User Reviews for PNC Mobile Banking

4.85 out of 5

1.5M Ratings

4 years ago, Leo & Me

So sad

The PNC banking part is great a little slow yet saves me time from running back & forth to the bank on one hand now on another note, ever since they linked my Zelle account to my PNC my Zelle receiving and sending has been giving me major issues which results in me having to once again go back & forth to the bank with an edition to the Post Office got money orders, stamps, & envelopes so now I’m spending more in gas, as well as getting the money to it’s destination. I call for a representative one even told me call Zelle it’s not in their end that the message I received says failed to send so I call then Zelle ask me why they directed me to cAll them being they have control over the account since it’s linked to the PNC, nevertheless the funds I sent is taken out my PNC and won’t return until I believe it said 3 business days. Another PNC rep said delete the app then try to download it again hmmm ok nope that didn’t work neither. So bottom line I’m Very disappointed in their Zelle merge. I can’t even delete it and make a new account. Thanks for nothing on that merge. Otherwise the PNC itself I do like

1 year ago, Tequila.97

Too glitchy

I like this app but there’s ALWAYS an issue. Every single week the app doesn’t work for one reason or another. Ive been trying to transfer money using Zelle for over TWO hours and I STILL cannot. Zelle is working fine but I can’t use their app because I have a PNC account linked. You are FORCED to use PNC’s glitchy app that almost never works. Im already concerned about using Zelle to transfer money and now I have to be worried about if its even going to work or if Im going to go through multiple times because of how terrible the PNC app is. I had to call PNC 2 different times tonight to get the account unlocked. Zelle locked me out for entering an incorrect pin number ONE time. It gave me one chance. The atm allows you more opportunities. Zelle punishing its users with extreme security measures because they allow fraudulent activity to occur on their platform and PNC is WRONG for continuing to partner with them. The representative unlocked Zelle and I ended up having to call back because there was a security lock on my transfers that I had NEVER been contacted about. PNC rep told me it had been there for months but no one from PNC ever reached out, I didn’t get a letter, or call. I don’t understand how its acceptable to have an issue with an account and these banks refuse to tell you until you need access to YOUR money. Its ridiculous and the app alone has made me want to close this account and switch banks.

5 years ago, TweetTree

Took a step back with last update.

I could give 5 stars for convenience and general reliability. But the last update, while making the app more snazzy, also made it less convenient. Cool new graphics and slick transitions were added. Looks cool guys. But takes longer to load each page. I don’t need to be entertained by my banking app - just need to make an online deposit or pay a bill. Here’s an example of inconvenient: making a mobile deposit. Lots of sliding around of graphics with every selection I make. I finally get the deposit made and then there’s the confirmation screen. The top 1/3 of the screen contains a blue bar with a giant “+” sign in it. Below that is the deposit information. Where’s the confirm button? Took me a while to figure out I have to scroll down to see it. Maybe a little smaller graphic on top would allow me to see the whole thing on one screen. And maybe instead of all the flashy graphics after every selection (deposit, account, amount...) all that could be on one screen and then the flashy stuff could come after, and just once. Bill pay is much the same. Looks cool but is a waste of time. Functionally, convenience-wise, reliability-wise — I love having the app and it serves me well. I could just do without all the fru-fru.

6 years ago, natedur

Confusing and hard to follow

Every time you make a selection, there is a unnecessary explosion of moving and confusing graphics. If you select "Deposit", the selection flies out of the screen and your screen goes totally black...what happened I think? Is this a bug, did my phone just shut down? Then a totally new screen shows up that doesn't really show you bread crumbs from where you just were, so it's like you are launched into a new app. Then it launches you into a photo mode which fortunately I'm familiar with mobile banking, but would be another launch-like graphic action that feels like another totally new experience. Then suddenly after taking the photo of front and back of check, it launches you to a totally new graphical experience that's totally unexplained and weird. There is a full blue screen with a plus sign that is drawn in front of you - does this mean I'm supposed to add another deposit I wonder, then the plus sign morphs into a strange eclipse like thing and the two unexplained symbols graphically interchange for awhile without any words or understanding of whether the simple act of depositing a check was actually even done. Ridiculous. A bank needs to demonstrate stability and steady trustworthiness Not flashy, not introducing weird confusing flashy things, and very clear regarding what's happening with the money I am entrusting them to keep. Get over yourself. Simple and fast and clear is best.

6 years ago, Wibbler22

Well, it works somewhat, but the app is clumsy. For example, there is no log out button on each page. So if you’re a few pages in you have to back all the way out to get to the log out button. This is inconvenient in certain situations, such as having a phone call come through when you are using the app. I want to be able to answer the phone call, but I need to log out of my banking app before answering the call because most of the time data is not available while on a phone call, and I prefer not to have my bank account open when I’m not actually using it. Sometimes I can get all the way back to the homepage in time, and other times I cannot. There also does not seem to be any way to set up an automatic payment from my checking account to my credit card. So far I’ve been using the transfer option to pay the bill, but the transfer takes time, which you would not think would happen between two accounts under the same person. There’s also no way to set up a date if you want it to pay in the future, and there does not seem to be any way to access pending payments either. Like I said, it kind of works, but it’s far behind other banking apps like USAA where everything is connected and streamlined.

