VERDICT
Should I use PNC?
Not disclosed - pnc.com
Depends. Reasonable if you want full-service branch banking in PNC's footprint and can dodge its fees. Savers and app-first customers should bank elsewhere.
Categories
Confidence
Medium. Based on 18+ public sources; several review snippets were truncated, so exact ratings were unavailable.
Ratings
Pricing
Simple Checking
Fee terms not stated in reviewed sources
ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Best for
- Branch banking in PNC's Eastern US footprint
- Full-service relationships: mortgage, loans, investing
- Mid-size businesses needing treasury management
- Simple Checking seekers wanting fewer fees
Not for
- Savers chasing yield — 0.02% APY is a dealbreaker
- App-first customers who never visit branches
- Fee-averse people who won't track waiver rules
- Anyone outside PNC's mostly Eastern US footprint
Gotchas - check before you buy
high
0.02% APY on savings — large opportunity cost over a deposit lifetime.
medium
Fee complaints recur: refund denials, retirement-plan fee suit, overdraft gripes.
medium
2026 class action alleges website tracking via LinkedIn Insight Tag.
low
2014 mortgage double-charging glitch — verify recurring payments after setup.
Pros and cons
Pros
- Full-service bank: checking, savings, mortgages, loans, business and treasury services
- Large network — 6M customers and 1,300 branches converted in BBVA deal
- Runs a public responsible-disclosure program for security researchers
- FIDO Alliance case study cites its strong-authentication deployment
Cons
- Standard savings pays just 0.02% APY
- Sued over 'grossly excessive' employee-retirement-plan fees
- Multiple Reddit threads of customers leaving over service and tech
- Lawsuit over alleged failure to protect customer in $390,000 scam
- Fee refund denials reported on local news
Sources & method
official x4review x7security x1news x6
- CVE-2014-6881 — Virtual Wallet Android app, A 2014 CVE was filed against PNC's Virtual Wallet mobile app; old, but worth noting in its app history.
- Website tracking privacy class action, 2026 class action over LinkedIn Insight Tag tracking on PNC's website.
Key stats
Value for money: 2/5
Rating
Fee terms not stated in reviewed sources
Starting price
18
Sources
Analyzed
- Value for money: 2/5. 0.02% APY; fee lawsuits
- Ease of use: 2/5. Redditors say tech lags rivals
- Feature depth: 4/5. Full-service: checking, mortgage, treasury, markets
- Support quality: 2/5. Many 'done with PNC' service threads
- Security posture: 3/5. FIDO and disclosure program; old CVE, tracking suit
- 7,316 WalletHub ratings user ratings
- 0.02% Standard savings APY per Switchwize, 2026
- 6M Customers converted plus 1,300 branches in BBVA integration
Pricing
Simple Checking
Fee terms not stated in reviewed sources
- 'Hassle-free' checking with fewer fees, per PNC
- Confirm monthly fee and waiver rules before opening
Security
Established program: responsible disclosure, FIDO authentication, 2FA; one 2014 app CVE and a 2026 tracking lawsuit on record.
What users say
Reddit and review threads skew negative — service frustrations, fees, and tech that trails competitors — while expert reviews call it a competent full-service bank.
“DO NOT join PNC bank.”
“Fed up with PNC bank, what's the alternative?”
“Done with PNC. Any advice on where to bank?”
Alternatives
Compare PNC with each alternative.
Online high-yield savings (Ally, Marcus)
Far better APY than PNC's 0.02%.
Credit unions
Lower fees, member-owned, better service reputation.
Capital One 360
Strong digital banking without branch dependence.
Local community banks
Relationship banking without big-bank fee complexity.
PNC vs Local community banks
Full analysis
Based on 18+ public sources; several review snippets were truncated, so exact ratings were unavailable.
Full-service regional bank with a big branch network — but 0.02% savings APY and steady fee and service complaints.
Methodology
Based on 18+ public sources; several review snippets were truncated, so exact ratings were unavailable.
Sources
- PNC Bank Review 2025 — Bankratebankrate.comreview
- PNC Reviews: 7,316 User Ratings — WalletHubwallethub.comreview
- PNC Bank Reviews — Trustpilottrustpilot.comreview
- PNC Bank Review — U.S. Newsusnews.comreview
- Thoughts on PNC Bank — Reddit r/Bankingreddit.comreview
- review
- Done with PNC — Reddit r/pittsburghreddit.comreview
- PNC Bank is paying 0.02% APY — Switchwizeswitchwize.comnews
- PNC sued over excessive retirement-plan feesclassaction.orgnews
- PNC gold-coin scam lawsuit — Daily Hodldailyhodl.comnews
- news
- PNC website tracking lawsuitopenclassactions.comnews
- CVE-2014-6881 — NVDnvd.nist.govsecurity
- official
- PNC Bank FIDO deployment case studyfidoalliance.orgofficial
- PNC converts 6M customers, 1,300 branchespnc.mediaroom.comofficial
- PNC Simple Checkingpnc.comofficial
- PNC mortgage double-charging glitch — HousingWirehousingwire.comnews
Rate this review
Anonymous. You can change your vote.
Loading votes…
Comments
One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.
No comments yet.