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 07/09/2025.
3.6
7,221 reviews
from WalletHub and across the web
7,221 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
Kristopher C @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!
I was approached by PNC to reconsider my Home Equity Loan, and the entire deal turned out to be deceptive. They urged me to take advantage of the offer, despite my instructions not to squander my time. We spent hours uploading documents to the "secure portal" which, they claim, they never received, forcing us to send them via email. Later, they informed us we had no equity, even though we currently have the loan and possess eight times the loan amount in equity. They also claimed I didn't meet the "owner-occupied" requirement, despite the fact that I reside in the property. They wasted hours of my time asking for documents repeatedly, assuring me we were "pre-approved" and "almost there," only to send a form letter containing fabricated excuses to deny the loan. I am transferring all of my accounts away from this disreputable bank.
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Product: PNC Home Equity
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PNC
jessica mcalister @jessimac6
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5 Star Rating
I am very impressed with this bank and I'm also impressed with the app because it's easy to use, very user-friendly, and has so many options to save money or invest. It's amazing. There are no words because I was with another bank prior, and they were ancient compared to this.
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Product: PNC Bank Account
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PNC
nawwar bo @nowbbh
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1 Star Rating
I had the worst experience ever with PNC credit card's customer service. It was very bad and rude; no supervisor was available to help. They treated their customers poorly. I plan to close this account as soon as possible.
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Product: PNC Credit Cards
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PNC
Valerie Bocz @valbocz
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1 Star Rating
Verified Customer
"Previously, on a trial basis for the loan modification at PNC Bank, I received documentation regarding the due dates of payments and the appropriate addresses for sending them. However, I have not received this information in a timely manner for the current payment. Additionally, contacting someone in the PNC Bank Loan Department over the phone is virtually impossible without being disconnected several times.
Unfortunately, I cannot go to a PNC branch to make the payments due to a security issue in Charlotte, NC. I am also hesitant to make a payment over the phone for the following reasons. Please note that this has been an ongoing issue since 2022.
Chinese infiltration of PNC Bank is a concern. PNC Bank's Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) and Sanctions program is a sector within Enterprise Compliance, with the Chief AML Officer reporting directly to the Chief Risk Officer (CRO). The enterprise policy for the program is in line with regulatory requirements and provides governance and oversight of PNC business units. The program establishes minimum BSA/AML and sanctions standards to ensure that PNC offers compliant products and services and conducts business activities in accordance with applicable laws, rules, and regulatory guidance. The Chief AML Officer provides updates to multiple committees throughout the year.
Punishments for international fraud depend on the nature of the crime and the jurisdiction: - Wire fraud, a federal crime in the United States, may result in up to 20 years in prison and $250,000 in fines. If the crime affects a financial institution, the penalty may increase to 30 years in prison and $1 million in fines. - Anti-Money Laundering (AML) sanctions violations can lead to severe legal consequences, including fines of up to $20 million and imprisonment for up to 30 years.
Fraud is considered false representation, dishonesty, or deceit, and it can violate both civil and criminal law.
I am a victim of a scam at PNC Bank, involving $900,000 consisting of unauthorized international wires sent from my PNC Bank checking and savings accounts to China. The matter at hand is that I did not authorize the international wires that were sent from my accounts. PNC Bank is also wrongfully accusing me of being involved in the scam and the international wire transactions.
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Product: PNC Home Equity
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PNC
gospeldiva3 @gospeldiva3
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1 Star Rating
PNC is a joke, and the way they handle their credit card clients is terrible. You can have an exemplary account with them, never late, paying your balance off, and they will still decrease your available credit without even informing you. I discovered this by attempting to use my card. I would love to close the account, but of course, closing an account can negatively affect your credit score. PNC can keep that small remaining balance because I work with much better credit companies that respect and appreciate clients with substantially higher credit limits.
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Product: PNC Credit Cards
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PNC
Thomas Gennaro @Tgennaro
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1 Star Rating
The PNC points card is a marketing scam that misleads its consumers. Absolutely do not go with PNC Credit Cards. Any other option is better. The points are worthless. PNC offers good banking options, but it’s credit card is absolutely not one of them. Avoid PNC points card
The website is terrible. They intentionally have it set up so that monthly payments aren't applied on time, causing interest and late fees. DO NOT USE.
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Product: PNC Credit Cards
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PNC
Chad Allen @clallen1990
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1 Star Rating
This review is specific to how PNC handles mortgages. My mortgage was initially with another company but was sold to PNC, which seems like standard practice in the mortgage industry. I have no complaints about the initial mortgage company, but I do have concerns about how PNC is managing my unfortunate life event.
Legally, I need to remove another person from the existing mortgage, and I qualify for a loan assumption. There were no issues with the loan assumption pre-approval given my income and lack of other debts, so I proceeded with the formal approval and loan assumption. That was 6 months ago, and there isn't an end in sight. Throughout the past 6 months, PNC has requested additional documentation, which I provided, and then went back on their word regarding the loan assumption requirements. It would take weeks for PNC to review each set of additional documents and respond.
What prompted this review is that PNC is conducting multiple hard credit inquiries, which are impacting my credit score and my ability to secure a mortgage through other options. They already have all the possible financial documentation I can provide and are no longer asking for consent before making hard credit inquiries. It seems that PNC does not want me to assume the loan because they could make more money off me if I am forced to refinance. The additional hard inquiries could then serve as justification for an increased interest rate when I am compelled to shift from an assumption to a refinance.
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.
Yes, a PNC account is FDIC-insured up to $250,000 per customer, per account ownership category. This means that even if PNC fails, you will eventually be able to recover an individual account's balance up to $250,000.
If you have a joint account, each co-owner of the account is considered a separately insured customer. As a result, you can collectively recover the account's balance up to $500,000 in the event of a bank failure, assuming...
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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.
