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HSBC Bank vs PNC Bank

HSBC Bank is a large full-service global bank. How does it compare to PNC Bank? Read our comparison chart below.

HSBC Bank is a large multi-national bank and offers several checking accounts for different needs. HSBC Direct is the online banking operation and offers high interest savings for just $1 minimum deposit with 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 HSBC Bank with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 HSBC Bank
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HSBC Bank

PNC Bank

SPECIAL OFFER
HSBC Advance Checking - $350 Bonus - Learn More

Read HSBC Bank Review

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

Read PNC Bank Review

 

Benefits and Features

SavingsHSBC Direct Savings: 2.20% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.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; 2.35% APY High Yield Savings. No minimum balance. No minimum deposit. $0 Monthly charge. Minimum balance to earn interest is $1.00.
CD0.75% to 1.30% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.95%. Minimum deposit of $1,000 to open.0.04% - 1.55% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
CheckingBasic Banking: no minimum requirements; $3 monthly service fee
Choice Checking: $15 monthly service fee waived if you set up direct deposit OR maintain a minimum monthly balance of $1,500
Advance Checking: $25 monthly service fee waived if you maintain a minimum monthly balance of $10,000 in combined HSBC deposit and investment accounts.
Premier Checking: $50 monthly service fee waived if you maintain a minimum monthly balance of $75,000 in combined HSBC deposit and investment accounts.
 
Money Market 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)
ATMsAny HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
9000 ATMs across 19 states
IRA CD 0.04% - 1.55% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
LocationsHSBC - 240+ branches, mostly on the West and East coasts
HSBC Direct - online only
2,600 PNC branches across 19 states.
 

CreditDonkey® Reviews

 HSBC Bank
Savings
Checking
Customer Service
CD
Money Market
Mobile App
Pros & ConsPros:
  • Global presence
  • High online savings APY
Cons:
  • Not in every state
Pros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY
Bottom LineLarge full-service global bank... Read full reviewEast Coast bank with advanced financial tools to help achieve goals... Read full review
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What Others View

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

    HSBC Bank: Information including rates, fees, terms, and benefits was obtained on July 17, 2019 from published websites and is believed to be accurate, but not guaranteed.

    PNC Bank: Pricing information from published website as of 08/14/2019 based on 19899 zip code.

    Which is Better: HSBC 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 HSBC Bank or Chase.

    In short: HSBC Bank's savings and checking are impressive.


    Articles on HSBC Bank

      HSBC Bank Review

      HSBC Bank offers a full array of services for different needs, including a high-yield online savings and several checking options. But there are downsides. Read on for the pros and cons.

      HSBC Online Savings

      Are you tired of abysmal interest rates on your savings accounts? Maybe you've even abandoned the thought of a savings account because it just doesn't seem worth it anymore.

      HSBC Advance Checking

      Are you tired of not earning interest on your checking account? Maybe you want more than just check writing privileges in exchange for depositing your money. HSBC Advance Checking may make you look at banks in a different light.

      HSBC Premier Checking

      Are you looking for a checking account that does more than allow you to write checks? If you are a high net worth individual, the HSBC Premier Checking account may be what you need. This top-of-the-line checking account offers access to a personal Relationship Manager.

    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.

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