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 10/08/2025.
3.6
7,236 reviews
from WalletHub and across the web
7,236 reviews from WalletHub and across the web
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PNC
WalletHub @WalletHub
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5 Star Rating
editor's review
2025 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: As soon as the same day you're approved
PNC personal loan requirements: 18+ years old; SSN, ITIN or passport
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. Fortunately, you can pre-qualify for a PNC personal loan online without hurting your credit. 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
4.6/5
Requirements & Application
5/5
Reviews & Transparency
3.3/5
Overall Score
12.9/15
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
Comment
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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
Chaz Krebs @chazkrebs
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1 Star Rating
Verified Customer
Long-Time Customer, Yet Refused Any Help After 13 Years
I originally took out a PNC student loan in January 2011 for $25,000. I graduated in May 2012, and after my grace period ended in November 2012, I began consistent repayment. Over nearly 13 years, I've paid $32,288.20 toward the principal and $23,481.85 in interest — totaling over $55,000 — yet I still owe $7,119.82.
Despite my long history of on-time payments and loyalty, my variable interest rate is now 12.18%, which is unreasonably high for a customer with this kind of repayment record. I recently reached out to PNC to request a rate modification or a refinance option, hoping they would value my years of good standing. Unfortunately, they declined to offer any assistance.
For comparison, SoFi is currently offering me 6.52% with an additional 0.25% discount for autopay — nearly half the rate PNC insists on maintaining.
It's disappointing to see that major institutions like PNC won't support long-term, responsible borrowers. If you're considering a student loan, look elsewhere. If a company won't reward loyalty or offer fair refinancing options after more than a decade of good faith payments, why become a customer in the first place?
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Product: PNC Student Loans
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PNC
RJ Mayer @sandstones
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1 Star Rating
I applied for this PNC credit card with the intention of making it my primary card. Unfortunately as a result of continually being jerked around by PNC, that card is now sitting in my desk drawer and is unlikely to ever be used again.
Initial approval required far more effort than any other card I’ve ever applied for—even though I already had a PNC checking account (for which I’d provided full ID). For the credit card, however, PNC insisted on seeing my original Social Security card, not a photo—something no other bank has ever required. That meant a wasted trip to the branch, followed by a second trip after retrieving the original card from a safe deposit box.
When I finally received the credit card, it came with a middling credit limit that didn’t meet my needs. After six months of use to build history, I requested a higher limit. Instead of approval, I was denied with the explanation that my “payment obligations were too high in relation to income.” This was absurd—my income last year was ten figures, more than 500 times the credit line I applied for.
At that point I was ready to close the account, but customer service suggested an appeal. That process turned out to be yet another spiral of bait and switch requests. I spoke with someone at PNC who I believed was a decision-maker, but they only collected more information. Then I got a request to unfreeze my credit at all three bureaus so they could run another check. More hoops, more hassle, and still no closer to the original goal. At that point I told them to pound sand, which in hindsight is what I should have done when I got the first request to take my Social Security card to the branch.
A word to Bill Demchak (the CEO): Frustrating and driving away high-net-worth customers is not the way to reach your goal of building a trillion-dollar bank.
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Product: PNC Credit Cards
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PNC
Peter Gaudreau @pagaudreau_fl
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1 Star Rating
I've banked with PNC Bank for about 10 years. I'm on my way out of this bank because they are terrible. They have absolutely no safeguards for your money. I cannot count the number of times they have let transactions go through from someone buying something in California. Here's a really foolish one you'll like. Someone used my account to buy something at a California place called Voltmaster; they flagged it and denied it, then called me, and I told them it wasn't me. They did nothing about it; two weeks later, at the same place, they let a transaction go through for $14.89. I called them about it, and the representative on the phone says, "Here is the phone number; call them yourself; it will be faster." Really? So, it's been a couple of months, and today at the same place, someone tries to charge $59 worth of items, and they deny it and call me. They want to cancel my card and send a new one in 7-10 days. I ask how I am supposed to live without my card for that long; they answered, "I don't know." I tell them not to cancel the card and to call me if anyone tries to use my card. "OK," she says, then I look in my account and someone has charged $196.00 and $216.99 to my account. I see the name and call the vendor; they cancel it and refund the money. Where was PNC during this time? I say do not bank with these incompetent people; you will regret it big time. The last 4 years they have been the worst. They were supposed to close out a card once I already had a new one. I looked at my card section, saw it was still there, and DoorDash was charging me monthly for about 8 months for something they shouldn't have. But the point is the card was supposed to have been closed and wasn't! And they only refunded $91.00, and it should have been a lot more. But they sent me a letter with a nonsensical reason on why that's all they owe me. You'll regret banking here. DON'T DO IT!!
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Product: PNC Checking
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PNC
marko_tresac @marko_tresac
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1 Star Rating
II have never, ever received a card larger than the security of 300 dollars. I have no debts, I always have 10-20 000 dollars in my account
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Product: PNC Credit Cards
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PNC
Edward Carothers @edwardc_242
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1 Star Rating
I applied for a home equity loan with them and I was not disappointed that I didn't get the loan. I was more disappointed that no one ever contacted me to let me know I didn't. When I called, the staff was not friendly or polite; they just wasted my time. After waiting over 45 days to hear back from them, I finally contacted them, and that is when I found out the decision. They were never going to tell me; they just ran my credit and wasted my time and effort. That's bad business.
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Product: PNC Home Equity
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PNC
Tarence Wright @Tarence55
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5 Star Rating
It is a pleasure to share a positive experience about someone's excellent customer service. The mentioned individual demonstrates a commendable approach in their interactions. The level of service provided is something to be truly happy about. This specific branch is a testament to the importance of good customer relations. Briana, second booth. Tarence Wright.
