Chase vs PNC Bank

Chase is a national bank with good promotions for new customers. How does it compare to PNC Bank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While PNC Bank has 2,200+ branches in 27 states plus D.C. mostly in the East. Checking accounts offer a unique Virtual Wallet feature with financial tools to help achieve goals. Account fees are easily waived by meeting account balance or direct deposit requirements.

Compare Chase with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	PNC Bank
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	Up to 3.85% APY. Only available in eligible markets.
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	0.01% to 3.90% APY. Terms of 7 days to 10 years.
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.	Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old. Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits. Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments. Select Markets Only*
Money Market		Up to 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	approximately 60,000 PNC and partner ATMs
Customer Service	Automated service available 24/7	Personal Credit Cards: Automated account information is available 24/7 Other products & services: Monday - Friday: 8:00 a.m. - 9:00 p.m. ET Saturday - Sunday: 8:00 a.m. - 5:00 p.m. ET
Locations	Over 4,700	2,200+ locations
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	National bank with good promotions for new customers... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
	Chase First Banking Referral Program - Up to $500 Bonus	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025. PNC Bank: Pricing information from published website as of 09/24/2025 based on 91107 zip code.

Which is Better: Chase or PNC Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

Articles on Chase

Is Chase a Good Bank

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Open Chase Bank Account

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Chase vs Discover Bank

Chase Business Checking Bonus

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.

Chase Business Complete Banking Review

Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.

How to Open a Chase Business Bank Account

Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

Chase Routing Number

What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

Chase Private Client vs Sapphire Banking

What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.

Chase $600 Bonus

Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.

Does Chase Have a High Yield Savings

Curious if Chase offers a high-yield savings account? Read on to find out.

Chase Savings Account Interest Rate

Looking to open a savings account with Chase? Check out the current rates being offered.

Articles on PNC Bank

PNC Bank Review

PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you.

Who Owns PNC Bank

Who calls the shots at PNC Bank? It might seem a simple question, but the answers reveal a complex web of subsidiaries and financial powerhouses.

PNC Savings Account Interest Rate

Looking for a well-known bank with good savings rates? Check out these savings accounts from PNC Bank.

PNC High Yield Savings

PNC's High Yield Savings account features a strong APY with no required balance. Sounds too good to be true, right? Read on to know all the details.

How to Close a PNC Account

Closing a bank account can be a pain. It's easy to make a mistake. Find out how to properly close your PNC account online, over the phone, or at a branch.