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 09/23/2025.
3.6
7,232 reviews
from WalletHub and across the web
7,232 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
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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
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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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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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.
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Product: PNC Credit Cards
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PNC
andrew_1110711 @andrew_1110711
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1 Star Rating
Customer service is pitiful. The process is designed to make paying off a loan difficult to impossible. They refuse to provide payoff amounts except via fax or postal mail. They refuse to accept cash at a branch for loan payoff because they need "certified funds." It is absolute idiocy.
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Product: PNC Mortgages
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PNC
edwinmiller44 @edwinmiller44
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1 Star Rating
Applicants for this card, beware. If you do a balance transfer, there is no grace period for purchases. In other words, you will automatically incur interest charges when you make purchases until the balance transfer is paid in full—the 0% APR only applies to balance transfers. Before making any charges on this card, I specifically asked a PNC representative how to avoid paying interest on purchases. I was explained that as long as I make my payments enough to cover the minimum payment due on the balance transfer as well as enough to cover my purchases within the statement cycle, I would not incur interest. This is not true. This card is going in the trash.
When I first got with PNC, I had a Foundation Checking and a Standard Savings; a month later, I was moved to the Standard Virtual Wallet and I absolutely love the PNC Virtual Wallet Account because of the convenience of the account and having all my money together! (Spend, Reserve, Growth.) It's easy to budget and save that way for short-term and long-term savings, which I love. PNC has been amazing for me since I joined them. I had a few hiccups, but this bank is amazing!
I always highly recommend their Virtual Wallet Account or their Foundation Checking if you need a second chance like I did. PNC is awesome!
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.
