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 United States. 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 approximately 2,400 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.

	Citibank	PNC Bank
	Member FDIC
	Learn More	Learn More
	OFFER Citi Priority - Earn up to $2,000 Cash Bonus Read Citibank Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - 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. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.	4.65% APY
CD
Checking	Citi Priority
Money Market
Customer Service	24/7 Live Customer Service (Telephone)
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.
IRA CD
IRA Money Market
Locations	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	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
	Learn More	Learn More
		Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet Checking Pro - $200 Bonus Virtual Wallet with Performance Spend Checking - $200 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 12/05/2023. 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 12/05/2023 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 - Earn up to $2,000 Cash Bonus

Learn More

Expires 1/9/2024

Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
New to Relationship customers can choose their Relationship Tier.
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 Balance Level at any point during the maintenance period, the bonus changes.
Bonus will be paid within 30 days after you successfully complete all required activities.
Restrictions apply.

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

Learn More

Expires 1/9/2024

Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day. New To Relationship customers can choose their Relationship Tier. 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 Balance Level at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities. Restrictions apply.

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

Citigold® - Earn up to $2,000 Bonus

Learn More

Expires 1/9/2024

Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day.
New to Relationship customers can choose their Relationship Tier.
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 Balance Level at any point during the maintenance period, the bonus changes.
Bonus will be paid within 30 days after you successfully complete all required activities.
Restrictions apply

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?

Open Citi Account

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

Citi Priority Account

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

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

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.