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.
3.7/5 rating among users on WalletHub
A+ BBB rating
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
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/26/2022.
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5 Star Rating
PNC Personal Loan Review
PNC personal loans have low APRs, ranging from 9.24% to 19.44%, 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 they don’t charge an origination fee. PNC offers up to $20,000 in funding, with up to 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: 9.24% to 19.44%
• Processing timeline: 1 to 2 business days
• PNC personal loan requirements: 18+ years old; SSN, ITIN or passport
• Loan amounts: $1,000 to $20,000
• Payoff periods: 6 to 60 months
• Origination fee: $0
• Late fee: Varies
• Customer satisfaction: PNC holds an A+ rating from the Better Business Bureau and a 3.6/5 user score.
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.
Worst banking experience. I've moved to capital one and I'm happy with them. PNC is a scam company. I have multiple accounts and even if I have $4000 in one account, if another goes to zero, I get a fee. I'm just wanting others to know.
I banked with PNC for a couple of years and then out of the blue, they closed my debit card down due to suspicious fraud. The transaction in question was one that was being made by me. Instead of a courtesy call to verify that the transaction was legit, they closed my debit card and said I had to wait 10 business days before I could get a new one. All of by banking is done online and by closing my card, they left me with NO access to my money until the new card arrived. No way to buy food or put gas in my car! Im done with this bank!
Do not use for a Mortgage Loan. The Underwriter makes up their own rules and qualifications for your loan to be approved. You may be told that everything is going well by your loan officer and start paying for things and even have to provide more documents and information, just to make the underwriter happy, even though you provided the information already or who they may need to contact to verify, the Underwriter will decide will on what they want to accept or spend time to verify and will not communicate with the loan officer. We missed our deadline dealing with PNC and their underwriter not accepting a non taxable documented employment with years of documentation. We paid for the appraisal and other needed things a week before the deadline and our loan officer could not get the underwriter to update them on anything causing for their boss to get involved until our loan officer told us that we need to go look elsewhere because the underwriter wasn't going to approve us, even though his boss said all our information and documentation was good. Our loan officer was told prior to us paying for the appraisal that our file was good to go by the Underwriter but a week later, no communication until a few days after the deadline has passed. When brought to PNC about their failures on how this was handled, and requesting compensation for the appraisal, PNC saw not issues with what occurred after doing a "lengthy" investigation and refused the request. Getting denied for a loan is part of the game, but lack of communication, being told inconsistent information and even being told by the company's loan officer to go look at another company and apologizing for how the Underwriter handled our file, are all red flags as to why you should not use PNC for a mortgage loan.
I cant speak for anyone else, I have been with them for almost 7 years, ,, and my family has been with them for almost 30 years with few few it at all complaints.. Not like I have delt with the Larger Banks,,, The Big 4,,, BOA,,, Wells,, Chase and Citi... Citi I didnt have alot of issues with but them pretty much got rid of all or most there branches a few years back so I was forced to close my accounts with them.. I was not willing to drive 20 mins to get to a Citi... Especially when there was a PNC right up the street and I really am glad I did..... There Virtual Wallet Performance Select acct I am speaking of because thats the only acct I have ever had.... The acct is flawless works well.... I have seen more alerts with this bank inside the Website than any other Bank..... They have alot and I mean alot of categories for alerts.... Free Cashiers Checks,,, Mobile Wallet,, Finally being able to do Wire transfer within the app... instant issue debit card at branch like TD Bank has.... Past 2 Weeks PNC also partnered up with the Allpoint Network,,, so you can now use 60,000+ atms without a charge. Also PNC also gives you 20 extra reimbursement outside of allpoint. 60,000+ Atms free something you wont never get with the Big 4,,, only prob if you have there highest tier Checking accounts with 200,000 or more which is crazy. I have nothing but good things to say about them.. I am glad I followed my mind and went with them. PNC is definaltely a Main Street Bank.
