Citibank vs PNC Bank

Citibank is a large national bank best for high balance customers. How does it compare to PNC Bank? Read our comparison chart below.

Citibank has over 700 branches across the U.S. Accounts must be opened as a checking & savings package. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

While PNC Bank has 2,600 branches in 28 states mostly on 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 Citibank with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

		PNC BankChaseUS BankTD BankFifth Third Bank
	Citibank	PNC Bank
	OFFER Citi Priority Account - Earn up to $2,000 Cash Bonus Read Citibank Review	SPECIAL OFFER High Yield Savings Account - 4.00% APY - Learn More Read PNC Bank Review
	Benefits and Features
Savings	Citi® Accelerate High-Yield Savings available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.	0.01% APY (0.02% APY - 0.03% APY Relationship rates)
CD		0.01% - 0.03% APY
Checking	Citi Priority Account	Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
Money Market		1.00% - 1.75% APY
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Fri 7:00 am - 10:00 pm (ET) Sat & Sun 8:00 am - 5:00 pm (ET)
ATMs	More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.	60,000 ATMs across 28 states and the District of Columbia
IRA CD		0.01% - 0.03% APY
IRA Money Market
Locations	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)	2,600 PNC branches across 28 states.
	CreditDonkey® Reviews
Savings
CD
Checking
Customer Service
Mobile App
Money Market
Pros & Cons	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY
Bottom Line	Large national bank best for high balance customers... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
		High Yield Savings Account - 4.00% APY Business Checking Account - $200 Bonus Business Checking Account - $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citibank: Pricing information from published website as of 01/31/2023. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi. PNC Bank: Pricing information from published website as of 02/01/2023 based on 91107 zip code. Citibank: This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires in 3 days

• Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
• Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
• Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
• Bonus will be paid within 30 days after you successfully complete all required activities.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires in 3 days

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

Balance Levels	Maximum Bonus
$10,000 - $29,999	$200
$30,000 - $74,999	$500
$75,000 - $199,999	$1,000
$200,000 - $299,999	$1,500
$300,000 and above	$2,000

Which is Better: Citibank 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 Citibank or Chase.

In short: PNC Bank's checking is worth mentioning.

Articles on Citibank

Citibank

Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

• Citibank vs Chase
• Citibank vs Bank of America
• Citibank vs Wells Fargo

Open Citi Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

• Citibank vs US Bank
• Citibank vs Capital One
• Citibank vs Citizens Bank

Citi Priority Account

Earn up to $2,000 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

• Citibank vs TD Bank
• Citibank vs HSBC
• Citibank vs Ally Bank

Citibank High Yield Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

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.

• PNC Bank vs Fifth Third Bank

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.

PNC Bank Hours

PNC Bank is open 5-6 days a week, depending on the location. Here's when you can visit a branch near you.

PNC Routing Number

Using the wrong routing number could send your money to the wrong place. Find the right PNC routing number for your transactions.

Which Do You Think is Best?

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