PNC is one of the 10 largest banks in the U.S., based on total assets. PNC offers credit cards, personal loans, checking accounts, savings accounts, prepaid cards, auto loans, student loans, mortgages and more. You can learn more about PNC below.
Offers credit cards, loans and bank accounts for consumers and small businesses
PNC is based in Pittsburgh and was founded in 1983. To reach PNC customer service, call 888-762-2265.... show more
PNC Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/11/2026.
3.6
7,275 reviews
from WalletHub and across the web
7,275 reviews from WalletHub and across the web
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PNC
WalletHub @WalletHub
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5 Star Rating
editor's review
2026 PNC Personal Loan Review
PNC personal loans have low APRs, ranging from 8.14% - 24.99%, based on applicants’ creditworthiness. While you might be able to find a lower minimum rate from other lenders, PNC’s maximum is one of the lowest around. That means even people who just barely qualify for a loan will still get a good rate. Plus, PNC further minimizes costs because the origination fee is None. PNC offers $1,000 - $35,000 in funding, with 6 - 60 months to pay the loan off.
There are a few drawbacks to PNC personal loans, such as the fact that rates vary heavily by ZIP code. PNC isn’t as transparent as they could be about approval requirements, either. However, the benefits definitely outweigh the shortcomings.
PNC Personal Loan Review Highlights:
PNC personal loan rates: 8.14% - 24.99%
Funding timeline: 5 - 7 business days after approval
PNC personal loan requirements: 18+ years old; SSN
Loan amounts: $1,000 - $35,000
Payoff periods: 6 - 60 months
Origination fee: None
Late fee: Varies
Customer satisfaction: PNC holds an A+ rating from the Better Business Bureau and an average user rating of 3.6/5 on WalletHub.
Overall, PNC offers personal loans with very attractive rates, though it’s a bit difficult to get some information on those loans. You can also try out WalletHub’s pre-qualification tool to check your status with other lenders.
Below, you can see how WalletHub rates PNC in three key categories: Terms, Requirements & Application, and Reviews & Transparency.
PNC Ratings by Category:
Category
Editor’s Rating
Terms
2.9/5
Requirements & Application
4/5
Reviews & Transparency
3.5/5
Overall Score
10.4/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: PNC Personal Loans
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Kristopher @cronfamily411
This editor must not bank with them. On this page alone 18/22 reviewers left 1 star. How can this editor's review possibly be accurate when they're in a class action lawsuit?
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PNC
Parita Patel @patelparitakiran
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1 Star Rating
BE AWARED OF PNC BANK: I deposited a large check ($45.000) that were the proceeds of the sale of my vehicle. The funds have been held since March 2026!
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Product: PNC Checking
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PNC
Joe Truth @smargalicious
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1 Star Rating
PNC uses foreign call centers from Pakistan, Bangladesh, India, and the Philippines for their phone contacts. VERY difficult to understand or trust, especially if they call about fraud issues. Twice I had to deal with businesses using PNC Bank and both times the outcomes were negative. Businesses AVOID this bank if at all possible.
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Product: PNC Checking
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PNC
RICARDO LAWSON @ricardolawson1
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5 Star Rating
I want to Thank TJ Jackson at PNC BANK at Bessemer Alabama for the outstanding service. My direct deposit went to an account that was close.Mr Jackson help me get my funds into the right account. Thank you for caring and the great service.
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Product: PNC Checking
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PNC
Cesar @crocpa
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1 Star Rating
I have a 798 on Experian which is what PNC checks, over 400K income and PNC gave me aeasoy $3K in credit. I have American Express with $22K and Wells Fargo $25K. I had to drive to the bank because they don't accept online applications for non-members. You actually have to apply at the bank. I was embarrassed to get a $3,000 credit line.
My checking account debit card was hacked by someone who used my money for an online casino. I reported it to the PNC fraud department and they conducted an investigation that resulted in a loss of $600.00 of my money.
I guess since they couldn't find the person or persons who took my money, they stated that their results determined no fraud occurred. I don't gamble at brick-and-mortar casinos or online. I provided two text messages that I received from a number that claimed to be PNC's fraud division, and they still said it wasn't fraud.
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Product: PNC Checking
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PNC
colleen schardt @colleenschardt
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1 Star Rating
I have had a credit card with PNC for about 20 years. Last June 2025, I noticed they took 10 days to process my payment. The months following were all delayed, too. Finally, my September payment was never posted at all. I suspect they might be short-staffed in their mail/accounting area. They immediately charged me with late fees and interest, even though when I discovered this delay, about 2 days after the due date, I made a payment over the phone. I was told by a representative that they would remove the fees. But they did not. After months of calls and complaints, Kathryn, a representative, called me. I explained everything to her. In the end, she said, "All fees and interests would stand." Her words were, "Sorry you are not happy with the results." She took no accountability. She seemed to take pleasure in her authority. Do not use PNC. I saw in other reviews that this is a common practice: delaying payments and then charging the customer.
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Product: PNC Credit Cards
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PNC
angela @auntange7
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5 Star Rating
Verified Customer
Excellent service. Great being able to manage my credit cards in one location.
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Product: PNC Mortgages
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PNC
slmsunny506 @slmsunny506
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1 Star Rating
PNC Bank charges higher fees than other local banks. Their customer service is terrible! I tried to report that the only PNC ATM in Strasburg, PA has not been working correctly—it's unable to deposit checks. I made four trips to the ATM in four days, and no one has been sent out to address this malfunction. I've tried to call three branches and the corporate office to report the issue. No one picked up the phone in over an hour of waiting! This bank is terrible. Try Univest Bank instead! They have lower fees, and deposited checks are usually available immediately. The staff at Univest are friendly!