3 years ago, HaveToChooseANickname

Only bank with a good and consistent digital interface

In general, I am very happy that there have been minimal changes to the website and digital interfaces in the 15 years I have been a NationalCity/PNC customer. The interface works well and I have rarely had to think hard about how to navigate menus to get the information I want. Recently, however, when I use this, I feel like I am back in the days of 56k modems where the images for advertisements would load after the rest of the webpage would load and you would accidentally click on something because all of the content would move and an advertisement image would appear right as you were about to click. I thought this practice was long gone from good user interface design, but evidently it is still here every time the COVID relief banner at the top of the app decides to load. Now, every 1 out of 2 times that I try to click on my checking account when I load the main page of the app, I accidentally open a webpage for COVID relief that I have to close. Very annoying. Please keep up the good work of having a consistent user interface design, but also please stop making it so content unexpectedly shifts around right as I am about to click when the main page loads.

5 years ago, Airelement

NO ACCESS

PNC policy states $100 of deposit would be available at the time of deposit. I have yet to be able to access any amount of my deposit until the standard waiting period is up. Most banks allow half of deposit available until cleared. I live and work in a state where there are no PNC banks and my place of employment doesn’t offer direct deposit so this is extremely inconvenient especially since I’ve had my account for many years and am an established PNC customer. It also doesn’t offer me fast funds availability for a surcharge and even after speaking with several representatives, there is no clear criteria which constitutes a check for faster withdrawal. The standard answer seems to be some checks are and some are not and the choice will be offered at the time of mobile deposit if it’s available. It has yet to offer me this option as of yet. While I’m thankful to not have to send the check to be deposited via snail mail, it certainly isn’t as useful as it should or could be for an established, long term customer such as myself.

2 years ago, PriscillaCiulla

Worst Banking App Ever.

I absolutely HATE the PNC app but like the bank and this is what makes this whole thing frustrating. As someone who does all their banking online, I cannot stand the functionality of this app. Always under maintenance yet nothing, and I mean NOTHING, changes in the app functions. Can’t use this and that, can’t click on my account functions to see my routing and account number, can’t open up the app or login, can’t get Zelle to work, can’t manage my cards, can’t do anything. I’m looking into other banks now because of this and I can’t stand working with this app but really enjoy the features I get with PNC which makes this whole thing so frustrating since I’ve now tried for about 3 years with this bank to make it work. If they updated the app and took something like capital ones app as a template (I deal with them for my auto loan and credit cards) then they would have a great thing and be super competitive with other banks, but they lack so greatly in making the online experience worth anything for the users. They need to fix this outdated, clunky looking app and website that make the experience feel outdated and behind the rest of their competition; along with the functionality and user friendliness that they should be focusing on the most because it’s a joke.

4 months ago, 357cent

76yr old

This HasThen they said they’d call me yesterday and they didn’t so I called them! My account was 0 on Friday and on Saturday it could to be the most confusing and inappropriate Bank. Who would ever say that when you put $300 cash in your account it would be held for three days saying pending? And I’ve tried to close my account for probably a month and a half and every time I pay it to it zero they let something else go through and they know I want to cancel it and the other day I went up to countryside because that’s where I had to do it and I live right down here off the Bay and old coachman and she said we can’t take money here at this branch. You have to take it to countryside. so I went to countryside on Friday and they said I paid off what it said it was negative because they wouldn’t close it six weeks ago and then all of a sudden Saturday my account had $109 in it and you can’t close the account with money still in it what! I haven’t had a debit card because the bank should have closed my account Weeks Ago

3 years ago, sssxxxxbbbb

Bad experience

This feature is very poor at best. I have tried no less than 15-20 times to use this mobile deposit for this single transaction. Initially, went through all steps and said this service not available right now. Tried another day, and kept asking me to endorse the check or may be too light of a signature. Rewrote signature and had to write “for PNC mobile deposit only” after already wrote “for deposit “. Tried to submit no less than 15xs. Called customer service- no help . Told me to go to branch to deposit but many branches aren’t fully operational. Initially referred me to one such branch. Today right before I’m on my way to go to another branch to deposit, I do the mobile deposit and it’s accepted perfectly. The same signature as before. Horrible service. Even as the service ask me to write a review, it willl not submit because it claims the nicknames it keep asking me to use, are taken. How can aaasssdddfff be taken

7 years ago, SahBatYeh

Great convenience, but needs work

I love this app in that I can bank on the go. However, because I can bank in the go, it’s a bit frustrating when I can’t do everything on the app that I can do at my desktop. Transferring funds from my business acct to my main acct is not available via the app. And the limit for mobile deposits is a great idea, but the process is long and the limit is ridiculous for any thriving business. I can only deposit for the first couple of weeks and sometimes that’s split where I have to mobile deposit some checks and then run the others down to the bank. Also, when doing a mobile deposit PNC should consider asking if I want express vs standard deposits at the beginning of use instead of asking every time I deposit a check in that session. Or maybe have a deposit “slip” where I can enter in multiple check numbers and amounts and then take pictures of the checks in that order. All in all, I use it, as it is of great convenience, but only up to a point. I’m still running down to the bank for the majority of the month for deposits. There is a lot of work to be done before receiving 5 stars.....mainly because of the deposit limit.

3 years ago, Sara-e fort hood

Least User Friendly Banking App I Own

I have used Ally, USAA, SoFi, Chase, and now PNC and this one is the worst of them for my purposes. PNC offered the best rate on my auto loan and, unlike any of the others I listed, they have a branch near me. I thought it would be convenient to use a bank with an actual brick and mortar store. That hasn’t been the case. First, I couldn’t create an online account and had to go into the bank where I spent 2 hours while the rep went back and forth with their account admins trying to get my account to work. They pushed hard to get me to create a checking/savings with them to make online payments easier. Also not the case. I can see my loan balance and my account balance both in the app, but I can’t pay my loan balance from the app without signing into “Online Banking” and it gives no other detail. I’m on an app, on the internet (online) and I can access my bank account (banking) so please explain why I cannot pay my auto loan that I can see, through an app where I can also see my bank account. Better yet, just let me add another method of payment on the app!! Chase can do it. SoFi can do it. I’ll be refinancing ASAP even if I’m paying higher interest just to get rid of this inconvenience.

