PNC Virtual Wallet

Slow to load. ALWAYS errors out. It is a piece of crap. I keep it because this bank account I opened in D.C. only has 2 branches in Norfolk and no place else to make deposits. Taking pictures of my check is a nightmare too. Usually takes at least 30 minutes of entering the same stuff over and over to get it done. I plan on switching to a bank with more branches. PNC in Norfolk VA and this app both suck. Anybody looking for a bank in Norfolk, avoid PNC. You can do better and I will too.

I filed a dispute for a payment on 7/27/2017. The total charge was $195. I requested to dispute $125 of it however, PNC filed the dispute incorrectly and disputed the entire $195. This was the first issue. I was given a $195 provisional credit while the dispute was investigated. On 7/30/2017 I no longer needed the charge disputed because I was able to get in contact with the merchant and everything was taken care of. I called to cancel the dispute and was under the impression that it was taken care of. It was never cancelled. On 8/15/2017 I check my account with the merchant and see that $195 was reversed. This caused me to incur a $75 fee. I immediately called PNC and was told that the dispute was never cancelled and that the dispute was filed incorrectly. They told me that they will cancel the dispute and everything would be reversed and that they will also reverse the $195 provisional credit from my account in 5 business days. They also filed a complaint in my behalf due to the error and negligence on their part, causing me to incur a $75 fee. The next issue occurred the following day. I was just told that the $195 provisional credit would be taken from my account in 5 business days. But THEY TOOK IT THE VERY NEXT DAY! This REALLY frustrated me. All the while I have been checking with the merchant to see if they had received the payment back since it was reversed. They still had not. 8/18/2015, 3 business days after the dispute had FINALLY been cancelled I see that the merchant STILL had not received payment. This outraged me because PNC wasted no time reversing the $195 credit from my account, yet is taking their precious time rectifying their own mistake. I call PNC and basically asked them "if the merchant does not have the $195 and I don't have the $195 then where is my money????" At this point I need to know why this still has not been taken care of. Mind you, this is a deposit for an apartment so it is a time sensitive issue. The representative I spoke with tells me that they do not show that the merchant reversed the $195 and that they do not have it either. So the merchant does not have it and now they claim they do not have it either and I surely don't have it and I don't even have the provisional credit that was provided. So in all I am out $270 because of PNC's mistake and they act as if they do not even care to rectify the issue. I am HIGHLY upset. This has caused so many issues. I have been a PNC customer for 6 years and as soon as this issue is taken care of I will be taking every penny out of my account and I will be closing my account with them. PNC used to be a great company but they have really gone downhill in service as well as in their customer service. PNC has lost a loyal customer. This has been reported to the BBB as well.

PNC is a fee hub. I was charged $15 pro rated fee for not having the minimum deposited into my account (not on a monthly cycle but the statement cycle) which ended in the middle of the month. This was not explained when I opened the account (statement cycle vs. monthly cycle). To make matters worse, the deposit was was made the day after the statement date. Their fees made my account go into the negative. Then, I was charged $7 for each day in was in the negative. On top of that, I went to the branch to see if I could recover any of the fees and they said it was nothing they could do. I'm sure many people will catch on and a class action suit will be filed. I'll recoup my funds at that time.

PNC has a great rate. But DONT pay your bill in full, or they will lock your account for 14 days while they take your money and freeze your account! Ridiculously unacceptable in our immediate transfer days. I am cancelling the account because i pay my bill in full most months. To not be able to use the card for 2 weeks out of the month because it's paid in full doesn't make sense.

I have been a PNC bank customer for almost 10 years now. I switched from another well known bank that had been taken over by a large Canadian corporation and all of a sudden I was being charged fees left and right. I rarely ever let my accounts get over drawn so I could not understand why on earth I was being charged for giving someone MY money. On the other hand, PNC bank has been awesome! I started out with the basic checking account. Absolutely no minimum balance and no maintenance fees. Then the Virtual Wallet came into play....the Virtual Wallet is amazing! It literally lets me break down my paychecks each week into money set aside for bills, short term savings, long term savings and whatever extra I can spend. I can see my actual real-time finances and set up an automated savings strategy. I can pay my bills online without fees and can transfer money between accounts instantly! Two thumbs up for the Virtual Wallet!!!!

