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 02/19/2026.
3.6
7,255 reviews
from WalletHub and across the web
7,255 reviews from WalletHub and across the web
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
PNC
WalletHub @WalletHub
Report Abuse
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
Comment
14
9
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?
show more
show less
Comment
0
0
PNC
Tree Wells @Hntng4u
Report Abuse
1 Star Rating
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.
show more
show less
Product: PNC Checking
Comment
0
0
PNC
colleen schardt @colleenschardt
Report Abuse
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.
show more
show less
Product: PNC Credit Cards
Comment
0
0
PNC
angela @auntange7
Report Abuse
5 Star Rating
Verified Customer
Excellent service. Great being able to manage my credit cards in one location.
show more
show less
Product: PNC Mortgages
Comment
0
0
PNC
slmsunny506 @slmsunny506
Report Abuse
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!
show more
show less
Product: PNC Business Services
Comment
0
0
PNC
smleonard11 @smleonard11
Report Abuse
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!
show more
show less
Product: PNC Credit Cards
Comment
0
0
PNC
William Burbage @billyburbage1
Report Abuse
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.
show more
show less
Product: PNC Home Equity
Comment
0
0
PNC
george Mo @george_9729
Report Abuse
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.
show more
show less
Product: PNC Investments
Comment
1
0
PNC
Tom Gober @tomgober
Report Abuse
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.
show more
show less
Product: PNC Business Services
Comment
1
0
PNC
Vira Ceci @viracc945
Report Abuse
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.
show more
show less
Product: PNC Checking
Comment
1
0
PNC
Joe Smith @kelbel8099
Report Abuse
1 Star Rating
We are new to the community and needed a bank close to our residence. We chose PNC and opened a new account. They have held my opening deposit for a week now and have not released our funds, even though the check written on our previous bank has cleared. PNC is making us jump through hoops to access our own money, making us feel like criminals. Do not bank at PNC.
show more
show less
Product: PNC Checking
Comment
1
0
PNC
Chaz Krebs @chazkrebs
Report Abuse
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?
show more
show less
Product: PNC Student Loans
Comment
1
0
PNC
RJ Mayer @sandstones
Report Abuse
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.
show more
show less
Product: PNC Credit Cards
Comment
1
0
PNC
Peter Gaudreau @pagaudreau_fl
Report Abuse
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!!
show more
show less
Product: PNC Checking
Comment
1
0
PNC
marko_tresac @marko_tresac
Report Abuse
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
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.
In case you forget your login information, you can click “Forgot ID or Password?” on the PNC Bank login page and 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...
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* 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.
