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KeyBank vs PNC Bank

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to PNC Bank? Read our comparison chart below.

KeyBank has over 1,200 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

While PNC Bank has 2,300+ branches in 29 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 KeyBank with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 KeyBank
Member FDIC
 Visit SiteLearn More
 

KeyBank

PNC Bank

SPECIAL OFFER
Key Select Checking® - $200 Bonus - Learn More

Read KeyBank Review

SPECIAL OFFER
Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More

Read PNC Bank Review

 

Benefits and Features

Savings0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account).Up to 4.65% APY. Only available in eligible markets.
CDStandard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.0.01% to 5.05% APY. Terms of 7 days to 10 years.
Checking 
  • 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*
Money Market2.92% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account.Up to 4.00% APY. Only available in eligible markets.
Mobile App 
iOS & Android
ATMsMore than 40,000 KeyBank and Allpoint ATMs nationwideApproximately 60,000 PNC and partner ATMs
Customer ServiceTelephone Service available 24/7
  • 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
LocationsMore than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
approximately 2,300+ locations
 

CreditDonkey® Reviews

 KeyBank
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarHalf StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarHalf StarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • Key Financial Wellness Review tool
  • Free checking option
  • 24/7 customer service
Cons:
  • Limited branches
  • High account fees
Pros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY on some savings accounts
Bottom LineBank with a variety of deposit products and great financial tools... 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.

KeyBank: Pricing information from published website as of 06/14/2024 based on 44114 zip code.

PNC Bank: Pricing information from published website as of 05/14/2024 based on 91107 zip code.

KeyBank
Member FDIC

Key Select Checking® - $200 Bonus

Expires 7/19/2024
Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.

  • Open a Key Select Checking® account online by July 19, 2024.
  • Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
  • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.

KeyBank
Member FDIC

Key Smart Checking® - $200 Bonus

Expires 7/19/2024
Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.

  • Open a Key Smart Checking® account online by July 19, 2024.
  • Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
  • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

Which is Better: KeyBank 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 KeyBank or Chase.

In short: KeyBank's cd is noteworthy. PNC Bank's money market is worth mentioning.


Articles on KeyBank

KeyBank Review

Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

Key Bank Routing Number

Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.

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.

PNC Savings Account Interest Rate

Looking for a well-known bank with good savings rates? Check out these savings accounts from PNC Bank.

PNC High Yield Savings

PNC's High Yield Savings account features a strong APY with no required balance. Sounds too good to be true, right? Read on to know all the details.

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 Bank 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?





Which Bank Account is Right for You?


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