About PNC Bank
PNC Bank, one of the largest in the country by assets, can trace its history to 1845 and the founding of Pittsburg Trust and Savings Company. In 1982, this bank and Provident National Corporation merged into the current iteration of PNC Financial Corporation. Its banking arm, PNC Bank, operates in more than 2,600 branches and more than 9,500 ATMs in 27 states and Washington, D.C.
PNC Bank Overview
PNC Bank is one of the 10 largest banks in the country in terms of assets. PNC operates mostly in the midwest, northeastern, and southern parts of the U.S. The bank offers a wide range of banking products, such as checking, money market, savings, and CDs. The bank offers competitive yields on some of its financial products and CDs, but as with most big banks, the yields on the majority of its banking products are at or below the national average.
| Competitive APY on its high-yield savings account and money market account. | High overdraft fee. |
| Competitive APYs on its promo CDs. | The high-yield savings account is only available to residents of select states. |
| Large network of more than 2,600 branches in 27 states. | |
| More than 9.500 ATMs nationwide. |
PNC Bank Product Offerings
Savings Accounts
PNC Bank offers savings accounts through its Virtual Wallet with Growth, a standard savings account, and a high-yield savings account. The high-yield savings account offers a highly competitive rate, while the other two are typical savings accounts that offer a minimal APY. Here are the latest savings account details for September 2025:
Checking Accounts
PNC Bank offers different versions of its checking account through its Virtual Wallet. All accounts offer below-average APYs, but on the positive side, they have low minimum deposit requirements and monthly service charges that can be waived if certain requirements are met. Here are the latest account details for September 2025:
CDs
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. PNC Bank offers several CDs with varying terms and some with competitive APYs. All of the CDs have a required minimum opening deposit of $1,000. Here are some of their best CD offerings for the September and 2025:
Money Market Accounts
A money market account is an interest-bearing hybrid between a savings account and a checking account. PNC Bank offers one personal money market account with a somewhat competitive rate, although higher rates can be found with online banks. Direct deposits of at least $2,000 per month allows accountholders to qualify for a slightly higher APY. Here are the account details for September 2025:
Bank Fees
Overdraft fee: $36
Savings and Money Market Account withdrawals: $3 per excess withdrawal
Account closure fee: None
Wire transfer fee: Domestic - Incoming is $0 and outgoing is $30; International - Incoming is $0 and outgoing is $30
Non-network ATM fee: $3
Monthly service charge: $5-$25 depending on the type of account
Stop payment fee: $33; Waived for Performance Select Checking customers
Paper statement fee: $3
PNC Bank Features
PNC Bank customer service representatives are available from 8 a.m. to 9 a.m. on weekdays and from 8 a.m. to 5 p.m. EST on weekends. PNC Bank also has a comprehensive and highly-rated mobile app that allows customers to manage their accounts from the comfort of their phone or computer.
PNC Bank FAQs
Our Take
PNC Bank is a good choice for customers who live in the states it operates in since it has more than 2,600 branches available and makes in-person banking easy for those who prefer to visit a branch. Although they offer a wide range of banking products, it can be confusing with all of the different Virtual Wallet options, which are a mixture of savings and checking accounts. The bank does offer standalone checking and savings options, but they can be hard to find at times when navigating the bank's website. On the positive side, they offer an excellent high-yield savings account, but it is only available in certain states. All in all, it is a good bank for people in the states it serves. For all others, there are plenty of online-only banks that offer more competitive yields.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.