PNC Bank Personal Checking Account Overview and Guide

PNC Bank offers a variety of personal checking accounts to suit different needs and preferences.

The PNC Bank Personal Checking Account is a basic checking account with no monthly maintenance fee and no minimum balance requirement.

You can open a PNC Bank Personal Checking Account online, by phone, or in person at a local branch.

To open an account, you'll need to provide identification, such as a driver's license or passport, and fund the account with at least $25.

You can open a PNC Bank account in a local branch, but the more efficient way is by completing an application form online.

To get started, you'll want to head to the PNC Bank website and begin the online application process. This will save you time and hassle in the long run.

To set up an account with PNC Online, you'll need to visit their website and choose an account that suits your needs. You'll then enter the required personal details, including an email and phone number for contact purposes.

PNC offers a range of checking accounts, including the Foundation Checking account, which has a $5 monthly service fee and no minimum opening deposit. This account also offers free cashier's checks and in-app virtual tools to track your account activity.

If you're looking for a savings account, PNC's High Yield Savings account is a great option, though we don't have specific details on the account's features beyond its name.

To open a PNC Bank account, you'll need to meet some basic requirements. Only U.S. citizens over 18 can open an account online.

To verify your identity, you'll need to provide two forms of identification. These can be a U.S. driver's license, a state-issued ID, or a military-issued ID.

You'll also need to provide a valid address in the U.S. This is a requirement for all new customers.

Here are the accepted forms of ID:

PNC Bank will verify this information as part of the account approval process.

The Foundation checking account from PNC is a straightforward option with a $5 monthly service fee and no minimum opening deposit required.

This account has no overdraft fees, which is a relief for those who might accidentally overdraw their account.

You can get free cashier's checks with this account, which can be super handy for unexpected expenses.

In-app virtual tools are available to track your account activity, making it easy to stay on top of your finances.

The PNC High Yield Savings account is a top choice among their savings options, offering a high-yield interest rate for your hard-earned money.

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The Virtual Wallet Student account is a great option for college students, and it's essentially the same as the regular Virtual Wallet account.

One of the best features of this account is that it doesn't charge any monthly service fees for six years if you prove student enrollment status.

With the Virtual Wallet Student account, you'll also get ATM reimbursements to help you stay on top of your money.

You'll also have three subaccounts: Spend, Reserve, and Growth, to sort your funds and make budgeting a breeze.

Low Cash Mode is also included, which can help you avoid overdrafts and stay within your means.

PNC Bank's mobile banking app is a great feature for those who prefer to bank on-the-go. It has a well-rated 4.5 rating in the Google Play store and 4.8 rating in the Apple store, indicating good customer reviews.

If you're looking for a reliable mobile banking app, PNC Bank is definitely worth considering. The app is well-regarded by customers, making it a great option for those who want to manage their finances from their phone.

The app's good ratings are a testament to PNC Bank's commitment to providing a seamless banking experience. Whether you're checking your balance or transferring funds, the app makes it easy to do so from your phone.

One thing to keep in mind is that PNC Bank's mobile app is only available in the Google Play store and Apple store, so you'll need to download it from one of these platforms to get started.

Here's a quick rundown of PNC Bank's mobile app features:

If you're looking for a savings account that can be linked with a money management solution, PNC Bank's Virtual Wallet options are worth considering.

PNC Bank offers a savings account that can be linked with its Virtual Wallet options, providing an all-in-one money management solution.

The Low Cash Mode feature sends alerts and offers increased flexibility with overdrafts, which can be a lifesaver in a pinch.

You also have the option to choose between the Standard Savings Account and the Premiere Money Market Account, both of which are designed to help you save and grow your money.

The Premiere Money Market Account is a great choice if you're looking for a higher interest rate and more flexible withdrawals.

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Relationship rates can be a game-changer for PNC account holders. To qualify for these higher rates, you must meet one of three requirements.

PNC will consider you a high-transaction user if you perform at least five transactions per month combined with either your PNC checking account or a PNC consumer credit card linked to your checking account. This is a great option for those who are active with their finances.

Direct deposits can also get you in on the relationship rates. You'll need to have $2,000 in qualifying direct deposits per month in the Virtual Wallet with Performance Spend or Performance Checking. This is a common requirement for many bank accounts.

WorkPlace or Military Banking customers have a lower threshold for qualifying direct deposits, requiring only $1,000 per month. This is a nice perk for those who qualify.

Performance Select account holders can also earn relationship rates with $5,000 in qualifying direct deposits per month. This is a significant amount, but it can be worth it for those who meet the requirement.

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PNC Bank offers a range of products beyond its account features. You can compare business checking, credit cards, merchant services, and financing options to find the best fit for your small business.

PNC's personal lending options are comprehensive, including mortgages, home refinancing, home equity loans, student loans, auto loans, personal loans, and construction loans. This means you can get the funds you need for various purposes.

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For investing, PNC's services offer personalized advice on retirement planning based on your risk tolerance and life stage. This can help you make informed decisions about your financial future.

Some of the other products PNC offers include checking, savings, money market, and CDs. These accounts can help you manage your finances and earn interest on your deposits.

PNC checking account customers get a PNC Bank Visa debit card and the surcharge-free use of thousands of ATMs.

You can deposit checks, make cardless ATM transactions, find nearby ATMs, check your balances, set up account alerts, and more with the PNC mobile app.

The PNC mobile app also includes Zelle, a way to send payments to family and friends regardless of where they bank.

Higher-tier accounts offer reimbursement of some non-PNC ATM fees.

