We offer competitive rates and no transaction fees. In most cases, your foreign currency order can be delivered to your branch within 24 to 48 hours.
Instant Debit Card Availability
Receive a replacement or new debit card immediately and start using it right away, rather than waiting for one to arrive by mail. Ideal if your debit card is lost, stolen or damaged.
Discover savings solutions tailored to help you achieve your financial goals with competitive rates and flexible options.
Reviews
3.1
56 reviews
5 stars
27
4 stars
1
3 stars
2
2 stars
5
1 star
21
BG
Bonita Gonzales
Oct 5, 2026
2.0
The slowest bank I’ve ever experienced, and I used to bank at Walmart. The drive through is like going through a pharmacy line. I once received someone else’s tube and had to send it back up.
I will say I had my dog with me once and they sent him down a treat, so I gave an extra star for that. Would recommend giving this bank plenty of time if you are running errands, don’t come if in a hurry.
VB
vik Berkeley
Aug 30, 2026
1.0
Strange, but true and...gross: Bailey took me over to her little cubicle as it was my first time there and I had an inquiry about an LLC account.
Shockingly right in front of me she took a can of spray deodorant lifted up her shirt and sprayed each armpit with deodorant.
No, she didn't flash me; she just lifted out her shirt rather and put the can of deodorant up under each arm as if it was a common occurrence or maybe it was her body language showing her inaccurate impression of me.
Now, let me rewind about 3 minutes before that: it was my first time into the PNC Bank in Waco more than 10 years.
I never had thought twice about that bank.
As I entered the bank, one of the tellers asked if they could help me and I said I'm interested in opening up the business account with my LLC.
They said oh you need to talk to one of the account specialist and they're over there.
So right around the corner from the tellers were three people and then a fourth person who happened to be Bailey.
I stood there for several minutes without being acknowledged.
I was probably 15 ft from them and they were all laughing and cackling and telling jokes and when they got done and started to part their ways, they looked around and asked if they could help me.
Bailey was the one that came over to me however instead of acting like a normal person and standing in front of me she kept walking past me to the right making me turn.
I don't know if I'm making that clear but you're having a conversation with somebody typically they would be right in front of you so you can talk to them but she went past me to the point I couldn't see her and I had to turn my head finally had to turn towards her and I mentioned I was getting a quick in my neck jokingly...
Then the deodorant aerosol can under the shirt armpit thing happened.
If the owner is hiring people like this who are actually being recorded and is okay with them behaving in this abhorrent gross manner with new potential customers of the bank, what other horrible disgusting behind the scenes things are going on at PNC?
CW
Chris Wells
Jul 6, 2026
2.0
Lady at the Valley Mills location that is supposed to answer the phone, terrible. When she does finally answer the phone it’s like talking to a wall with a couple barely useful signs on it mostly diverting you to a different information source. In this case you might as well just go full AI cause it would have been at least as helpful if not more and it wouldn’t cost you as much as the fast food employee that you’re trying to pass as a secretary or god forbid a bank teller, i hope not. You’re welcome for the new business model.
CM
Christina McCutchen
Jun 1, 2026
5.0
Everyone has nice and respectful
BS
Blake Seidler
Apr 24, 2026
5.0
I had the pleasure of meeting Mr. Lamar Lee for a wrong charge on my account and he made it so simple! I’m so happy banking with them! I’ve had an account with them for awhile, but the genuine caring will make me spread the word to only be with PNC, but it started with Mr. Lee. Thank you so much!!!
What are the regular business hours of PNC Bank at 1227 N Valley Mills Dr, Waco?
PNC Bank is open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 1:00 PM. It is closed on Sundays.
Does PNC Bank offer drive-through banking services at this location?
No, the PNC Bank location at 1227 N Valley Mills Dr does not offer drive-through services.
Which banking products and services are available at PNC Bank in Waco?
PNC Bank offers Checking, Savings, Online Banking, Bill Pay, Credit Cards, Auto Loans, Home Equity, Mortgage, and Investments.
Can I schedule an appointment with PNC Bank online?
Yes, you can schedule an appointment online via PNC's appointment setting page or the PNC mobile banking app.
What languages are supported at the PNC Bank branch in Waco?
The PNC Bank in Waco supports services in English and Spanish.
Does this PNC Bank location provide instant debit card availability?
Yes, instant debit card availability is one of the services offered at this PNC Bank location.
Is PNC Bank wheelchair accessible at the Waco, TX location?
Yes, this PNC Bank branch has a wheelchair accessible entrance and parking.
What notable nearby legal services are close to PNC Bank at 1227 N Valley Mills Dr?
Nearby legal services include Schleicher Law Firm PLLC, Thompson Law, and Cotton, Castano & Richardson. These firms can provide legal assistance and are convenient options for customers visiting PNC Bank who may need legal advice.
Are there other banks close to the PNC Bank branch in Waco?
Yes, Compass Bank is located nearby and offers banking and investing services, which might be useful if you want to compare banking options or need additional financial services.
What community or social services are located near PNC Bank in Waco?
United Way of Waco-McLennan County is a nearby social service organization, offering community support and resources that you might find helpful before or after your visit to PNC Bank.
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