PNC Mobile Banking Reviews

I could give 5 stars for convenience and general reliability. But the last update, while making PNC 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 PNC and it serves me well. I could just do without all the fru-fru.

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/this app 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 PNC 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 PNC , 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.

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.

Well, it works somewhat, but PNC 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 PNC . 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.

I use PNC 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 PNC 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 PNC 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.

PNC has other features such as Bill Pay which I do not use, but for what I use it for, it’s good. PNC 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.

I absolutely HATE the this app 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 PNC. Always under maintenance yet nothing, and I mean NOTHING, changes in PNC 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 PNC 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 PNC but really enjoy the features I get with this app 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 PNC 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.

I love PNC 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 PNC that I can do at my desktop. Transferring funds from my business acct to my main acct is not available via PNC . 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 this app 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.

I have used Ally, USAA, SoFi, Chase, and now this app and this one is the worst of them for my purposes. this app 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 PNC , but I can’t pay my loan balance from PNC 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 PNC !! 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.

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 this app? Every other app on my phone that used Touch ID has already updated for Face ID. Once again, this app is the only hold out. Otherwise app is pretty good.

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 this app 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 this app customer. If you hate fees and want a modern app, I highly recommend Betterment. There’s no reason to torture yourself, you have options.

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 this app 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 this app and we’ve been customers for nearly 20 years I have been with this app 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?

Overall PNC 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 PNC 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.

I’ve had my main account at this app 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 this app 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. ⭐️⭐️⭐️⭐️⭐️

It’s difficult to say that the current version of PNC 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 PNC ; 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 PNC, 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.

this version of PNC 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: PNC 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! PNC 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??

this app 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 this app 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 this app 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.

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 PNC . 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 this app‘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 PNC . If not for this challenge that I have quite frequently I will say eight out of 10 checks I cannot get to go to PNC I would’ve rated higher.

I’ve never had an issue with this app and technology for over 10 years until now. Apparently it’s an online services issue right now with customers trying to deposit checks on PNC . 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 this app 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.

Everything in PNC takes multiple clicks and numerous sub menus that are not intuitive or obviously labeled to operate.

For example; To get the spending calendar requires three clicks (click the balance, wait and receive a bunch of dots, scroll to the calendar button, wait, expand the calendar, wait, then on to the final page) versus the Virtual Wallet app that took one selection from the main page that is clearly labeled. Seriously, “click the balance” to get details and perform account actions? If you are on a low speed connection all you receive is a bunch of dots versus any feedback that indicates it is loading data for a new page.

There is no consistency between actions- a mismatch of drop downs, unlabelled selectable options, pages that roll in from random directions and zero accessibility features. It would be an flashy tech demo for a high school coder demonstrating all the cool graphics options, but a disastrous approach for a bank with $380 billion in assets. Consumers expect a consistent and easy to operate approach on their mobile apps, and this app Bank does not deliver.

I’m NOT happy with this app 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 this app 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 this app 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 this app 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 this app 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.

The new and updated app has finally caught up and is on par with other banking apps. The one feature that I truly wish PNC 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.

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= Comment below is from 2 years ago =
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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 PNC and VirtualWallet, the this app 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...

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, PNC 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.

If I was able to give 0 or even Negative stars, I would! The prior app was fine!!! "If ain't broke, don't fix it!" WHYYYYY in the world don't ppl abide by this rule?!? this app, you should be 'RUN FOR THE HILLS' EMBARRASSED! To revamp this entire app for reasons UNBEKNOWNST to ANY person on the planet, STILL boggles my mind! Visible moving features...no one needs that! Ppl don't use apps (unless they're under 13) for how they look. One STILL CANNOT access this remodeled (cr)app! I actually was overdrawn for the FIRST time ever in my life cuz I wasn't able to just pull up my acct balance like with the prior version. Was out of the country & the once reliable app now was not working, etc. You get the picture... SHAME on you, this app for allowing some ADHD programmer unnecessarily redesign a perfectly working app into one that A) DOESNT EVEN WORK & B) changed for which looks like only for visual purposes. It won't even work, so one cannot even see what other possible reasons there were to change it...one word-UNACCEPTABLE! Stop trying to "win" over millennials. FIRE whoever RUINED PNC & your reputation! What an absolute piece of garbage & an utter embarrassment as an organization!

-by A Real Person 😑

I'm using multiple different banks' apps and this this app 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 this app 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 this app decides to improve!