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Product: PNC Business Services
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PNC
smleonard11 @smleonard11
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5 Star Rating
I recently had the pleasure of working with Nick Lakhani at PNC Bank, and I couldn't be more impressed. As someone new to credit cards, I was overwhelmed by the process. Nick patiently walked me through each step, explaining the benefits and responsibilities clearly. His knowledge and helpful demeanor made the entire experience stress-free. I'm truly thankful for his guidance!
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Product: PNC Credit Cards
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PNC
William Burbage @billyburbage1
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2 Star Rating
Tried to get a Home Equity loan, but the communications were severely lacking, thus taking several weeks to accomplish many requirements. I went with another lender and had my HELOC approved and funded within 2 weeks.
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Product: PNC Home Equity
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PNC
george Mo @george_9729
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1 Star Rating
After over 20 years of banking with PNC, including business, personal, CD, and IRA accounts, I am no longer a customer. Today's PNC Bank puts their otherwise good employees in the awkward position of selling and administering products for which they have not been adequately trained, nor given sufficient authority to manage. When something goes wrong in administering the product (CD, 1099, IRA, etc.), the resolution is thwarted by some obscure upper management policy. This leads to much unnecessary expense, multiple trips to branch offices, and long waits on the phone. In addition, their commitment to working to prevent fraud seems to be mostly just a marketing ploy. A PNC Bank branch employee literally told me to ignore a blatant fraud attempt because they happen all the time and PNC does not have the personnel to respond.
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Product: PNC Investments
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PNC
Tom Gober @tomgober
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5 Star Rating
PNC for Business (Beaver, PA) was outstanding today. Vince Slavinsky, manager, was courteous, patient, and professional in helping us get our new business account open. I am delighted.
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Product: PNC Business Services
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PNC
Vira Ceci @viracc945
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1 Star Rating
Stay away from this bank! They will not provide even the most basic customer service without charging exorbitant fees. Their only goal is to take your money and give it to the 1%. I plan to close my account as soon as possible.
Get answers to your questions about PNC below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
To log in to your PNC Bank credit card account, go to the login page on the PNC Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Enroll In Online Banking” in order to set up a username and password.
How to Log in to a PNC Bank Credit Card Account
Register your PNC Bank credit card for online account access. Click “Enroll In Online Banking” and enter your account number and your Social Security number or Tax ID Number to verify your credit card account.
Create your PNC Bank card username and password. The username must be 8 to 20 characters long and contain no spaces. To create a strong password, use a combination of upper and lower case letters, numbers, and special characters.
Log in with your new PNC Bank credentials. From the login page on the PNC Bank website or app, fill out the User ID and Password fields using your new credentials, then click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your PNC Bank credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, you can reset or retrieve your username or password by clicking “Forgot ID or Password?” on the PNC Bank login page and follow the prompts.
To talk to PNC Bank customer service, call 1 (888) 762-2265 and then press 1 and wait for your call to be transferred to a customer service representative. This process will get you in contact with a live PNC Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to PNC Bank Customer Service by Phone
Call the PNC Bank customer service department at 1 (888) 762-2265.
You can enroll in Zelle through the PNC Mobile Banking App or Online Banking. Then you can send and receive money from people with a U.S. checking or savings account at participating banks.
It's important to note that this feature may change without prior notice. For the most up-to-date information, please refer to the PNC website.
Yes, PNC could be a good bank if you're looking for a large branch network and a wide range of products. It offers multiple checking and savings accounts, catering to the needs of different customers.
However, you might consider other options if you prioritize quality customer service, checking accounts with lower fees or savings accounts with higher interest rates.
Ultimately, the best bank depends on your individual needs and priorities. It's helpful to compare options and consider factors...
To get your PNC Bank credit card statement online, log in to your online account from the PNC Bank website or mobile app. Once you are logged in, you will be able to view your most recent transactions and select statements from the previous 4 years to view, download, or print.
How to Get a PNC Bank Credit Card Statement
Log in to your online account from the PNC Bank website or mobile...
The PNC overdraft fee is $36 per transaction that overdraws your account, if you have a PNC checking account that allows overdrafts. Some PNC accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
Key Things to Know About PNC Overdraft Fees
Not all accounts are eligible for overdraft services. While most of PNC's checking accounts come with overdraft capabilities, not all...
The best PNC business credit card is the [cc-name id="3018" linked="true"] because it gives [cc-earn-rate-all id="3018"], plus an initial bonus of [cc-initial-bonus-editorial id=3018] of account opening. It also has a [cc-annual-fee id="3018"] annual fee.
BBVA has partnered with Zelle. However, the service has not yet been launched. You can find out when Zelle will be available for you to use with your BBVA account on Zelle's website, here. You will be able to use the service via your mobile banking app.
No, PNC Bank does not have a student credit card. PNC Bank does not offer any other credit cards for people with limited credit history, either, which means students and other applicants with no credit will need to build some credit history before applying for a PNC Bank card.
If you're hoping to get a student card, check out WalletHub's editors' picks for the best student credit cards from other issuers. Student credit cards usually offer better...
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* The information about the following cards has been independently collected
by WalletHub: PNC BusinessOptions® Visa Signature® Credit Card and PNC Cash Rewards® Visa Signature® Business Credit Card.
