Is PNC a Good Bank? (2026)

PNC Bank has been around since 1804, and is a well-known and trusted bank in the industry. But what about PNC’s security, reputation, affordability and general trustworthiness? Does all of that add up to being a good bank?

Is PNC Bank a trustworthy and good bank?

Yes, PNC is what we’d consider a good bank. Its reputation isn’t one that’s full of scandals or a long list of fines from regulators. It has all the basic banking products and services you’d expect, and its security measures are standard.

It’s a well-known bank that’s earned itself in the top ten largest banks in the United States, holding over $560 billion in consolidated assets. This is impressive, considering PNC doesn’t operate in all 50 states. PNC offers products and services in 27 states, including the District of Columbia.

It also made a name for itself among modern accounts with its release of the PNC Virtual Wallet account — was one of the first hybrid bank accounts that has checking and savings bundled into one.

PNC also has a decent amount of everyday banking perks we like. Some features worth mentioning include:

• Zelle support
• Optional banking alerts, such as low-balance and activity
• Auto Savings to set up automatic and recurring transfers
• Around 2,300 branches across the country
• Around 55,000 partner and PNC ATMs

PNC popular banking products

PNC Bank has a lot of banking products, but the flagship product line is the PNC Virtual Wallet accounts.

• PNC Virtual Wallet. The most well-known product from PNC, the PNC Virtual Wallet account has three subaccounts; one for spending, and two for saving. PNC has four tier options for the account with varying monthly fees and APYs, called Virtual Wallet, Performance Spend, Performance Select, and Student.
• PNC Simple Checking. This account has no monthly fees with direct deposit, or for ages under 25 or over 62. There’s also no opening deposit requirement or overdraft fees.
• Multiple savings accounts. There is the PNC high-yield savings account with up to 3.15% APY, then the Standard Savings account with an APY around 0.01% to 0.03%, and then the kids’ savings account called ‘S’ Is For Savings with a low 0.01% APY. Rates may vary by zip location.

Other PNC products and services

Aside from checking and savings, PNC is a full service bank with many other products and services, which include:

• Money market account
• Fixed rate certificates of deposit (CDs) and fixed rate IRA CDs
• Business checking, credit cards and merchant services
• Loans, such as personal loans, mortgages, student loans and auto loans
• Investing services, such as retirement planning

PNC Bank security measures

Alongside the typical FDIC deposit insurance, PNC employs these security measures:

• Transport layer security (TLS) to encrypt data while online banking
• Multi-factor authentication for online banking
• Encryption for card transactions
• Optional account activity alerts, such as low balance and suspicious activity
• Zero-liability protection with debit and credit cards

PNC customer ratings and reviews

PNC gets pretty rough reviews, but that’s to be expected with a large, national bank. It does hold an A+ rating with the Better Business Bureau (BBB), but isn’t accredited.

On the whole, reviews mention poor customer service at branches, long hold times over the phone, issues with payment delays, slow deposit times or just problems with transfers between checking and savings.

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Compare other popular banks side by side

PNC not the right bank for you? We compare dozens of the top banks directly to each other.

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• SoFi vs. Ally

Bottom line

PNC is a large and trusted bank, without much of a history of scandals. It has a ton of checking and savings accounts to choose from, including its flagship Virtual Account lines, kids’ savings, money market accounts, CDs and investing services. For a full-service bank, it’s solid.

However, its savings rates aren’t the best and we don’t love the monthly fees on its Virtual Wallet account (though they can be waived). Compare more bank account options if PNC isn’t quite the right fit.

To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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