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No, a PAN card will not be automatically linked to a bank account. You need to link your PAN number with your bank account when you open a new one or later via the bank's net banking portal.
You can link your PAN card with your bank account online by logging into your bank's net banking portal or mobile banking app.
Yes, you must link both accounts with your PAN card, even if they're in the same bank. Linking your PAN card with your bank account helps you in conducting various financial transactions, like opening a fixed deposit account, depositing more than Rs. 50,000, preventing higher TDS deductions, and more.
You can check which bank account is linked to your PAN number by logging into the income tax e-filing portal and checking the banking account number mentioned under the 'Profile' section.
A PAN card is not always mandatory to open a bank account. You can submit any government-recognised identity and address proof document to open a bank account.