I had an issue getting a checking account after some financial issues and PNC was willing to open a PNC Virtual Wallet account for me to start banking again. So far the experience has been great with little issue and transferring money between checking and savings is easy online or with the app. Have had no issues with the product and would definitely recommend it to anyone who is interested in the product!

I just opened up my account a few days ago, the set up for online banking was quick and easy. Im a little frustrated that the banker at my branch didnt tell me that the direct depost had to be 500 a month. The app on my phone is pretty cool. I like the punch the pig feature to transfer funds from checking to savings.

I've had a PNC Virtual Wallet account since right when they initiated the service, and it's been the best thing in my banking and financial life. The account simplifies everything, as its online system makes everything so easy, from transferring funds to allocating monies toward different goals. The account provides for easy paying of bills and although the interest rates are fairly low, the customer service absolutely makes up for it. Plus, while other companies are having security issues, this has never been a problem for PNC Virtual Wallet checking in the many years I've had the product.

I joined PNC when my brother started working there and have not looked back. I love the online tools and the apps for my devices, it makes it so freaking easy to manage my money, pay my bills, and do anything I could possibly need with just a few clicks. They are also incredibly secure, back when I was with regions I had some fraudulent activities and they blamed me each time, where as PNC has successfully helped me out. Never going back.

I joined PNC a few months ago and so far I have been very pleased. They were offering a pretty great sign up bonus of $75-$300 which is a plus. Also the virtual wallet automatically comes with 2 checking accounts and 1 savings account which are all linked. I thought this was awesome because you don't have to go through the hassle of signing up for each. The biggest advantage of PNC is that so far I have not incurred any fees associated with either of my bank accounts.

I am generally a big fan of PNC Bank, and I really like my Virtual Wallet account. As long as I've been in the US I've never had any issues with it, and it's really great to be able to deposit checks at an ATM, as well as to transfer money so easily. The only reason they get 4 stars instead of 5 is that they are really difficult to get in touch with when you are abroad. They take up to an hour and a half to pick up their phone fairly often (and if you're abroad this can cost you quite a lot of money), and sometimes just never pick up. Otherwise, though, they are pretty great.

My son has this as his first checking account. It has been very easy for him to use and he doesn't always have to go to the physical bank. It has been a good introduction to banking and budgeting with his first job's paychecks.

I've had a PNC bank account for about 7 years, and have had a virtual wallet account for about 3 years. The Virtual Wallet account is a really great tool to help budget my finances. I especially like that I can see what my account balance will be on certain days (if you have reoccurring bills every month it will account for that). I also really like that I can have a 'separate' account within the account, specifically set up to help me achieve my long term and short term goals. It makes saving up for things like vacation much easier. I would highly recommend this account.

I've had PNC Virtual Wallet for about four years now. Managing the account online is fantastic, and the mobile site is also very nice. I've dealt with customer service several times and each time was very good with a fast response. In cases where my account has had some "issues" thanks to Target or Home Depot, the customer service cleaned them up as soon as I brought them up with no problems. The interest rate is pretty abysmal, but as far as a basic point of action checking account, Virtual Wallet is fantastic.

I have been a member of PNC since 1999, and the virtual wallet is the best checking account that I have had. I was drawn to an offer for free checking through being a student at my university. The mobile app is so nice, and the online banking is better. I am able to easily move funds from the "reserve" account to the "spend" account, making it simple to save money for things like rent, and groceries, then move it to my spend when I need to write a check or go shopping. The "growth" account I haven't done much with. All of the online graphs, systems for automatic payments, mobile deposit make this account great.