7 years ago, Techie tucker

Missing functionality but not bad

Edit. The Face ID issue has been fixed in the most recent update. Temporarily suspending cards still isn't a feature which is disappointing. There is a feature for cancelling a lost or stolen card now but that is pregnant and you have to wait for a new card in the mail. Better than nothing I guess. It's also buried and I'm guessing the average user isn't going to dig in to find it. There is now a feature, also buried that allows you to report of your going to be traveling with your card so that doesn't get turned off for possible fraud. It's actually quite granular which is good. Unfortunately, it's not obvious yet again which takes away from its utility but worth looking for. It's getting better but still has a way to go for another star. Most of my cards and accounts at other institutions have had the ability to suspend a card temporarily for well over a year in their respective apps. Why not PNC? Every other app on my phone that used Touch ID has already updated for Face ID. Once again, PNC is the only hold out. Otherwise app is pretty good.

3 years ago, widgetball

Worst banking experience ever

They rolled my Simple account over to BBVA, then told me that I could only close my account if I got my account balance down to $0 and it remained there for 72 hours. So I transferred my money out and 3 days later a .99 cent charge from PayPal went through and kept trying to go through. I finally called PayPal and got them to stop the transaction but BBVA had racked up over $30 in fees from having a negative balance (which keep in mind they instructed me to do). Then my account got transferred to PNC and I haven’t been able to access it and now the fees have gone from $30 to $64 (for a $0 charge that never went through) and they say they cannot remove any of those charges. I finally figured out how to transfer money ($64) TO the account from my other banking app that actually works. And my account balance is down to zero so I can now end this nightmare of a user experience. It only took 7 hours on the phone and 2 trips to the bank. If you love being nickeled and dimed with fees for nothing and dealing with a user interface from the 90s, become a PNC customer. If you hate fees and want a modern app, I highly recommend Betterment. There’s no reason to torture yourself, you have options.

5 years ago, Lisa Sloviak

Mobile check deposit

I had to pay $6.93 to get my deposit to go through The next business day which will not be available until Monday I’m not waiting for days it’s ridiculous that I have to pay this amount of money just to get the deposit ready sooner. There is only one PNC branch location which is over 40 miles away from my home which makes it very inconvenient. I opened a new base count with a local bank in the area that offers free checking and they are more closer to my home I’ve never had to pay for mobile deposit and I’ve never had to wait for four days if I didn’t want to pay the service fee. I’ve worked for a bank before and all of these fees will make customers want to go somewhere else and I have seen it happen. Once I get my husband’s direct deposit switched over to our new bank account we will be closing this bank account with you at PNC and we’ve been customers for nearly 20 years I have been with PNC during the merger from national city bank as well. Is there a reason for this review is anyone going to contact me or you going to fix anything about it I’m just wondering?

11 months ago, Rynfyre

Good App, from Longtime User

Been a PNC bank and app user for years, and both have always treated my family and I well. The app isn’t perfect, with some minor bugs that close it abruptly at times, requiring me to reopen and sign in again. This has never caused me to lose any progress on important transactions however. The UI is clear and clean, allowing me to quickly and easily keep track of my funds and make payments on my PNC credit card. As someone who’s never needed funds immediately, the smaller font for the “make funds available now” feature has never been an issue for me. Unlike a previous user states, you CAN deposit checks by taking a photo of the front and back. In fact, the photo deposit system has gotten much better over the years (much less picky about the background, distance to check, etc.) that used to plague versions from years ago. Very easy, just a couple of pics and you’re done. I DO recommend verifying the amount of your deposit before submitting, however, since I had one situation (out of hundreds of accurate check deposits, mind) where the app misread the cent amount on a check and I had to manually correct it before completing the deposit transaction. Customer service reps have always been very kind in our branches, in the few times I’ve needed to talk with them. Not enough problems to warrant contacting them much! As another user said, it’s a great bank and solid app with just a few very minor bugs. Would definitely recommend.

4 years ago, Uuuggghhhh

Solid app, love it

I use this app for checking my balance, as well as recent transactions (a couple months back) which I consider to be a super simple and common use case. It works pretty well for this. The UI can be confusing at times but you get the hang of it. I also use the app for mobile check deposit- you can take a photo of your check and upload it for processing. Funds will enter your account in a few days, or the next day if you pay a small fee. Finally, I have also used this app to transfer money through Zelle, which it handles fabulously. Super simple, super quick. You only need the recipient’s phone number and the money switches accounts. Likewise for receiving Zelle transfers. The app has other features such as Bill Pay which I do not use, but for what I use it for, it’s good. The app is password protected and asks for my password every time. That seems to be a good level of security, if I ever misplace my phone.

6 years ago, theSlehman

Form Over Function

It’s difficult to say that the current version of this app is better than the previous. Though this iteration is drastically different visually than the old, it is flashy beyond reason. When trying to deposit a check, I don’t really need three seconds of layout animation before I see the prompts. The iconography is not consistent throughout: The icon for check deposits in the global navigation is what looks like a desk bell, but the icon for deposits within an account view is a camera. That leads me to another point: If I select “Deposit” from within a specific account view, the “deposit to:” option should automatically designate the account I was viewing when I clicked deposit. That’s just good UX design. Additionally, there is no way to edit personal profile info in the app; it is not necessary to have ripple animation for each pane in a frame; and it is not necessary to have a one-second animation on each button tap before any action executes. Someone spilled hot wax on this app, didn’t wipe off the excess, and it’s gumming up the gears at work underneath. If I’m using an app to manage my money, I’d prefer to use one that’s simple, consistent, and fast.