With the PNC mobile app, you can add a PNC Visa card to your Apple Pay wallet for convenient tap-and-go payments.

You can earn cash back from participating merchants with PNC Purchase Payback.

Linked Reserve and Growth savings accounts can provide protection by transferring money to cover an overdraft.

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At Business Insider, we use a bank account rating methodology to rate PNC Bank's personal checking account. This rating is based on a scale from one to five stars, reviewing the account across several categories including interest rates, customer service, and monthly service fees.

Each category is scored from zero to five, and then a weighted average is calculated to get the overall rating for the account. We also consider the bank's ethics score to get a final overall rating.

PNC Bank's personal checking account offers a range of features, including overdraft protection and Low Cash Mode. You can compare this account with leading bank accounts by monthly fee, opening deposit, and APY using our comparison tool.

If you're looking for alternatives to PNC Bank, consider Huntington Bank. Huntington Bank offers a similar range of services, including checking and savings accounts, credit cards, and loans.

They also have a strong online presence, with a user-friendly mobile app and online banking platform. Huntington Bank's fees are generally lower than PNC Bank's, making it a more affordable option for some customers.

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Huntington Bank's customer service is highly rated, with many customers praising their helpful and knowledgeable representatives. Huntington Bank also offers a variety of rewards programs and cashback offers on certain credit cards.

Another option to consider is Bank of America, which offers a wide range of financial products and services, including checking and savings accounts, credit cards, and mortgages. Bank of America has a large network of branches and ATMs, making it a convenient option for those with multiple locations.

Bank of America's fees are generally higher than Huntington Bank's, but they offer a range of rewards programs and cashback offers on certain credit cards.

To compare with leading bank accounts, start by looking at the monthly fee, opening deposit, and APY. Select Compare to see up to four accounts side-by-side.

If you're not sure a PNC checking account is the best fit, consider alternatives like online banks and fintech startups, which offer online banking and no branch locations.

Online banks and fintech startups, also known as challenger banks, often have lower fees and higher APYs than traditional banks.

One of the standout features of this financial institution is its large variety of products and services. This means you can find everything you need in one place, from checking accounts to savings accounts and even loans.

The overdraft protection and Low Cash Mode are also great features that can help you avoid overdraft fees and manage your finances more effectively.

Checking accounts have many digital tools that make it easy to stay on top of your finances. You can access your account information, pay bills, and transfer funds online or through the mobile app.

The High Yield Savings account offers a competitive 4.65% APY, which is a great way to earn interest on your savings. This can help you grow your savings over time and reach your financial goals.

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We review banks using a bank account rating methodology that covers all their products, including savings accounts, checking accounts, and CDs.

Each bank account is rated on a scale from one to five stars.

We review them across several categories, including interest rates, customer service, and monthly service fees, and give each of those categories a score from zero to five.

These scores are then calculated to get the overall rating for that specific product.

We also consider a bank's ethics score when calculating their overall rating.

We average the products' ratings together to get a bank's overall rating.

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PNC Bank has a lot of customer feedback, with a little under 2,500 complaints filed in the last three years.

The Better Business Bureau gives PNC Bank an A+ rating, which signifies a company that responds effectively to customer complaints.

PNC's mobile app has a 4.8-star rating on the Apple App Store and a 4.4-star rating on Google Play, with over 1.7 million ratings combined.

Some customers report responsive customer service and helpful brokers, while others praise the mobile app and its modern budgeting tools.

However, many customers have negative experiences, citing issues with monthly or overdraft fees, poor customer service at branches, and problems with loan payments.

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PNC has a high BBB rating of A+, but a poor 1.3-star rating on Trustpilot with over 1,000 reviews.

The majority of negative complaints discuss typical banking issues like failed attempts to resolve fraudulent charges and unhappiness with fees.

Customers praise PNC's responsive customer service and helpful brokers, and many have been with the bank for years with no issues.

PNC's mobile app has a 4.8-star rating on the Apple App Store and a 4.4-star rating on Google Play, with over 1.7 million ratings combined.

Many users on Reddit say the Virtual Wallet is convenient and love its modern budgeting tools.

Happy customers report responsive customer service and helpful brokers, and praise the mobile app as easy to use.

PNC's customer service has its downsides, with complaints about mortgages, including issues with loan payments taking a while to clear.

Some customers even say PNC doesn't accept partial home loan payments.

Despite these issues, many customers have positive experiences with PNC's customer service, citing responsive and helpful representatives.

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PNC Bank has a strong reputation when it comes to customer satisfaction. The Better Business Bureau gives PNC Bank an A+ rating, which signifies a company that responds effectively to customer complaints.

A good BBB rating also indicates that a company has honest advertising practices and is transparent in how it handles business. This is a big plus for customers who value trust and reliability.

PNC Bank's A+ rating suggests that the bank prioritizes customer needs and takes complaints seriously. This is a great sign for anyone considering opening an account or doing business with PNC Bank.

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Customer Experience is all about how well a company understands and meets the needs of its customers. A key aspect of this is providing clear and accurate information to help customers make informed decisions.

PNC Checking Accounts Q&A sections are a great example of this. They offer answers to frequently asked questions about their checking accounts, which can be really helpful for customers.

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Editorial and user-generated content in these Q&A sections is not provided, reviewed, or endorsed by PNC. This is an important note to keep in mind when reading through the questions and answers.

The responsibility of ensuring all posts and questions are answered lies with the customer, not the financial institution. This is stated clearly in PNC's Q&A section.

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