I first joined PNC when they were offering a bonus to join through my previous employer. The bonus money was deposited as promised. I transfer money out of this account easily. I like the 'tap' feature on the Visa card. The security features they have are great to the point of being annoying. I'm glad they are in place, but they can be a pain sometimes. The other thing that I'm surprised about is that no one reached out to me to offer/sell additional services based on my account value. I have about half as much at a competitor and they have contacted me. Overall, I would recommend PNC for checking accounts. I was also at the branches frequently making business deposits. The tellers are the friendliest out there! They helped me resolve deposit slip discrepancies on a couple occasions, and were very patient while I communicated with our store.

PNC SHUT MY ACCOUNT OF 7 YEARS WHICH I HAVE BEEN USING CONSISTENTLY WITHOUT ANY EMAIL OR PHONE CALL. UNACCEPTABLE.

I have been with PNC bank for about 7 years, and until last week, would have given them a rating of "A", 5 out of 5 stars, in spite of having heard complaints about them without even looking for complaints. Earlier this year, I suddenly started getting a $7 monthly charge on what had been a free checking account since I joined 7 years ago. I inquired, they refunded the one month charge, and explained that they have no more standard free checking, but that I could avoid the charge by switching to virtual wallet. I took time out of my schedule during their business hours, personally visited one of their branches, and signed up for virtual wallet. They were quite helpful. This was a couple of months ago. Last week, checking my account online, as I have several times a week for 7 years now, I saw that my balance was zero, my account transaction history was gone, and also my messages to and from PNC in the "secure message center" had been erased. When I called, a helpful sounding phone rep asked me to hold while he looked into it. When he returned, he told me that PNC had decided to shut the one of my 3 accounts (all virtual wallets have 3 accounts as far as I know) which I was using, very obviously using, because they had sent a letter to me for verification and I had not returned their verification letter within 30 days.

NOT ACCEPTABLE FROM ANY BANK:

They did not send me any message about this in the "secure message center" online where I check on my account several times a week. They did not send me any email about this to my email address, which they happily send many advertising emails to each and every week. They did not call me about this, at my phone number which they have on file. Also, to my email address, they sent an email just last week that "my online statement is available for viewing" referencing the account which they had just shut down without contacting me in any way other than one paper letter via snail mail with a 30 day "respond with our verification as requested or we shut your account with no other contact attempted" policy?? TOTALLY INEPT AND UNACCEPTABLE. Since I have contacted them about this, they have shut a 2nd one of my 3 virtual wallet accounts, and seem to be blocking my adding funds to the one remaining account.

THIS IS HOW A BANK GOES FROM AN "A" RATING TO AN "F" RATING INSTANTLY WITH CUSTOMERS. Period.

Bottom line, don't use PNC Bank, not for anything. If you do use them, don't trust them. Don't fall for their advertising gimmicks about virtual wallet. One of the very clearly specified ways to qualify for "free virtual wallet" is to only deposit or withdraw money online or by ATMs. I followed this to the letter. What did I get, in addition to "free virtual wallet" ?? I got "shut~down of your bank accounts, with no contact other than a paper letter which is basically a 30 day time~bomb."

People TRAVEL... HELLO??? ANY such verification should have a 60 day time window before any such troubles, at the very least, even better, make it 90 days. Shutting down customer accounts with NO OTHER CONTACT ATTEMPTED beyond the paper letter 30-day time-bomb is RIDICULOUS, PATHETIC, and TOTALLY UNACCEPTABLE for any "BANK." A "BANK" should keep a customer's money IN the customer's account, and make EVERY ATTEMPT TO CONTACT the customer IN EVERY WAY before making ANY CHANGES at all, that is OBVIOUS AND CLEAR.

For these reasons, I have changed my rating of PNC Bank from "A" to "F" with no stops in between, and warn EVERYONE AGAINST PNC BANK and their gimmick "virtual wallet."