2 months ago, Matthew11524

A Great Bank

As somebody me who has been with PNC for three years now I actually cannot recommend a better bank. Before being a PNC customer I was with Wells Fargo and Regions. Wells Fargo was just a horrendous banking experience money would come missing from my account and people who know Wells Fargo knows where it went won’t say anything myself. Regions was a significantly better banking experience but they just had a lot of trouble detecting fraud transactions but did great as far as fixing them Regions was a great upgrade to Wells Fargo and I believe a lot of other bank branches. PNC though just knows how to knock it out of the park they have been nothing short of great. Money is always accounted for and are great at detecting and confirming fraud and having mobile banking makes it even better easy to deposit checks though the app and having ability to unlock and lock card through app makes it nothing short of amazing.

3 years ago, Yggkjgcnngfvbmhddc

PNC is the way to go!!!

I’ve had my main account at PNC for over 2 years and there services are great, I’ve had to replace my debit card several times and I’ve been able to get it delivered straight to me extremely fast with little to no fee. When my account had lost funds to unauthorized purchases the support team was 1 call away and helped me resolve this issue within the day. And lastly, unlike most support chats PNCs support team responds quickly and allows you to leave a message after-hours so a member of the support team can get back to you in the morning. They also respond in a fashion that seems more thoughtful than other support services which use automated messages which can be unhelpful or unrelated to your needs, but PNC gives detailed instructions to whatever you need help with, and if your having a more obscure issue they are there for you to give step by step assistance. ⭐️⭐️⭐️⭐️⭐️

7 years ago, Attude

Still needs a lot of work

So it’s great to check your balances and even transfer funds between accounts. What’s not so great is the formatting that it will it will not except on checks for deposit through the app. I’ve had company issue checks that were typed that it will not except that then has caused me to have to go wait in lines to deposit checks. These are clearly stated what the amount is numerically and in written form on the check and should accept them. I have checks that are hand written that will not work that is a little more understandable because hand writing is subjective. However typed checks, cashiers checks, things of this amount should be accepted. I know part of this is technology that has to catch up with the world and not necessarily PNC‘s fault. They should look at formatting and reach out to the customers asking for samples of checks and things to that effect that don’t work to better improve the app. If not for this challenge that I have quite frequently I will say eight out of 10 checks I cannot get to go to the app I would’ve rated higher.

4 years ago, Merck Sharp&Dohme

Getto

For almost my whole life I have a long to the Merck credit Union. Only because of my husband I did I join this bank. I woke up with $2000 in cash and cannot deposit it because the person running your branch runs it like it is a Dunkin’ Donuts. I only want to deposit money, and I have to make appointments despite having five children. I’ve never had this problem with my bank ever! I have now accrued overdraft fees because PNC has decided to make it so difficult for me to deposit money in an account. I do not write checks normally and had to go through great lengths to give my mother cash to receive a check from her so I can do a mobile deposit. Your app kept crashing and wouldn’t except the check. I really have no idea why my husband put his money in PNC‘s care. It is cumbersome and archaic dealing with you! This is not entitlement! If I ran my house ,the way you run your bank ,my children will be dead.

1 year ago, Mitchell Pash

Subpar App from a Subpar team

I realize that there are millions of reviews and I might as well just yell into a void. On the whole this app was designed by a grossly old deign team. The toggle touch zones are so small you need a stylus! I find myself tapping remember ID 5 or 6 times before I find the sweet spot and it actually takes. The kind of attention to detail on the first screen is obviously lacking. Or the team is held back by and even worse design system where there equally isn’t any investment in how things can be improved. You’re the fifth largest bank in the world and you are crumbling underneath the weight of your own dilutions that this is acceptable. I guess this app is the perfect example of what it means to fail up. The PNC app is great for one thing though - a solid primer on what not to do when making a banking app. I’m just glad it’s functional but I’m not inspired to work for PNC by any stretch of the imagination.

3 years ago, Br6251

Suggestion

Overall the app is very helpful keeping track of finances. I do have one suggestion, however. I realize the “free until” dollar amount is a big concept of the virtual wallet. However, it’s the “available balance” that I would think most of us need for our accounting purposes, and it never fails- when I’m trying to balance my finances, having the “free until” dollar amount number shown as the biggest number visually on the app or web, it always throws me off. As a bank I'm thinking it should be more important to show our ACTUAL dollar amount, not a budgeting number that comes up as an algorithm. On the phone app it would even make more sense to have the “free until” amount on the same line and place as the “scheduled out” amount, as they are in reference to each other. Hopefully this makes sense. Having the “free until” amount IS nice to know, but when I open my account, knowing what is actually available in my account is what we need for our accounting.

6 years ago, annoyed one the 25th

misleading msgs from the app

this version of the app was never up to the first one, there are more annoying features in it - such as i cant log out unless i go to all the way back to the opening page to do it, and if im on the phone at the same time, i cant even close it, because the logout is covered... then, the latest: the app used to warned what was wrong, if i mis-typed something, like wrong amount, now it says: “this service is not available, try later!” and i have no idea what is going on! such a disappointment! i wish the developers would go back! and news again! the app said this service is unavailable momentarily, when i put ID and pw. then it allows me to security question and then it says the couldnt verify. and shows the same msg. i dont get if an app os under construction, why dont the developer rolls out a new version? and why do they have to play this on friday evening, when i need the money to be on the account asap??