If you are a reliable client PNC is not for you. There account structure pays less interest than most banks. While they used to have benefits for premium accounts, they decided to pay for doing away with overdraft fees by taking away the benefits for the reliable investor. When I went in to talk to them about any available accounts which would suit me better, I can only describe the branch manager as a condescending bully. I will be moving my accounts.
PNC is the worst bank I was ever unfortunate enough to end up with. They bought a local bank in North Carolina. They lost 3300.00 of my money, but without any proof said I took it out of the account. They required that I prove that I did not do so. How do you prove you did not remove money if you have no paperwork to back it up. Finally a supervisor came into the discussion, spoke to me like I was 4 years old, and I was out 3300.00. The best thing that could happen to PNC is for them to be purchased by a real financial institution.
1 Star Rating
Truly the worst banking customer service. I thought the branch was bad, but once you get someone from another country, they take service to another level. Unless you have no choice, do yourself a favor and stay away from this monster of a bank. They don't even deserve ONE star.
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.
The best PNC business credit card is the PNC Cash Rewards Visa Signature Business card because it gives 1.5% cash back and a $200 signup bonus for spending $3,000 in the first 3 months. Cash back can be redeemed for statement credits or as a deposit to a PNC bank account. The PNC Cash Rewards Business card has a $0 annual fee and is offering 0% APR on purchases for the first 9 billing cycles.
2022 PNC Business Credit Cards
PNC Cash Rewards Visa Signature Business Credit Card
PNC Points Visa Business Credit Card
PNC Travel Rewards Visa Business Credit Card
PNC Visa Business Credit Card
PNC BusinessOptions Visa Signature Credit Card
These 5 PNC business credit cards are also the only business cards offered by PNC right now.
No, there are no PNC credit cards available for students right now. Plus, most PNC consumer credit cards require at least good or excellent credit for approval. That puts them out of reach not only for most college students, but also the average person.
While there is no PNC student credit card, there are a number of quality cards from other issuers designed specifically for students. They include the Deserve® EDU Mastercard for Students, which gives 1% cash back on all purchases.
Another credit-building option is to open a secured credit card account. A secured card requires you make an upfront deposit to set your credit limit. A good secured credit card to consider is the Capital One Platinum Secured Credit Card. You'll receive a $200 credit limit with a required deposit of $49, $99 or $200 based on the specifics of your credit history.
Here are some alternatives to a PNC student credit card:
The Deserve EDU offers 1% cash back on all purchases. This card is also a good choice for international students, as it has no SSN requirement and charges $0 foreign fees. The card has a $0 annual fee.
The Bank of America® Unlimited Cash Rewards credit card for Students offers a $200 after spending $1,000 in the first 90 days. Plus, the card gives 1.5% cash back on all purchases. The Bank of America® Unlimited Cash Rewards credit card for Students also comes with an intro APR of 0% for 18 months on both purchases and balance transfers. The card's regular APR is 16.24% - 26.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
The BankAmericard® Credit Card for Students gives you a . This is one of the best student cards for financing, as it offers an intro APR of 0% for 21 months on both purchases and balance transfers. The card's regular APR is 14.24% - 24.24% (V). There is also a 3% (min $10) balance transfer fee. This card has a $0 annual fee.
Capital One Platinum Secured offers an initial credit limit of $200 with a deposit of $49, $99 or $200, based on the specifics of your credit history. You will be eligible for a credit limit increase when you make your first six monthly payments on time. The card has a $0 annual fee.
You can also check our editors' latest picks for the best student credit cards on the market to see which one suits your needs better.
Ultimately, it is worth noting that students can still get a PNC credit card by somehow building at least good credit or getting an existing cardholder to make them an authorized user.
Unfortunately, there are no clear instructions on how to close a PNC account on PNC's website. You best option is to contact PNC's customer service at 888-762-2265 or visit a local branch (https://apps.pnc.com/locator/#layout=landing). If you already have online access with PNC then you can log into your account and can also send a secure message for more assistance. After getting all the details and closing the account, remember to obtain a written confirmation to keep for your records.