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Product: PNC Checking
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PNC
Joy Enriquez @jenriquez678
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1 Star Rating
This PNC Bank statewide is lacking when it comes to customer service. Don't even consider opening an account, whether it is personal, business, or investment. There aren't many people that come into this bank. Check TrustPilot, Bankrate, Yelp, and WalletHub for reviews; there are very negative comments about this traditional bank and how the employees treat customer accounts. You will regret it! Never entrust your money to their platform. You might end up in a courtroom or filing multiple complaints. This bank does not value customers' time. I have been rating this bank very low—below zero, as I refer to it as a "subpar bank."
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Product: PNC Checking
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PNC
kelsi duncan @kelsi_duncan
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1 Star Rating
This is the worst bank I’ve ever had almost 30 years of living.Customer service is terrible,Online banking is outdated and SUCKS.They expected me to keep banking with them after locking me out of my account.No consideration for their members.RUN!DON’T WALK away from this bank !!!
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Product: PNC Savings
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1
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PNC
Richard McCabe @branchltd
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1 Star Rating
I got my first credit card in 1972. I have this one and another from USAA now. This one is the worse of the two, the worst I can remember. I can't log into their website at home. Evidently, they expect me to have no cybersecurity so they can do whatever they want. But it's not just at home; it’s also at work. My company is not small and has just the typical security. In effect, I have no online access. I have to go to a branch office to make credit card payments. Unfortunately, I do work and branch hours are limited. If I make two payments—even several, if each is several times what is due—when I can get to the bank, the second doesn't count for a bill date two days later. That was true of companies in 1972, but it's not typical now. With my USAA account, if I pay that much, it lets me skip a payment. But I don't need to because USAA has a competent IT policy that makes it easy for their clients to get online while still maintaining some of the best security in the banking world. I don't think it's an accident. I think PNC does these things on purpose so they can collect their exorbitant fees—the highest fees I ever remember seeing. My advice is not to listen to the sales pitch. If you are offered a PNC credit card, just say no.
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Product: PNC Credit Cards
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PNC
Betty @bjhutton
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1 Star Rating
Website, the "new and improved" one is horrible, to say the least. It looks like it was written by a third grader. Checks don't go out on time, the website uses a giant font, and it is so cumbersome to use. I'm changing banks.
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Product: PNC Checking
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PNC
Josh Burns @joshuajburns21
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1 Star Rating
This is the worst bank I've ever dealt with. They take no responsibility for their actions and have no problem leaving their customers in a difficult situation. Two months ago, I tried to close an account that had fraudulent activity. Over the last two months, they've given me every excuse in the book about why they can't close the account. Now, this account is $800 overdrawn. My other account with them has my direct deposit. I got paid today and went to withdraw $1000 so I could open an account elsewhere. The ATM did not dispense the money, yet it deducted the money from my account. PNC says they'll dispute the transaction, but because it's pending, there's nothing else they can do. So, because their machine didn't work, I'm down to $5 to my name for an unknown length of time. They don't care; it's not their problem. The customer service and overall experience are unacceptable.
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Product: PNC Checking
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1
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PNC
Kristopher @cronfamily411
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1 Star Rating
Worst banking experience I have had in over 30 years. Their online banking app is inadequate and doesn't update for days at a time, leading you to believe that you have funds in your account when it may be low or even negative. They have the highest overdraft fees I have encountered. Forget about making purchases over the weekend; they were not processed until Tuesday, five days later. They also refused to waive overdraft protection fees that other banks are usually willing to do (such as for unexpected automatic withdrawals). When requesting a waiver, we were informed that we had already been granted one in September of 2024 (nearly a year ago). They are also currently involved in a class action lawsuit for "profiting at the client's expense." Do not bank with them.
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Product: PNC Checking
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PNC
smm_john316 @smm_john316
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1 Star Rating
After running out of checks, I received an automatic shipment of new checks. For $23.68, did I receive two or three boxes of checks (8-12 books)? No, I received only two books of checks with a total of four deposit slips between the two books. Just another insult to injury on top of the $0.01 interest on my balance. What started as my local community bank has morphed into a gigantic conglomerate. No problem... I just switched to a genuine local bank!
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Product: PNC Checking
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PNC
Cynthia Martin @mcindy1147
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3 Star Rating
There are things in the fine print you must be aware of. You no longer get the advertised rate after you reach $8000 in a year, so you must keep track online. Also, the 3% for restaurants isn't always accurate. You must ask if the restaurant is categorised as such. Recently my family ate at an upscale Spanish restaurant but only received 1% instead of 3% because it was not categorised as a restaurant. The restaurant was full of people, including children, who were eating food at nice tables, but PNC told me I should have asked to see if they were categorised as a restaurant. It had the word restaurant in its name and is listed as a restaurant online. All of this information is in the fine print. You need to know these things when choosing the best benefits on a card.
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 “Login” 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 Social Security number, account number, and online access PIN 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 mobile app, fill out the User ID and Password fields using your new credentials, then click “Login” 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, click “Forgot ID or Password?” on the PNC Bank login page. Then, just follow the prompts to reset or retrieve your username or password.
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 PNC Cash Rewards® Visa Signature® Business Credit Card because it gives 3% cash back on all purchases for the first 12 months and 1.5% thereafter. The PNC Cash Rewards® Visa Signature® Business Credit Card also has a $0 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 Cash Rewards® Visa Signature® Business Credit Card and PNC Points Visa® Business Credit Card.