6 years ago, PittDMD06

Terrible app compared to other banks!

I'm using multiple different banks' apps and this PNC app is by far the worst! First of all, it's all in black & white! Other banks use green to show deposits and red to show withdrawals which makes it very easy to track the activity. Other banks also separate each day's activities by date so it's easy to see when a transaction was posted. Other banks have the type of transaction right under each transaction, meaning they show wether it was a check or automatic withdrawal or a phone transaction, etc. other banks also show a picture of the check or the withdrawal slip when you click on the transaction. Other banks apps also allow bank to bank transfers. I'm not sure why PNC is so far behind the current technology when these days most banking is done through apps! This is certainly a reason for me to switch to other user friendly banks unless if PNC decides to improve!

3 years ago, RJOshesky

Never had this much trouble with any other bank app.

Constantly says “Accounts unavailable at this time” even with or without VPN installed; turned on or off no matter. Deleted/re-installed repeatedly. Website works fine all day everyday, but the app doesn't work 3 out every 5 attempts to log in. I never bother reviewing apps because I think its a total waste of time but the banking industry should have the best apps (period). Have banked with PNC for many years and have had almost constant issues with both PNC apps for equally as long, including the Virtual Wallet app when that still existed (which worked better then this one). I would add that I do a fair amount of banking with different banks/credit companies and their respective apps; I only have issues with one out of ten banking apps, this one. Disappointing.

5 years ago, Neener1015

You dipped into my escrow account

I’m NOT happy with PNC and the steps they took to “help me with my water bill.” My bill has been more delinquent than what they recently decided to use my escrow funds to help me with. I never received a notice from the tax or utilities office. I called and they said while I had a balance, it wasn’t anything to warrant what PNC did with ONE PHONE CALL to them and none to me as their customer and employee at the time. I looked thru my closing packet. I couldn’t find anywhere that allows PNC to do this. I’ve contacted a few attorneys and I’m waiting for their collective feed back before i make any decisions. I also read that PNC is merging with Bancorp. You’ve removed so many quality employees, and stopped any quality compensation plans for those who stayed. Most of us left because of it. It’s hard to pay bills and feed a family of 4 as a single mom on what PNC pays its mortgage officers. Doing THIS made me realize it’s not about your employees or your customers - it’s about your bottom line. Good luck with the merger.

6 years ago, KDaniB

Money

In the age of technology, it doesn’t make sense to deposit funds and either pay a fee to get them instantly or have to wait an entire business day. There are so many banking apps that make it possible for me to send and transfer funds instantly and even get paid and deposit those funds instantly. I can understand the fear of an invalid check, but it’s still inconvenient. Otherwise, the app is ok for what it is. Sometimes it glitches and closes randomly, but mostly it works as anticipated. It’s helpful but the fee for instant deposit is unnecessary and I only pay it when I have to. It is enough to make me want to switch banks, tho. People with tight budgets can’t afford to pay $5 or something ridiculous like that for instant deposit (and we can’t really afford to wait several days either) just so we can use the only money we get. If your only concern is for the wealthier folk who can always afford to wait/pay a fee to access their own earned money, then I probably should just look for a better bank.

2 years ago, Goodbye Bloatware

App was not fully functional pre IOS16, now it’s unusable

I had PNC because they took over my National City mortgage. They also did not have a means for me to pay my mortgage online in the beginning unless I had a checking account! They didn’t have locations in my area at the time. A few years later, I did a re-fi, they dragged it out over 4 months in 2018, I was approved by competitors but thought all things being equal, there would be less paperwork with the same mortgage lender. Part of the ‘deal’ was a cheap interest credit card. They only way to still pay these is via an online transfer account set-up, which cannot be done on the mobile app. And you can’t do this function via Safari now in IOS16. Thankfully I was able to re-finance via another major bank , paperwork completed in 17 days, lower fixed rates and no points, but I still have this PNC credit card which they make it impossible to make payments online for. They’d rather you mess up so they can collect penalties on the already outrageous % tacked onto the Prime rates. Crypto wallets aren’t as glitchy!

6 years ago, KBhatty

Huge improvement!!!!

The new and updated app has finally caught up and is on par with other banking apps. The one feature that I truly wish the app would add is the ability to store logins for multiple user IDs. It’s a pain to manually enter the second user ID and go through the security questions each time you want to check the other accounts. ============================= = Comment below is from 2 years ago = ============================= The functionality, UI and graphics quality would be ok if it was 2012 but it just seems very outdated today. There is no support for: 1) multiple user IDs for logging in. 2) fingerprint login never works even though it works for me on other apps that "truly" support it. 3) there is no option for two factor authentication 4) graphics don't adjust to take advantage of screen real estate on bigger phones. 5) can't see account numbers which are now, thankfully, visible on the new website. Between this app and VirtualWallet, the PNC app team has lost its identity and it seems like they are struggling. These apps should be combined just like your website. After all you don't make customers go to two different websites if they have both a VirtualWallet and non-VW checkin account. Lean from your website... Learn from your competitors...(BofA) Learn from your mistakes...