PNC Virtual Wallet has worked out great for me, its super user friendly and easy to manage. I can handle everything online and check my balance and activity right on my smartphone. I've never had a problem with PNC and their customer service has always been great, which I truly appreciate.

I have been a customer for 5 years now and have had no problems while working with PNC. I actively use PNC's Virtual Wallet account, and by far this is the only bank I have ever used that treats me like a person. I had an issue when I went to a local branch and tried to deposit cash in the ATM. When I put the cash in it jammed and I wasn't able to retreive my money nor could I deposit more cash. I went inside the branch, right at closing time on a Saturday, and talked with the branch manager who was very helpful in giving me a provisional credit for the amount of money I had already deposited so that I could still use my funds through my checking account. This process took over an hour but all employees remained in the bank branch until I was satisfied. This is what I call service.

I've been using PNC's virtual wallet account now for over a year, and its been great. It's easy to login to their app on my phone to check any balance. PNC has also made every effort to help me along the way. They usually refund any ATM fees I incur, and were more than willing to forgive a time where I overdrew my account accidentally. I can't see myself going anywhere else.

I love PNC Virtual Wallet. The app is amazingly accurate, and compared to my old bank, they process deposit transactions extremely fast. It takes about a day for any refund returns or deposits to reach my account, compared to about two or three days with TD and Citizens Bank. For people that don't have PNC Virtual Wallet, it's a really cool, new way to look at banking. When you open a Virtual Wallet account, PNC gives you three accounts, a Spend account (checking), a Reserve account (short-term savings/checking hybrid), and a Growth account (savings). I did have one issue with PNC that was a little annoying. The way PNC does overdrafts, they take money from your Growth account to cover NSFs and debit card overdrafts. The problem is, there is a federal regulation of 6 electronic withdrawals from any savings account. Even if you make a deposit or transfer the money yourself, you will still have the amount transferred to cover the negative balance. Even if you call customer service, they are unable to cancel the transaction. If this happens to you, you'll be in danger of losing your account. I had this happen to me recently, and I was extremely displeased. Otherwise, PNC Virtual Wallet gets top marks!

I have always had a good experience with PNC and my Virtual wallet account very easy online banking and I can deposit checks at most PNC ATM's (the most common bank in my city) an A strong national presence. Checks are processed as fast my old bank. Also I like that I get a Steelers Debit card. No fees is a big plus also. I don't use them for my credit card but I doubt I would ever change my checking account from them A very satisfied customer.

I have enjoyed my experience with PNC. Not long ago I have my account hacked and thank goodness PNC actually follows the laws on what to do for this. I work in financial crimes and many bank try to make people wait to "investigate" the matter. PNC immediately credited my funds back to my account so that I did not have to worry about having everything bounce and have no access to cash at all. I love banking with PNC

I've had a very frustrating experience with PNC just recently. I was applying for housing in the DC area and needed to transfer $500 to the owner as a down payment. However, PNC held up the transfer of money for no adequate reason and froze my ability to transfer money. I had to sit on the phone for 40 minutes to sort the issue through. I was never given an explanation for why this occurred. The PNC representative was very respectful and understanding, but this was still incredibly annoying. I almost missed the payment deadline because of this needless interruption. I've had decent service from them beforehand and afterwards, but it'll be a while before I can put this behind me.

I switched to PNC 6 months ago, one of the best decisions i have ever made! PNC makes managing my money through virtual wallet a quick and easy task. I can set up bill pay, automatic money transfers and my favorite feature POP money with which i can transfer money to other PNC banking members with zero fees. This makes it super easy for me and my girlfriend to send money back and forth to each other. I have never had a problem with the website and i recommend it to all my friends. Virtual Wallet you made banking easy for me and i'm thankful for that!

I've had the PNC virtual wallet for a few years now, and I've never had any complaints. My main satisfaction with the accounts comes from what you can do with it online. With my old checking account at PNC, most of my transactions had to be handled at the bank, but now many of my features can be accessed from my home or at work. It makes paying bills, checking your balances, or transferring money quite easy.