PNC Mobile Banking App Negative ReviewsPNC Bank, N.A.

PNC Mobile Banking Negative Reviews

4.83898 star

Total 32 Negative Reviews

PNC Mobile Banking App Complaints & User Negative Comments 2023

PNC Mobile Banking app received 32 complaints, negative comments and reviews by users. Have you ever had a bad experience using PNC Mobile Banking? Can you share your negative thoughts about pnc mobile banking?

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PNC Mobile Banking for Negative User Reviews

Check depomesit goes black without progress statusCheck 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..Version: 4.7.1

Worst banking experience everThey 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..Version: 4.23

Least User Friendly Banking App I OwnI 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..Version: 4.21

MoneyIn 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..Version: 4.4.0

Junk: check deposit doesn't workI was excited when I saw the mobile check deposit feature, but it's total junk. After multiple attempts, I have never succeeded in depositing a single check - I only get error messages. Maybe it's because the app will only accept checks of a certain size?.Version: 2.2.4

You dipped into my escrow accountI’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..Version: 4.9.1

Last update is all jacked upI haven’t been able to use Zelle services since July kept asking me to call the bank customer service toll free number. They give you the run around just to tell you/blame you for the problem by saying you entered the wrong info causing you to lock out of the service. They claim they fixed it however I now can’t transfer fund from one account to another from my own wallet accounts. Smh pathetic. After 10 years being a PNC account holder I get these problems. Very frustrating and bad customer service. Being a customer service manager myself I know how to treat a customer and know to always be understanding of their frustration and not put more pressure to wound. Apologize for the inconvenience and notify the customer you will contact IT and open a WO with them so they can get to the bottom of it. I hope I get a follow up call within a few days to a week to find out how the mobile app and online banking is now working for me. However my expectations are slim to none at this point..Version: 4.17

GARBAGE!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?!? PNC, 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 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, PNC 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 word-UNACCEPTABLE! Stop trying to "win" over millennials. FIRE whoever RUINED this app & your reputation! What an absolute piece of garbage & an utter embarrassment as an organization! -by A Real Person 😑.Version: 4.0.2

Will not accept escrow refund mobile depositI’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..Version: 4.15

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..Version: 4.25

OkWell, 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..Version: 4.3.3

NO ACCESSPNC 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..Version: 4.11.0

Can’t make loan payment from external accountsIf 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..Version: 4.23

This app is terribleIs 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..Version: 4.0.2

Terrible personal & business setupUnlike the pnc website that has two separate websites for personal and business, unfortunately you only have one app for both. This app also appears to be several apps in one. Meaning there is no flow from accounts to paying bills. Your essentially loading another package of the app which you can see loading. It’s like several band aides put together in haste for this app. In order to manage both your personal and business accounts you will need to fill out a couple of forms at the bank to “Link” these two accounts to the app. Once linked, you will be able to see all your business & virtual wallet personal accounts including credit cards. However, if you want to pay a personal bill in this app, there is no way of accessing the payment from account as it is always set to a preferred business account. If you want to change the preferred account, you will need to fill out a form at your bank. Of course, the easiest and most practical way is to allow you to choose which account you want to pay from, like any other bank but PNC decided that a convoluted frustrating UX would be the best way. So in summary, if you want to pay your personal bills with this app while linked to a business account... you cannot. You must use a browser and do it online. In a digital age, PNC is way behind. This app needs an overhaul..Version: 4.19

ConfusingI really don’t understand this app. I was a BBVA customer and bc of the buy out, I’m not a PNC customer. I was cool with until I got the app and couldn’t figure out what was going on with my accounts. I don’t see my main checking account at all. I only see my secondary account, my business account, and my credit card. I asked why I couldn’t see my main account and they said give it a couple of days. I have and still can’t see it. The layout is weird and it’s not user friendly. The Home Screen needs to be a more simple layout for people who have multiple accounts. With the BBVA app you could easily transfer money between the accounts. I need this app to be more simple or I’m moving banks. The only reason I am hesitating is bc I have a credit card thru BBVA (now PNC) and I don’t want to have my going thru so many apps. I like a one stop shop. But I believe I will be changing to a local bank with a better online banking and easier customer service..Version: 4.23

Form Over FunctionIt’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..Version: 4.3.0

Depositing a check really torture my soulIt is freaking hard to deposit a check using this mobile app. It takes me 30min to deposit a single check, telling me either unable to find the endorsement or the picture is unclear..Version: 4.13

Only bank with a good and consistent digital interfaceIn 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..Version: 4.19

Horrible banking features and customer serviceI 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..Version: 4.10.0

Worst app and banking experience everI 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. 😞.Version: 4.21

UnusableCan’t paste user ID or password to login. In an age of password managers this is a usability death sentence..Version: 4.6.1

Updates and IOS13Cannot access the app. It says i have to update it, but i cannot do it as that requires iOS 13 or higher- which is not available to my device..Version: 4.25

Typical of this bankI 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..Version: 4.14

Still needs a lot of workSo 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..Version: 4.2.0

Mobile check depositI 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?.Version: 4.12

Confusing and hard to followEvery 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..Version: 4.2.0

Great convenience, but needs workI 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..Version: 4.2.0

Not an improvement.Preferred the previous app much better for the iPad Pro.Version: 4.4.2

“Free Until” balance is confusingInstead of showing you your actual balance, they do a calculation for you to show your available balance minus your scheduled transfers, and this is what you see in giant green numbers at the top of the screen. It’s so annoying and makes me panic every time I see it because PNC doesn’t know that I’ll have more deposits that will cover transfers in the future, and it gives me these alerts and warnings that make it appear as though I’m over drafted or don’t have enough in my account. I wish I could set it so I could just see my balance. I did the math. I scheduled everything. I’m fine. Stop doing it for me. Literally about to turn off auto transfer and set calendar reminders in my phone to make transfers because this feature annoys me so much. Please change it or give us an option to change it..Version: 4.20.1

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!.Version: 4.28

App was not fully functional pre IOS16, now it’s unusableI 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!.Version: 4.33

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