3 years ago, royallyfkd

Worst app and banking experience ever

I opened my account Over 3 months ago and have never been able to login to the mobile banking app. When I initially set up my account I was held captive in the bank for over 2 hours talking to the banker who was going on and on about the products and services. He insisted I set up online banking in the branch I told him I wanted to wait until I got home so I could have the password/ info stored on my MacBook. He created the user name with me in the branch and set it up anyway he said I could just change the password by using the reset password option Anyhow it’s been over 3 months I have test the password and for whatever reason the app cannot verify my account or me. I have called the online support and gone into the branch numerous times for help. They just reset the password and then tell me to set up online banking like I’m a new account. Long story short I go through the process they tell me to do I wait the 48hrs for the reset to kick in and still get the same error that I am unable to be identified. 😞

3 years ago, The land FISH

Can’t make loan payment from external accounts

If I could give this app 0 stars I would. Like most people I was with BBVA and their app was awesome. It worked perfectly for deposits, payments, etc. but this app is garbage! In the BBVA app I was able to make payments on my loans from my external account which is WellsFargo. But now I can’t even do that. Today I had to physically withdraw the money from my WF bank, take it to the PNC bank and then deposit it just so I can make payments on the loans. And their transfer system on the app is also trash. If I transfer money from my WF account to the PNC account, it takes days, and that can cause serious trouble if someone is in a rush. Also the transfer is only from my WF checkin to the PNC checking, not to the loans. The BBVA app was soooooo much better than this garbage app. Please fix it, you are a bank with billions of dollars. Pretty sure you can spend a few bucks to make a better app. I don’t wanna have to keep wasting my time physically withdrawing money from one bank and taking to another. It’s just Preposterous.

4 years ago, Diamond2024

Check deposit on app doesn’t work

I’ve never had an issue with PNC and technology for over 10 years until now. Apparently it’s an online services issue right now with customers trying to deposit checks on the app. Being I live out of state now and determined to not change banks after being a customer for over 10 years, I’m very disappointed that this issue hasn’t been resolved considering it’s my only way to deposit money into my account without fees or charges. The check deposit on the PNC virtual app is giving me the same results. “This check has already been mobile deposited into your account,” and customer service said there is nothing in there and that it’s an ongoing issue right now. PLEASE PLEASE FIX THE MOBILE CHECK DEPOSIT on the apps so I can pay my bills. Thank you.

4 years ago, Mikey0822@

Unfortunate

So I have been banking with PNC for about 4 years. I am also a previous employer of this financial institution. Great bank to do business with as well as work for. My one and only true reason for giving this app a 4 star rating is that I can’t believe that all these years have passed of having online banking and there is still NO FEATURE TO VIEW PENDING DEPOSITS. As a former employee I can’t tell you how many times customers asked why they can’t view pending deposits before the money is actually made available and honestly that is something I always wanted as well.. PNC I’m speaking for all those customers who may not take the time out to write such a review. Others banks have that option and PNC is the best of the best with online banking so why not have that option for us as well!!!

4 years ago, Sverfnebli

Typical of this bank

I have several banking apps and this one is the most frustrating. I understand the balancing act between security and convenience. This app does not do a very good job of remembering my login information. I have to retype it frequently. Since we have several accounts with PNC they made us make different logins initially. The app does not manage multiple logins very well at all. The mobile check deposit is the worst I’ve ever seen or tried to use. It is literally faster for me to take checks to my local branch for deposit. The app tries to auto focus on the check and take pictures automatically which it never can. There is no way around this so I have to wait 30 or so seconds for the app to realize that it cannot do anything before it prompts the user to take the picture manually. After that there is another long wait. The deposit feature from Ally and BoA are VERY fast respectively. If you cash checks every once in a blue moon that is one thing, but if you are a business and have multiple checks to cash on a regular basis it is a nightmare.

5 years ago, BLT41567

A Great Deal Potential

If PNC can keep the app as simple as possible and fix the daily, weekly deposit limits... it will be a huge help. I need to be able to deposit many, many more checks daily. I understand many of the limits are government regulations. However, PNC and other banks can push to change the limit and I am sure government would respond once safeguards are put in place. Maybe they could work out background checks then recheck on a random basis. I’d like to see this integrated Quickbooks which helps me immeasurably. I really like the people at my PNC branch and they do all they can to help me grow my small business. PNC is a very careful bank. They really don’t take risks so they can be a bit frustrating for those of us in the residential construction world. If you bank with PNC, this app is helpful and I’m guessing it will only improve as banking rules and government rules adjust to this ever changing technology.

5 years ago, IPOT333

PNC MAKES MOBILE EASY!!

I have been a long time customer of PNC for personal banking. Mobile deposits are especially easy with this app. The only differences between online banking and mobile is that i am unable to change the amount of a previously scheduled payment. Using the mobile app I have to reschedule the new amount and totally cancel the existing one. It’s also a little trickier to find the biller on the app if I have two different credit cards but from the same big bank. One thing I love about paying my bills with PNC is that the payment ALWAYS gets there on the date I schedule it for. That’s a lifesaver. I recently realized that I had a payment due to a biller the next day, had deducted it in my checking ledger but had forgotten to actually schedule it. I was able to do it and it got there the next day. Dependable and recommended!!

5 years ago, Sun0909

Horrible banking features and customer service

I had fraud transactions on my credit card account due to which PNC had to close my account and issue a new card. But I cannot access my previous card’s transactions. Apparently I have to go to the branch to get my statements. This is ridiculous considering that all major banks have this basic feature to access transactions online, especially when there is fraud on account. I always have auto payment to pay my statement balance but because they issued me a new card and closed the previous one their erroneous software charged me an “interest charge” of $34. If I had not noticed I would have been penalized for their error. PNC appears to be an antiquated bank. And when I asked customer service if they can pass along the feedback to business team so they can fix these issues the rep said he does not know of any process like that. Disappointing! It is only a matter of time that I am going to get another credit card and start using that. Thanks for showing me that you don’t care about my business.

