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. There are no service fees.

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

	Discover Bank	PNC Bank


	SPECIAL OFFER Discover Online Savings - $200 Cash Bonus - Learn More Read Discover Bank Review	SPECIAL OFFER High Yield Savings Account - 1.00% APY - Learn More Read PNC Bank Review
	Benefits and Features
Savings	1.50% APY	0.01% APY (0.02% APY - 0.03% APY Relationship rates)
CD	0.50% to 3.20% APY. Terms of 3 months to 10 years. $2,500 minimum	0.01% - 0.04% APY
Checking	Cashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details	Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
Money Market	1.40% APY under $100,000; 1.45% APY $100,000 or more. $2,500 minimum deposit.	0.02% APY
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	18,000 ATMs across 37 states and the District of Columbia
IRA CD	12-month CD APY of 2.30%. 24-month CD APY of 2.60%. 5-year CD APY of 3.20%.	0.01% - 0.03% APY
Locations	Online Only	2,300 PNC branches across 26 states.
	CreditDonkey® Reviews

Savings
Checking
Money Market
Customer Service
Mobile App
CD
Pros & Cons	Pros: High yield No fees 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 Line	Solid online bank with high APY rates and good customer service... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review

	Discover Online Savings - $200 Cash Bonus Discover Online Savings - $150 Cash Bonus Online Savings Account - Earn 1.50% APY	High Yield Savings Account - 1.00% APY Business Checking Account - $200 Bonus Business Checking Account - $500 Bonus
Discover Bank: Pricing information and data points from published website as of 07/12/2022 PNC Bank: Pricing information from published website as of 03/25/2022 based on 19899 zip code.

Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account (online, by phone or Discover App). Enter Offer Code CY622 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 09/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Get Deal

Expires 9/15/2022

Member FDIC

Discover Online Savings - $150 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account (online, by phone or Discover App). Enter Offer Code CY622 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

Get Deal

Expires 9/15/2022

Member FDIC

Online Savings Account - Earn 1.50% APY

Get Deal

No fees
No minimum opening deposit
No minimum balance required

Which is Better: Discover Bank 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 Discover Bank or Chase.

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

Articles on Discover Bank

Discover Savings Review

Discover offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

Discover Savings

Discover Bank online savings account offers a high interest rates and no monthly fees. But is it the right place for your money? Read on to find out, plus the best way to open an account.

Discover CD Review

Discover Bank's CD account offers high rates and no hidden fees. But is the term worth it? Read this review before you open a CD.

Discover Bank vs Marcus

Is Discover Bank a Good and Real Bank

Discover Bank promises great rates and no fees. But is it actually a good and safe bank? Find out if it is a real and legit bank.

Is Discover Savings Worth It

Looking for a better place to keep your money safe? Find out if a Discover Online Savings Account is worth it for you.

Discover Savings Bonus

You could earn $150 or $200 when you open a Discover Online Savings Account. Find out how to qualify for this Discover Bank promotion.

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.