PNC Bank stands for Provident National Corporation. It is one of the largest banks in the US. It has 2,600 branches and approximately 60,000 ATMs The bank serves customers in states like California, Michigan, Illinois, Pennsylvania and others. Wide range of services include checking accounts and credit cards.

PNC Virtual Wallet is one of the most known products of PNC Bank. It is essentially a checking account. It charges a monthly fee of $7 which can be waived if you receive $500 direct deposit, or keep $500 balance, or if you are a senior older than 62 years.

To setup direct deposit or just transfer from and to PNC Bank checking account, you have to find PNC account number and routing number first. ACH transfers are free of charge, but you can move money only between your own accounts. If you want to receive or send money to other people you can use wire transfers or send money using Zelle. In other banks incoming wire transfers are free, but PNC bank charges a $15 fee. Outgoing wire transfer cost $30. The same fee is charged for international wire transfers. SWIFT code of PNC bank is PNCCUS33.

You should also make sure to know how overdrafts work in PNC and how to handle them.

Credit cards

PNC Bank offers 4 credit cards: Core credit card, Cash Rewards, PNC Points card, and Secured credit card for those who try to build credit score. None of these card look good to me. Other banks like Capital One, American Express, Chase offer much better credit cards.

PNC Core Credit Card is the most basic card with $100 signup bonus and wide range of benefits. You can get this card and use it from time to time.

PNC Cash Rewards has $200 sign up bonus with intro APR for the first 12 months.

PNC Points Credit Card has signup bonus 50,000 points after you spend $750 within first 3 months. You can redeem points as a statement credit, travel and more.

PNC Secured Credit card supposed to help you to build, improve, or fix your credit score. It doesn’t require a high credit score to begin with, so it is easier to get.