The Better Business Bureau gives PNC Bank an A+ rating. Your PNC accounts are FDIC insured for up to $250,000, or $500,000 for joint accounts.
The bank also has a live chat function, but you'll have to check back later if all representatives are busy there's no way to queue. To contact customer support, call Monday through Friday between 7 a.m. You also have the option to pay or return individual checks and payments made using your checking account when your balance is negative. The perk, available through the bank's mobile app, gives you at least 24 hours to bring your account balance to $0 before you're charged overdraft penalties. PNC has a feature for its Spend account to help avoid overdraft fees called Low Cash Mode. PNC received 4.8 out of 5 stars in the Apple store and 4.4 out of 5 stars in the Google Play store. Otherwise, you'll have to open a standard savings account. For example, you can only access high-yield savings options if you live in an eligible market. Your decision to bank with PNC could largely depend on whether you live near a branch. Here are the states with brick-and-mortar locations: PNC Bank has around 2,500 branches across 29 US states and Washington DC. You may have to maintain a $5,000 balance to avoid the $12 monthly service charge. You'll want to be mindful of monthly service fees on the account, though. In certain markets, you can earn up to 1.75% APY on account balances of $1 million or more. The PNC Premiere Money Market Account might be a decent choice depending on where you live. Earn Relationship Rates with Performance Select Checking, and increase rate with a higher balance.Earn Relationship Rates with Performance Checking.Avoid the $12 monthly service charge when you maintain a $5,000 average monthly balance.
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