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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 2,300 branches in 26 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
 Learn MoreLearn More
 

Citibank

PNC Bank

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

Read Citibank Review

SPECIAL OFFER
High Yield Savings Account - 3.50% APY - Learn More

Read PNC Bank Review

 

Benefits and Features

SavingsCitiĀ® 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
Check
0.01% - 0.03% APY
CheckingCiti Priority AccountVirtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
Money Market
Check
0.02% APY
Customer Service24/7 Live Customer Service (Telephone)
  • Mon-Fri 7:00 am - 10:00 pm (ET)
  • Sat & Sun 8:00 am - 5:00 pm (ET)
ATMsMore 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.18,000 ATMs across 37 states and the District of Columbia
IRA CD
Check
0.01% - 0.03% APY
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)2,300 PNC branches across 26 states.
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Money MarketStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • 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 LineLarge national bank best for high balance customers... Read full reviewEast Coast bank with advanced financial tools to help achieve goals... Read full review
 Learn MoreLearn More

    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 09/15/2021. 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 03/25/2022 based on 19899 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.

    Citibank

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

    Expires 1/9/2023
    • 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.
    Citibank

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

    Expires 1/9/2023

    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 LevelsMaximum 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?

    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

    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 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.

    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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