers a range of personal credit cards, including a rewards card, cash-back card, and a secured credit card.
Lending
PNC offers home loans, refinance loans, and home equity loans, as well as auto loans, and personal loans.
Investing and wealth management
PNC offers investment advice and planning services, individual retirement accounts, brokerage accounts, advisor-managed accounts, stocks, bonds, mutual funds, and more.
PNC Bank fees
Here’s a look at some of the fees you may encounter as a PNC customer:
|
FEE |
FEE AMOUNT |
|---|---|
|
Virtual Wallet monthly fee |
$7* |
|
PNC Simple Checking monthly fee |
$5* |
|
Virtual Wallet with Performance Select monthly fee |
$25* |
|
Standard Savings monthly fee |
$5* |
|
S is for Savings monthly fee |
$5* |
|
Premiere Money Market monthly fee |
$12* |
|
Overdraft |
$36 |
|
Agent-assisted outgoing domestic wire |
$30 each ($0 with Performance Select Checking) |
|
Self-service outgoing domestic wire |
$25 each ($0 with Performance Select Checking) |
|
Incoming international wire |
$15 |
|
Agent-assisted outgoing international wire |
$50 |
|
Self-service outgoing international wire |
$5 if sent in foreign currency, $40 if sent in USD |
*May be waived by meeting certain requirements.
PNC Bank pros and cons
There are a few benefits and drawbacks to banking with PNC that you’ll want to be aware of before becoming a customer:
Pros
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Wide range of CD terms: PNC’s CD terms range from just a few days up to 10 years, which can be a perk for savers with various savings goals and timelines.
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Strong mobile app rating: PNC’s mobile app has overwhelmingly positive reviews with an average rating of 4.9 and 4.6 stars on Apple App Store and Google Play, respectively.
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No minimum opening deposit: With the exception of CDs, PNC’s deposit accounts are free to open and don’t require a minimum deposit to get started.
Read more: 10 best mobile banking apps of 2026
Cons
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Monthly service fees for checking and savings: The majority of PNC’s accounts charge a monthly service fee, although it does offer customers the ability to have them waived by meeting certain requirements.
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High overdraft fee: PNC charges $36 per overdraft, which is on the high end compared to competitors.
Customer service and mobile banking experience
PNC Banking representatives are available to speak regarding your personal deposit account or mortgage on weekdays between 8:00 a.m. and 9:00 p.m. ET, and weekends from 8:00 a.m. to 5:00 p.m. ET.
For questions about PNC investment products, representatives are available on weekdays from 8:00 a.m. to 6:00 p.m. ET.
Credit card customers can speak to a representative 24/7.
PNC also offers chat and social media support.
The PNC app is available for download on the Apple App Store and Google Play and has a rating of 4.9 stars and 4.6 stars, respectively. Customers can use the app to check account balances and recent transactions, transfer funds between PNC accounts and external bank accounts, pay bills, set up account alerts, view statements, and more.
Social and environmental impact
PNC has committed to a more sustainable future in several key ways. It outlined a plan to make its operations more sustainable by reducing its carbon emissions and energy and water usage through energy efficiency projects, upgrading heating and cooling systems, reducing or eliminating the need for irrigation across its physical footprint, and more.
Read more: What is sustainable banking?
PNC Banks FAQs
Is PNC Bank FDIC-insured?
Yes. PNC is a member of the FDIC. Deposits are protected up to the federal limit.
What is PNC Bank’s routing number?
PNC Bank’s routing number is 043000096.
Does PNC offer Zelle?
PNC customers can use Zelle via the PNC mobile app to send and receive money from friends and family.
What does PNC Bank stand for?
PNC stands for Pittsburgh National Corporation and Provident National Corporation, the names of two banks that merged in 1983 to form PNC Financial Services Group.
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