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PNC is an American financial services organization headquartered in Pennsylvania. The bank has assets of $398 billion and has been in business since 1852. PNC has more than 2,700 branches in 19 states including the District of Columbia and has approximately 8,600 ATMs. PNC offers services for different needs whether they’re personal, small business, or corporate and institutional. The Pennsylvania-based bank strives to give back in different ways such as community development, charitable giving and environmental responsibility. PNC’s values include performance, customer focus, respect, integrity and diversity. 

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The Good

  • Great services
  • Protection plans
  • Business continuity program

Great Services

Although PNC was not started when PCs and mobile devices were around, PNC offers several services including online and mobile banking. PNC has $135 billion in management assets and $263 billion of assets under administration. They have provided services for 150+ years and have developed banking for individuals, small businesses, corporate and government agencies to provide their needs. They offer a service called Virtual Wallet which helps customers to save and spend smarter while avoiding unnecessary fees.

Here are some of the services offered by PNC:

  • Mobile wallet
  • Merchant accounts
  • Roth and traditional IRAs
  • Personal checking
  • Business checking
  • Savings accounts
  • CD's
  • Debit cards
  • Credit cards

PNC also offers student loans, auto loans and an online mortgage rate calculator to meet the different financial needs of their customers.

For corporate and Institutional banking PNC competes in the middle market and provide services for extensive treasury management, capital markets and international banking services that have been specifically tailored for the middle market audience.

Protection Plans

Customers can expect their finances to be secure thanks to PNC's identity theft protection and fraud protection service. PNC also provides insurance protection for its customers.

For customers who are concerned about the minimum monthly cost of maintaining a personal checking account, PNC is on the lower end for monthly rates at $7. Customers can be exempt from the monthly rate by doing the following:

  • $500 average monthly balance in their personal checking account or
  • $500 in qualifying monthly direct deposits to this account or
  • Account holder is age 62 or over

The minimum deposit for CDs starts at $1,000 which a reasonable rate and about average for most banks.

PNC's commitment to customers include its list of values:

  • Quality of life
  • Teamwork
  • Diversity
  • Integrity
  • Respect
  • Customer focus
  • Performance

Business Continuity Program

Along with its values, PNC's Business Continuity Program guides the bank's activities such as:

  • business and disaster recovery
  • operational and technology resiliency
  • and crisis management

The Bad

  • Limited availability
  • Additional fees
  • High minimum deposit

Limited Availability

PNC is only available on the North-East coast. There are no locations in the middle or west coast of the united states. For Virtual Wallet they have 3 accounts on there that protect you from overdraft fees as long as you have sufficient funds in your first "backup" account as well as in your savings account. They say that this account is smarter to have consumer money grow in savings account yet the APY may change at anytime and do not need to tell consumer. Must call PNC to know what the APY percentage.

Additional Fees

Also if individual does not have a lot of data, using the mobile app and texting with PNC may give consumers additional fees from mobile carrier for going over data and texting agreements.

High Minimum Deposit

Customers who are searching for the right business checking account for their small business needs will find that PNC has a higher minimum deposit requirement than other banks. PNC requires a $100 minimum deposit which may be discouraging to small business owners who are already strapped for cash.

The Bottom Line

PNC offers a unique idea of using graphs and other items to help consumers see where their money stands. They also have great services for middle market businesses and have great investing opportunities for investors. The Pennsylvania-based bank strives to make decision based off of its values which include diversity, teamwork and integrity. Combined with its efforts to be the best in everything it does.

Our recommendation: Compare PNC's initial deposit requirements for its checking and savings accounts to other banks then decide if you'll choose PNC.

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