Bank Index
PNC Financial Services
Commercial bank · Pittsburgh, United States
PNC is a Pittsburgh commercial bank with $616 billion in assets and 55,333 employees that added 95 FirstBank branches in Colorado and Arizona in 2026. Small-business checking costs $12 a month (waived at a $500 balance), Business Checking Plus $22 and the Treasury Enterprise Plan $50. Corporate clients use the PINACLE portal, multicurrency accounts, open APIs and a full-service Canadian branch in Toronto; a UK unit lends 10 million to 150 million pounds on an asset-based basis. Since December 2025 Private Bank clients can buy and hold bitcoin through Coinbase custody. CET1 stood at 9.9% at 30 June 2026 and Moody's rates PNC Bank deposits Aa3.
- Legal name
- The PNC Financial Services Group, Inc.
- Regulated by
- Federal Reserve (US), OCC (US), CFPB (US), OSFI (Canada branch)
- Licence confirmed
- yes, on a regulator's own list
- Established
- 1845
- Website
- www.pnc.com
Scores, 0 to 10
7.5United States
PNC Bank N.A. holds $449.8 billion in deposits with a branch network that grew by 95 FirstBank locations in 2026, and business checking is opened online. · source
7.5Financial strength & stability
PNC Bank N.A. is rated A2 by Moody's, A by S&P and A+ by Fitch with stable outlooks, while CET1 was 9.9% at 30 June 2026. · source
7.0Business cards (Visa, Mastercard)
PNC Cash Rewards Visa Signature Business has no annual fee and employee cards can be added at no cost. · source
6.5On-ramp: buy crypto with fiat
Under the July 2025 partnership PNC provides banking services to Coinbase itself, and private bank clients buy bitcoin with cash from their PNC accounts without a separate exchange account, though ordinary business clients get no in-account purchase. · source
6.0Cross-border payments, FX and multi-currency accounts
Multicurrency accounts and PINACLE international services cover foreign-currency wires and FX, though the number of currencies and margins are not published. PINACLE corporate online banking, multicurrency accounts, multibank reporting and open APIs on developer.pnc.com serve US and Canadian treasury needs. · source
6.0Off-ramp: crypto to fiat in a business account
Bitcoin sold through the private bank platform settles back to PNC accounts and PNC banks Coinbase, but no published source-of-funds process for companies receiving proceeds from other exchanges was found. · source
5.5Fast digital onboarding
Business checking can be applied for online in PNC's footprint, with fee waivers tied to linked cards or merchant accounts. · source
5.5Trade, manufacturing & import-export
International trade services cover letters of credit and the Canadian branch issues letters of credit and CAD or USD revolvers. · source
5.0Canada
PNC Bank Canada Branch is an OSFI-regulated full-service foreign bank branch with offices in Toronto, Calgary, Montreal and Vancouver offering deposits, treasury management and CAD loans. · source
5.0Crypto-friendly bank
PNC partnered with Coinbase in July 2025 and launched direct bitcoin access for Private Bank clients in December 2025, but publishes no policy for onboarding crypto businesses. · source
5.0Online businesses: e-commerce and SaaS
Business checking fee waivers are tied to a PNC Merchant Account with $500 or more in monthly processing deposits, showing an in-house merchant services offer. PNC offers foreign currency payments through the PINACLE portal for corporates but its small-business pages list no accounting or API integrations. · source
5.0Bitcoin
Eligible private bank clients can buy, hold and sell spot bitcoin in their PNC accounts since 9 December 2025, but transfers in or out are not offered and the service is not open to general business clients. · source
4.5Lowest fees
Business Checking costs $12 a month unless a $500 average balance is kept; Business Checking Plus is $22 and the Treasury Enterprise Plan $50. · source
4.5Fintech companies that need a partner bank
Open banking APIs exist on developer.pnc.com, but no sponsor-bank or safeguarding program for payment firms is published. · source
4.0Best interest on business balances
Business Interest Checking carries a $25 monthly fee waived at $5,000, and no business yield above 1% is published on the fee page. · source
4.0Startups & VC-backed companies
Startups are served through standard business checking and treasury tiers; no dedicated venture or startup banking unit is published. · source
4.0Crypto wallet and custody for a business
Since December 2025 eligible PNC Private Bank clients, including family offices and business owners, can hold bitcoin in their online banking, but Coinbase runs custody, execution and compliance behind the scenes and PNC's ordinary business accounts have no crypto wallet. · source
3.5Foreign-owned & non-resident companies
PNC's small-business pages publish no non-resident onboarding path; opening is tied to its U.S. branch footprint. · source
3.5High-risk verticals (iGaming, cannabis, adult, forex)
PNC publishes no prohibited-industries list on its small-business pages. · source
3.5Ethereum
The direct Coinbase-powered service is limited to bitcoin; ether exposure is available only through regulated investment vehicles in PNC wealth management accounts, checked September 2026. · source
3.0United Kingdom
PNC Business Credit UK provides senior secured loans of 10 million to 150 million pounds but offers no UK accounts or payment rails. · source
2.0Stablecoins (USDC, USDT and others)
PNC is one of 21 institutions that plan a jointly owned USD stablecoin company, with launch aimed at the first half of 2027, and offers no stablecoin service today. · source
1.5Customer satisfaction
Trustpilot score 1.3 from 2,249 reviews with 88% one-star ratings. · source
1.0Accept crypto payments
PNC's crypto offering covers private bank bitcoin trading and wealth-account crypto ETFs, and no merchant crypto acceptance product was found, checked September 2026. · source
Sources
- PNC reports second quarter 2026 net income of $2.1 billion
- PNC credit ratings (investor relations)
- PNC: ways to avoid monthly account maintenance fees
- PNC first major bank to launch direct bitcoin access (Dec 2025)
- PNC Bank expands commercial banking services in Canada (OSFI branch)
- Moody's affirms PNC, outlook stable (Oct 2025)
- Trustpilot: PNC Bank
- Wikipedia: PNC Financial Services
Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.