Current vs PNC Bank

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to PNC Bank? Read our comparison chart below.

Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.

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

	Current	PNC Bank

	Visit Site	Learn More
	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000	Up to 3.53% APY. Only available in eligible markets.
CD		0.01% to 3.65% APY. Terms of 7 days to 10 years.
Checking	Earn up to 15x points on purchases at participating merchants	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*
Monthly Fee	$0
Kids Debit Card
Money Market		Up to 0.05% APY. Only available in eligible markets.
Minimum Deposit to Open	$0
Mobile App	iOS & Android	iOS & Android
ATMs	Free access to 40,000+ Allpoint ATMs	approximately 60,000 PNC and partner ATMs
Customer Service		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		2,200+ locations
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
CD
Money Market
Pros & Cons	Pros: High savings rate Up to 15x cash back at 14k stores Ability to deposit cash Cons: No web platform Email-based support only Requires direct deposit to earn the boosted bonus	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	Simple, digital-only banking app with impressive bonus and cashback... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
	Visit Site	Learn More
	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet Checking - $100 Bonus High Yield Savings Account - 3.53% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. PNC Bank: Pricing information from published website as of 12/04/2025 based on 91107 zip code.

Build Credit While You Bank

Get Paid Up to 2 Days Faster
Build credit and earn points with every swipe
40,000 fee-free Allpoint ATMs in the U.S.
No credit check, minimum balance or hidden fees

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Current Savings - Up to 4.00% bonus

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4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
Simply add money to your Savings Pods and enable the Boost feature.
Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
Bonuses accumulate daily.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Fee-Free Overdraft up to $200 with Overdrive

Learn More

Which is Better: Current 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 Current or Bank of America.

In short: Current's savings and checking are worth mentioning. In particular, the checking is outstanding. PNC Bank's customer service is worth mentioning.