7 years ago, SapphireHearts

Can’t even login now

Now that I’ve upgraded my phone to the iPhone X I can’t use the app. It hasn’t been updated to use the face recognition yet and asks for my login every single time. The security questions aren’t accepting my answers or gives me an error message. I end up having to go login on a computer which is very inconvenient when I’m out and can’t get in the app as needed. When I can get it the app will not remember me for next time and skip the security question so I’m continually asked every single time and just hope it will let me pass. I know my answers but it certainly doesn’t accept them. I have to also agree with the reviewer from November as well. I’ve had several of the same issues depositing checks. Things really need to improve very soon. Please update to the facial scan so I can get in the app all the time!!!

6 years ago, rickfish319

Check depomesit goes black without progress status

Check deposit goes black, no processing or activity being displayed on my I phone. After a long time it came back with a processed picture. This used to be fast a a photo ie less than a second versus 30 seconds. Give folk a n indication that you are processing slowly in the back ground every aspect of the deposit. Then you ask me to approve the picture and the process continues. My other bank started this too. Yesterday it took so long that it logged me out. So I waited versus starting over. The process did return back and I finished. My other bank processed both transactions giving us an extra error to work out. Stop wasting time having your customer wait for your computer to think of problems. Take the check details and finish up. You can always challenge the deposit afterwards. Don’t LEAVE US HOLDING THE COMPUTER WHILE YOU PONDER THE IMAGE. Deposit and verify in the background. I have never had a teller so rudely verify the check or ignor me without contact.

7 years ago, AuntDucky97

So convenient!

I’ve been a PNC customer for 15 years (ever since I worked at the main branch in Pgh). I moved back to my hometown in 2013 and the closest branch is 80 miles away from my home. I refuse to change banks, because I love PNC and will remain loyal to them forever.....but going to the bank can be a hassle. So, I was delighted to see that I can make a deposit via the PNC app!!! So easy too. Just snap a pic of the front and back of the check and it’s electronically deposited with funds available w/in 24 hours!!! Since making a deposit was my biggest challenge this was indeed a happy realization. I have PNC ATM’s in my area (at the Sheetz stores), but deposits aren’t accepted at these ATM’s. Which...I really wish could be changed to allow deposits. Now the only obstacle will be in depositing cash....fix the problem with the Sheetz ATM’s and I’ll be set!! Thank you PNC!! ♥️

3 years ago, Alexia Lipman

A great bank, made even better with well designed app.

I love PNC as a bank itself (friendly, prompt and THOROUGH customer service, no ridiculous fees or sketchy operations, great credit card, investment and checking account options. Never have had any fraud scares and out of the common banks that I hear having issues from friends, I’ve never heard any of them brining up a PNC, I love their heightened security and the peace of mind it gives me)…: so it just makes me love them even more for having such a well designed app. The interface is very appealing and user friendly and is an encouraging way to stay on top of my finances because it’s so convenient and easy to use. Using Face ID, with just a glance at my screen, I can see what’s going on in my checking, savings, credit, and investement accounts, send money, use the tap cards within the account to shop, learn about my accounts, keep track of my FICO, never miss a credit card payment and even activate discounts for retail, restaurants and other services all from the palm of my hand. Great job PNC for actually putting in the effort to find smart developers, truly taking care of customers from the store front, on our computers and all the way through to our phones!

11 months ago, TheDevourLord17

It’s a great app*

Compared to other banking apps I’ve seen, this one has everything a person could really need. That being said, historically, not being able to reliably open and access the app after midnight has been an inconvenience my entire time with the bank, and some UI decisions leave a lot to be desired. My biggest gripe is in the deposit section. You can deposit a paper check via picture. You go through all the steps, take the necessary photos, and then at the end it prompts you—and pay attention here—whether you want your paycheck right now, or whether you want to wait 24 hours. It defaults to waiting, with no clear cost to accessing immediately, and makes the immediate option smaller and less visible. This isn’t some sob story or serious complaint, but because of these features, I now have ruined my whole day’s worth of plans because now I have to wait. If I had rent or another bill due today, I’d just be screwed. Why is waiting even an option? Why is it the default option? Could we, in some of the seemingly endless stream of updates preventing me from viewing my funds after dark, implement some simple UI changes to help ease the user interactions with the app, and make it where I don’t have to rely as heavily on my blisteringly incompetent employers? It’s really a 5 star app with some minor tweaks

5 years ago, PaulV230

It would be perfect except for one thing

This app lets me do everything I need a banking app to do, but one major flaw keeps me from giving it a 5-star rating. Rather than using a one-time password as a method of two-factor authentication (2FA), the app relies on security questions. Since the answer to many security questions can be found with enough digging (i.e. social media), I use long, password-like sequences of random characters as my answers. (And yes, I use a password manager.) Unfortunately, this app doesn’t support copy/paste in the answer field, so when my Touch ID expires, I need to use a second device to display my answer so I can enter it manually. Please consider updating your approach to 2FA or at the very least support copy/paste in the security question field—for the sake of those of us who take online security seriously.

4 years ago, NewGamer1900

Virtual Wallet was so much more functional.

