CreditDonkey is a bank comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†





Discover Bank vs PNC Bank

Discover Bank is a solid online bank with high APY rates and good customer service. How does it compare to PNC Bank? Read our comparison chart below.

Discover Bank offers some of the highest interest rates on the market. CDs go up to 10-year terms and have a minimum deposit of $2,500. In addition, Discover offers checkback checking. There are no service fees.

While PNC Bank has 2,600 branches in 19 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 Discover Bank with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Discover Bank
 Visit SiteLearn More
 

Discover Bank

PNC Bank

SPECIAL OFFER
Online Savings Account - Earn 1.85% APY - Learn More

Read Discover Bank Review

SPECIAL OFFER
Virtual Wallet with Performance Select Checking - $300 Cash Bonus - Learn More

Read PNC Bank Review

 

Benefits and Features

Savings1.85% APY. No fees and no minimum deposit.0.01% APY (0.05% APY - 0.10% APY Relationship rates) minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account; 2.00% APY High Yield Savings. No minimum balance. No minimum deposit. $0 Monthly charge. Minimum balance to earn interest is $1.00.
CD0.35% to 2.40% APY. Terms of 3 months to 10 years. 12-month CD APY of 2.20%. Minimum deposit of $2,500 to open.0.04% - 1.00% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
CheckingEarn 1% cashback on up to $3,000 in debit card purchases each month. No fees and no minimum deposit. 
Money Market1.70% APY under $100,000; 1.76% APY $100,000 or more. No fees. $2,500 minimum deposit.0.02% - 0.16% APY. Minimum deposit is $100. Maximum deposit is $10,000. Monthly service charge of $12 unless you have $5,000 average monthly balance.
Customer Service
24/7
Mon-Fri 7:00 am - 10:00 pm, (ET)
Sat & Sun 8:00 am - 5:00 pm (ET)
ATMs
Over 60,000 no-fee ATMs
15,000 ATMs across 37 states and the District of Columbia.
IRA CD12-month CD APY of 2.20%. 24-month CD APY of 2.25%. 5-year CD APY of 2.30%.0.04% - 1.00% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
Locations
Online Only
2,400 PNC branches across 20 states.
 

CreditDonkey® Reviews

 Discover Bank
Savings
Checking
Money Market
Customer Service
Mobile App
CD
Pros & ConsPros:
  • High yield
  • Cashback checking
  • 24/7 customer service
Cons:
  • No interest checking
  • $2,500 minimum deposit for CDs
Pros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY
Bottom LineSolid online bank with high APY rates and good customer service... Read full reviewEast Coast bank with advanced financial tools to help achieve goals... Read full review
 Visit SiteLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Discover Bank: Pricing information from published website as of 10/17/2019

PNC Bank: Pricing information from published website as of 10/19/2019 based on 19899 zip code.

Which is Better: Discover Bank or PNC Bank?

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

In short: Discover Bank's savings, money market, and customer service are worth mentioning. In particular, the money market and customer service are outstanding.


Articles on Discover Bank


Articles on PNC Bank

    PNC Bank

    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 Routing Number

    Using the wrong routing number could send your money to the wrong place. Keep reading to find the right PNC routing number for all your transactions.

Which Do You Think is Best?

Name
Email (won't be published)


You Might Also Like


Compare Discover Bank to:


You might also be interested in

Union Bank Routing Number

What is the routing number for Union Bank? Read on to find out.

Compare PNC Bank to:


Next Page:

About CreditDonkey®
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.