pnc military banking

Pnc Military Banking - PNC is a full-service bank with unique savings and checking options, low fees (or no fees) and a large network of ATMs.

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Pnc Military Banking

PNC Financial Services may have a small geographic footprint, but it's strong when it comes to its assets.

Pnc Bank Fees (updated 2018)

In fact, PNC Bank, which operates in only 25 states and the District of Columbia, is ranked as the 9th largest bank in the United States based on assets.

While living in a state with a physical branch is ideal for PNC customers, PNC offers checking and savings accounts to customers outside of physical locations with the advent of online banking.

In our PNC Bank review, we'll examine some of the top account offerings, including the Virtual Wallet offering and high-yield savings accounts. We'll also look at small business banking, mobile banking, customer service and convenience before weighing the pros and cons of a PNC checking account and a PNC savings account (and the different options available ) and addresses one final unanswered question about PNC. Bank.

Below we highlight two PNC checking accounts - Virtual Wallet Checking Pro with Spend and Virtual Wallet Checking Pro with Spend, Save & Grow - in detail and touch on what they offer students, which including checking and savings.

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PNC's flagship bank account is called Virtual Wallet Checking Pro with Spend (also known as Virtual Wallet with Performance Spend). This is just a checking account, and some other options from PNC Bank combine checking and savings accounts.

Virtual Wallet Account at PNC with interest-free spending. There are many online checking accounts that add interest or reward you with cash back for credit card swipes.

ATMs are an important part of checking accounts, as they allow you to deposit and withdraw money quickly and easily. PNC Bank has surprisingly low ATMs in the network (meaning ATMs that do not charge ATM fees for use).

In total, PNC has 19,000 ATMs across the United States, some major banks and credit unions have more than 80,000 ATMs in their networks.

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However, PNC Bank offers ATM fee rebates of up to $20 per month. Since the average ATM fee is around $3, that means you can use an out-of-network ATM no more than 7 times a month.

The PNC Mobile App currently has a rating of 4.8 stars on the App Store (based on approximately 1 million ratings) and 4.5 stars on Google Play (based on nearly 170,000 ratings).

This app does everything you would expect an online banking app to do when it comes to personal finance. With the PNC mobile app for your Virtual Wallet with an efficient spending account, you can:

Android users can also use PNC Pay to pay with their mobile devices. Otherwise, you can use a traditional Visa Debit Card (PNC Banking Card) or an old-fashioned checkbook for a Virtual Wallet account.

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While there are no monthly maintenance fees associated with PNC Virtual Wallet with Performance Spending Accounts, Virtual Wallet has other types of fees:

In addition to transaction and overdraft fees, PNC charges fees on ATM statements and domestic and international transfers.

PNC Virtual Wallet Checking Pro with Spending Account now comes with Low Cash Mode, which alerts you when your balance is low. It also lets you decide if you want certain payments to go through or be returned (and give you a 24-hour grace period to credit the money).

If you like Checking Pro with Spending but want more flexibility to save toward your goals, consider upgrading to Virtual Wallet Checking Pro with spending, membership & growth, savings account and hybrid checking.

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The heart of this account is the same. The spending part of the account works the same way:

A reserve account is a separate checking feature for short-term planning. Think of it as a place where you can transfer money for an upcoming vacation, concert tickets or an upcoming student loan payment. This currency is unstable for daily transactions; Keeping you from accidentally burning your rent money on online shopping under the influence of wine is essential.

Previously, PNC designated the reserve account as an interest-bearing checking account. However, the subscription no longer accrues interest. (The difference is barely noticeable; when it's an interest-bearing checking account, the interest is only 0.01%).

Although the reserve account, like the main spending checking account, does not earn interest, you will earn interest on any money in the growth account, because it is your traditional savings account.

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In fact, you'll earn 0.40% APY on balances above $1 in the Growth Account. This APY is better than the national average, which is currently around 0.04%. That makes PNC's interest rate 10 times higher than the national average.

Savings and growth accounts also offer overdraft protection. PNC calls it "two-level overdraft protection." Basically, if you're at risk of overpaying, PNC will try to pull money from both of those accounts to cover the cost.

PNC offers checking and savings accounts for students called Virtual Wallet Student Accounts. It includes an automatic courtesy refund for your first overdraft, but overdraft fees kick in after that. It offers $5 ATM cash back.

PNC offers high-yield savings accounts, as well as standard savings, money market and CD options. Below, we'll take a closer look at the high-yield savings account, which currently has an APY of 0.40%.

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The PNC High Yield Savings Account is an extension of the more specialized Virtual Wallet Account. Basically, this is an option if you want a savings account with PNC but don't have a checking account. Like other accounts, this savings account is insured by the Federal Deposit Insurance Corporation (FDIC).

Like the growing portion of Virtual Wallet Checking Pro, the PNC High Yield Savings Account currently has an interest rate of 0.40%.

Since this is a savings account only, many of the features you would use for personal finance are not available. However, you can use the mobile app for account transfers (from outside accounts or PNC checking accounts), mobile check deposits and automatic savings plans.

You can fund your high yield savings account through transfers, deposits through direct transfer or externally from the linked bank account.

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While a high-yield savings account is a great option, PNC offers other interest-earning savings accounts:

PNC Standard Savings requires a minimum deposit of $25, has a deductible monthly maintenance fee and is FDIC insured. To waive the fee, maintain an average monthly balance of $300, link your account to Virtual Wallet or set up automatic savings transfers of $25 or more per month. Fees are automatically waived if you are under 18 years of age.

The PNC Premiere Money Market Account rewards you for making more investments. The more money in the account, the higher the interest rate. However, there is a monthly fee that is waived only if you have at least $5,000 in the account or if you have a Virtual Wallet account linked.

PNC Bank offers fixed-rate CDs (certificates of deposit) from seven days to 10 years. There is a $1,000 minimum to open with no early withdrawal penalties. Alternatively, you can open a CD that is ready to be accessed from three to 12 months.

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In addition to the main PNC account, this review will cover banking with PNC as a small business, as well as our analysis of mobile apps, customer service and convenience.

The monthly fee is only $10, but it does not apply to the first three reporting cycles. But you can be free if you:

PNC Business Monitoring allows up to 150 transactions and a $5,000 cash deposit per month with no fees.

You also get free online banking and bill paying as well as setting up overdraft protection at no cost. They charge $2 a month for paper statements, but you can easily avoid that by going paperless.

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If you're looking for an ATM, PNC has 19,000 and competitors typically have 80,000+. However, PNC offers a higher monthly ATM cashback amount.

While this review looks at checking and savings options, you can find a full suite of services from PNC, including credit cards, mortgages, auto loans, personal loans, lines of credit, student loans, re- student financing, military banking and investment accounts.

The PNC mobile app is simple and easy to use and highly rated in the App Store (4.8 stars) and Google Play (4.5 stars). The latest addition of Low Money Mode is a game changer for beginners.

Many of the financial health features mentioned in this review are available in the app. You can set your savings goals and automatic savings. You can create budgets for different departments. It's designed to be an all-in-one banking and budgeting app, meaning you don't need to set up a branch.

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