In Pennsylvania, is a wife's 401k and bank account in and retirement plan have to be split with husband in divorce?

As long as it was acquired during the marriage it is marital property. As far as being "split", PA is an equitable distribution state. The court can decide to divide 70/30, 60/40, 50/50, whatever it deems to be fair. The court could decide to let the person keep the entire balance or equally, to give the entire balance to the other party. It depends on all the factors in the equitable distribution statute. Contact a lawyer for more specific information regarding your case.