I’ve been a PNC customer for years, going all the way back to when you acquired National City. I’ve always been a fan of the bank and customer service. But the app and online technology has always been lackluster. That said, the Virtual Wallet app was good, and got the job done. Now, it’s gone and you’re forcing me to use the PNC app. As someone who used the Virtual Wallet app daily, I don’t understand why you did not port over functions such as viewing your balances without logging in, using the Virtual Wallet bar to quickly slide and transfer money, making the manage allocations easy to access and engage with. Do better PNC. This is unacceptable, and for the first time, I’m debating on switching to a bank with better and more user friendly tech.

7 years ago, Toby No

This app is terrible

Is there something about technology that requires updating apps when there was nothing wrong with them in the first place? Do you get bonuses for changing apps? Is this a form of showing technology advancement for the company? I would have rated your last app of four or five out of five stars this app is a one and that is being very generous. Your password changes are garbage. The inability to see multiple accounts that are linked including virtual wallet or investments is garbage. Having to reenter all of my password information every time you update your app is garbage. There is a part of me that wonders if the people developing this app are actually laughing in the background thinking about people having to use this garbage. Did I mention I think this app is garbage. I guess the bright side is when I’m staring at the screen and it tells me that mobile app deposit is temporarily down at least I have a moving background to watch... like a fish in a dentist office, which I’m pretty sure a dentists office could handle my banking better than this app does.

4 years ago, why is dad writing this review

Will not accept escrow refund mobile deposit

I’m a Delivery driver working six days a week now due to the pandemic. PNC is closed on sundays completely now which makes no logical sense other than trying to save money and inconveniencing customers as an essential business. I really could use MY money, which is what an escrow refund check is, but it says the pictures are not clear enough to deposit. I took screenshots and have shown multiple people, the pictures are clear, yet it won’t deposit for me. By the time I’m done working EVERYTHING is forced to be closed. I didn’t sign up to work 9am to 8/9pm six days a week but there’s no choice for me to sit home and get an extra $600 a week like everyone else, I have to do my job as an essential business. I’m delivering food and clothing on top of fire pits and other non essential items but I’m not complaining, I’m just doing my job so everyone can get through this tough time. Thanks for making things exceedingly difficult for me. Your app is garbage, an escrow refund check is literally MY money you won’t deposit for me.

2 years ago, Someone who cares !

Not Worth The risk !

I would not recommend PNC bank at all . Especially not their online banking . There’s often malfunctions and issues with the app itself and sometimes it can be difficult to log in . Even though it’s great to have good security measures you should at least remember my phone once I’ve given you permission to. I shouldn’t have to continuously reset my preferences . I’ve also opened Two accounts with PNC and both were closed down for “ unexplainable reasons .” No one could ever provide me with feedback nor could they sit on the phone and take the time to see about my needs and requests . After closing down my account I was only able to get in contact with one agent who listened and even then that agent told me that I would get a call back within 2-3 business days . Instead I got a call back 2 and half months later .This bank is all around unprofessional. I’m just sharing my story so your finances will be protected from banks like this who don’t care about their costumers!

10 months ago, kwray

Either PNC is scamming us or the app development team is scamming them.

Most apps are not down as frequently and also work better. you’re a huge financial institution please make a better app or at least have it available more often. Why have it down if you’re just going to let your product be glitchy and hard to use. No search function of any worth for previous purchases, I regularly have to verify over and over again to access account information. I’m 22 years old, I’ve grown up with apps, changed banks, and I’m here to tell you it’s not you, it’s PNC. Either make your app available all the time or stop pretending you’re making “improvments” it’s either completely deceitful or their app development team is completely incompetent.

Description

Check balances & recent transactions – See current account activity for your checking, savings, credit card and loan accounts. Protect your accounts – Set up Touch ID® or Face ID® to securely sign on to the app. Or, reset your password quickly and conveniently if you need to. Send money with Zelle® – Send money simply, to people you know and trust (i) using your mobile number or email address. Transfer funds – Transfer funds between eligible PNC accounts and external bank accounts (ii). Make deposits – Deposit checks quickly and easily with your iOS device (iii). Pay bills – Add your bills and make one-time or recurring bill payments right from the app. Manage your cards – View and manage your PNC credit, debit and SmartAccess® cards and make in-store payments with Apple Pay right from the app. Lock your cards – Easily lock or unlock your PNC debit card or credit card if you misplace it. Locate PNC – Locate the nearest PNC ATM or branch using our location services, or search by zip code and street address. If you have Virtual Wallet®, you’ll have access to more tools and insights to help you work toward your financial goals. See what’s free to spend – Your Scheduled Out subtracts known bills and expenses from your available checking account balance to show you what’s free to spend, which we call your Free Balance. You’ll also see potential Danger DaysSM, which is when your account is at risk of being overdrawn. Visualize your money – Use Money Bar® to see how much is available to spend with your Free Balance, what you’ve scheduled for bills and how much you’ve set aside for goals. Know your activity – Use the Calendar to see upcoming paydays and payments, and view a history of your transactions. You can pay bills, schedule bill reminders, track external payments, view potential Danger Days and more. Track your spending & set budgets – See where you're spending your money with categories like restaurants, gas and more. Then, create budgets to know if you’re staying on track. Make saving easier – Create savings goals to work toward your goals and keep track of your progress along the way. Set up automatic rules to regularly transfer money to your savings, like once a week or when you receive a paycheck. Make saving fun using your personalized piggy bank to transfer money to your savings. With PNC’s Security and Privacy, you can be confident that your personal and financial information will be protected while using our app. (i) Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offer a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. (ii) There are limits to the number of transactions you can make from a savings or money market account per month. (iii) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement. Virtual Wallet, PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. ©2024 The PNC Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Face ID® and Touch ID® are trademarks of Apple Inc., registered in the U.S. and other countries and regions.