PNC Bank Checking Account

in Checking Accounts

Unaffiliated Visit Site

PNC Bank Checking Account


in Checking Accounts

SuperMoney Net Recommendation Score -50% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

0 users recommend
1 user is unsure
1 user doesn't recommend
Cast your vote
Cast your vote

Would you recommend PNC Bank Checking Account to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend


PNC Bank is a large and diversified financial services company in the United States. As well as personal banking, it also provides corporate and institutional banking, asset management and residential mortgage banking. As of September 2015, PNC operates in 21 states and has $351 billion in assets. It has its headquarters in Wilmington, Delaware, and was established in 1804. PNC has an A+ rating with the BBB and a four-star rating with Bauer Financial. It is a national bank insured by FDIC.

What Are PNC Bank’s Checking and Savings Accounts Like?

PNC Bank offers full-service checking and savings accounts with access to a variety of investment options, such as CDs, money markets and IRAs. PNC is also receiving attention for its online services, particularly its Virtual Wallet account.

Virtual Wallet Checking Account
Virtual Wallet provides a checking and savings account in one convenient package. It is made up of a Spend account, for your basic checking account features, a Reserve account for short-term savings and a Growth account for long-term savings. It has a $7 monthly service fee, but this fee is waived if you have $500 in direct deposits, have an average monthly balance of $500, or you’re a student. The interest rate is 0.01% APY. There is no fee charged for PNC ATMs.

PNC also offers a Performance Checking account for those who want more rewards and a broader relationship with the bank. The monthly service fee is $15 but it’s easy to get it waived. This account offers bonus rates on select CDs and IRA CDs. However, the interest rate is still 0.01% APY

Performance Select checking account is PNC’s premium account. It has the highest level of reward and gives customers access to premiere money markets but it also has a higher monthly service fee:$25. However, the fee is waived is you have an average balance of $5,000 in a linked checking account, $5,000 in monthly direct deposits, or a $25,000 combined balance.

Savings Accounts
PNC offers a variety of savings products, such as “S” is for Savings, standard savings accounts, Premiere Money Markets, Certificate of Deposit and IRAs.
“S” is for Savings is an account to teach children about saving, sharing and spending. It has no service fee for account holders under 18 and you only need $1 to open.

The standard savings account only requires $25 and offers preferential relationship rates to holders who meet its minimum requirements. All holders receive 0.01% APY. Users with a balance of $2,500 and above can receive a relationship rate of up to 0.10%.

What Are The Advantages And Disadvantages of PNC Bank’s Checking And Savings Accounts?

PNC is a solid choice for people looking for an established bank with a strong online presence that offers cutting edge online tools but that also has a large branch network.

Here is what we like about PNC:
- Wide selection of financial products
- Excellent online tools
- Flexible and innovative virtual wallet account combines savings and checking accounts.
- Low fees and low minimum balances.

We don’t like this about PNC:
- Low-interest rates
- Minimum balances and direct deposit requirements to waive fees

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  • One PNC Plaza 249 Fifth Ave
    Pittsburgh, PA 1522 USA
  • Visit Site


Available in 14 states and Washington, D.C.
  • Delaware
  • Washington, DC
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Virginia
  • West Virginia

Feature Breakdown

APY Minimum Balance
ATM Fee: In-Network
Online Bill Pay Fee
Monthly Fee
Starting at $7
Paper Statement Fee
ATM Fee: Out-of-Network
Overdraft Protection Fee (per transfer)
Overdraft Item Fee
Early Account Closure
Returned Deposit Fee (Domestic)
Debit Card Replacement Fee
Stop Payment Fee
Check Image Service
Wire Transfer Fee - Domestic (Outgoing)
Wire Transfer Fee - International (Outgoing)
Bank Account Features
  • Bauer Financial A+/A Rating
  • Check Images with Statement
  • Debit Card
  • Free Bill Pay
  • IRAs
  • Mobile Banking
Starting at


Would you recommend PNC Bank Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Checking Accounts