Bank profile
PNC Bank
We track 4 accounts and 3 credit cards from PNC Bank, with a source and verification date on every figure. Its savings accounts product ranks 2nd of 5 in our lineup.
4.3Bank Compass score
4.9Mobile app rating
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Where PNC Bank ranks
Credit cards
Your figures
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Checking accounts
Virtual Wallet® (Spend)
$7/mo fee
Waived with: $500 combined balance in Spend/Reserve, or $500+ in qualifying direct deposit
Savings accounts
Standard Savings
$5/mo fee
Waived with: $300+ average monthly balance
High Yield Savings
Fee not independently verified · 3.15% APY
Waived with: No fee, no minimum balance — available in select states only, not across the entire PNC network
Use this APY
Student accounts
Virtual Wallet® Student
$0/mo fee
Waived with: No fee for up to 6 years for active students; may require proof of enrollment; converts to standard Virtual Wallet afterward
Digital banking
PNC Bank offers a mobile app. App Store rating: 4.9 / 5. Google Play rating: 4.5 / 5.
Related reading
The terms this profile uses, explained — before you decide whether PNC Bank is the one.
- What Is the FDIC, and Is Your Money Actually Insured?The FDIC insures deposits at member banks up to $250,000 per depositor, per insured bank, for each account ownership category. Those three qualifiers are the whole rule — and they are also how a household can be covered for far more than $250,000 at one bank.Guide · 4 min read
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including compounding. It's the number to compare — not the interest rate alone.Guide · 3 min read
- How to Choose a Checking Account Without Overpaying in FeesMost checking account fees are avoidable — but only if you actually meet the condition the bank sets. Here's how to check before you open an account, not after the first fee posts.Guide · 3 min read
- Overdraft Fees: What They Are and the Setting That Turns Them OffAn overdraft fee is what a bank charges to cover a payment your balance could not. For debit card and ATM transactions you have to opt in for that to happen at all — and if you never opted in, the card is simply declined and nothing is charged.Guide · 4 min read
Run the numbers
What PNC Bank's rates and fees are worth once your own figures are in them.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Mortgage Calculator (PITI + PMI)Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.
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