Compared with Delaware
7 of 16
compared fees are above the median.
7 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
93rd percentile; peer median 4.2%
FDIC call report data · Jun 30, 2026
Fees above the Delaware median
of 16 compared; 7 below, 2 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for PNC Bank, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 15 banks with over $250B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Delaware median | Published fees above the Delaware median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | PNC Bank, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 7.7% of revenue, above the 4.2% median of 15 banks with over $250B in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $497.8M in Q2 2026, 3.4% above the same quarter a year earlier ($481.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 16 compared published fees sit above the Delaware median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Delaware medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $36, its standard fee, the highest of its prices
Monthly Maintenance
Compared at $10, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Delaware, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.6% from Q3 2025 to Q2 2026, to $497.8M. Its share of revenue, 7.7%, is above the 4.2% median for banks with over $250B in assets.
$497.8M
PNC Bank, National AssociationMedian
FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 15 banks with over $250B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $0 to $36; we compare the highest. Non-network ATM: Listed at $0 to $3; we compare the midpoint. Monthly maintenance: Listed at $0 to $25; we compare the midpoint.
PNC Bank, National Association · $609.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| PNC Bank, National Association(this institution) | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ally Bank | Sandy, UT | $188.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Express National Bank | Sandy, UT | $213.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BMO Bank National Association | Chicago, IL | $255B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Charles Schwab Bank, SSB | Westlake, TX | $250.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City National Bank | Los Angeles, CA | $99.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morgan Stanley Private Bank, National Association | Purchase, NY | $250.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Santander Bank, N.A. | Wilmington, DE | $104B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TD Bank, National Association | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Northern Trust Company | Chicago, IL | $178.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U.S. Bank National Association | Cincinnati, OH | $705.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| USAA Federal Savings Bank | Phoenix, AZ | $106.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Western Alliance Bank | Phoenix, AZ | $98.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $89B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its seven prices, against a peer median of $11 among 18 publishing peers.
Its seven checking prices are $0, $5, $7, $12, $13, $15 and $25.
$10 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for PNC Bank, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $497.8M | +$18.4M | +3.8% |
| Q1 2026 | $479.3M | −$6.0M | −1.2% |
| Q4 2025 | $485.3M | +$370K | +0.1% |
| Q3 2025 | $484.9M | +$3.7M | +0.8% |
| Q2 2025 | $481.2M | +$15.2M | +3.3% |
| Q1 2025 | $466.0M | +$8.9M | +1.9% |
| Q4 2024 | $457.1M | +$1.1M | +0.2% |
| Q3 2024 | $456.0M | +$12.5M | +2.8% |
Financial cohort: 18 banks with over $250B in assets filing for Q2 2026; 15 reported a share above 0% and are counted, PNC Bank, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to PNC Bank, National Association by share.
Amounts from PNC Bank, National Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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per month · Waived for: PNC employees, account holders age 62+, account holders under 25, or those with qualifying direct deposit
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per month · Waived for account holders age 62 or over
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per item · Per withdrawal, deposit, transfer or balance inquiry
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per item · Per withdrawal, deposit, transfer or balance inquiry
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Interest Checking (Limited Availability) Monthly Service Charge | $13Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived for: PNC employees, account holders age 62+, account holders under 25, or those with qualifying direct deposit |
| Performance Checking Monthly Service Charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Performance Select Checking Monthly Service Charge | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Standard Checking Monthly Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dual Statement Delivery of both Online Banking and Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement Only | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | Waived for account holders age 62 or over |
Overdraft & NSF | |||
| Overdraft Item and Returned Item Fee | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Item Fee | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer Fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| At PNC Bank and non-PNC Bank ATMs | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-PNC Bank ATM Fee (US, Canada, Puerto Rico, US Virgin Islands) | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | Per withdrawal, deposit, transfer or balance inquiry |
| At non-PNC Bank ATMs in all other countries | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| Non-PNC Bank ATM Fee (All Other Countries) | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | Per withdrawal, deposit, transfer or balance inquiry |
| Card Replacement | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Card Delivery | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| International Purchases and Cash Advances Fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire - Agent-Assisted Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire - Self-Service Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wires: Agent-Assisted Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wires: Self-Service Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wires: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wires: Agent-Assisted Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International Wires: Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Checks | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Checks: All other accounts | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Checks: Performance Checking | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: All other accounts | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $1.50Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Paper Statement with Check Images | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Redeposit of Returned Deposited or Cashed Item | No chargeBelow the U.S. middle 50% ($8.62 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where PNC Bank, National Association operates, and what regulators and customers have on file.
Branch footprint
2,401 offices in 28 states, $457.1B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 89 | $98.7B | |
| 126 | $33.8B | |
| 130 | $30.7B | |
| 119 | $19.5B | |
| 97 | $17.0B | |
| Outside a metro area | 180 | $16.4B |
| 82 | $15.2B | |
| 58 | $14.3B |
Pittsburgh, PA
47.2% of bank deposits, #1 of 48, up 5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| BNY Mellon, National Association | 12.4% |
| TriState Capital Bank | 10.7% |
| First National Bank of Pennsylvania | 5.5% |
| Citizens Bank, National Association | 4.9% |
| Dollar Bank, Federal Savings Bank | 3.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Pittsburgh, PA, PNC Bank, National Association holds 47.2% of bank deposits, #1 of 48, with 89 offices.
The fee comparison uses its home metro, Philadelphia-Camden-Wilmington, PA-NJ-DE-MD.
878 offices of 129 institutions shown.
Showing 878 of 879 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 48 institutions shown. $209.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 47.2% share, 89 offices, #1 of 48
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
208 offices of 92 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
3,201 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 1,128 |
| Problem with a lender or other company charging your account | 235 |
| Incorrect information on your report | 210 |
| Trouble during payment process | 190 |
| Closing an account | 185 |
| Problem caused by your funds being low | 178 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
9 past actions
Past (latest 5 of 9)
OCC, penalty $2.6M
Consumer Law; Flood Insurance
OCC, penalty $207K
Consumer Law; Flood Insurance
OCC, penalty $15.0M
Consumer Law; Lending Issues; Overdrafts; Unfair or Deceptive (UDAP)
OCC
Consumer Law; Third Party Risk Management; Unfair or Deceptive (UDAP)
OCC, penalty $2.0M
Consumer Law; Unfair or Deceptive (UDAP)
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
PNC FINANCIAL SERVICES GROUP, INC. (NYSE: PNC)
Consolidated assets
$616.0B
Shareholders' equity
$64.0B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 713676. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.