North One vs PNC Bank

North One is a good business banking features and tools with no monthly fees. How does it compare to PNC Bank? Read our comparison chart below.

North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

While PNC Bank has 2,200+ 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 North One with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	North One	PNC Bank

	Visit Site	Learn More
	SPECIAL OFFER North One Free Business Banking - Up to 2.50% APY - Learn More Read North One Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	Up to 3.95% APY. Only available in eligible markets.
CD		0.01% to 4.10% APY. Terms of 7 days to 10 years.
Checking	$0 monthly fee; no balance requirements	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
Money Market		Up to 0.05% APY. Only available in eligible markets.
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$50
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	approximately 60,000 PNC and partner ATMs
Balance Requirement	None
Cash Deposit Fee	up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	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
Incoming Wire Transfer Fee	$0 for domestic wires
Locations	Online only	2,600+ locations
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
CD
Money Market
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Cash deposit fee	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	Good business banking features and tools with no monthly fees... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
	Visit Site	Learn More
	North One Free Business Banking - Up to 2.50% APY North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 02/25/2025. PNC Bank: Pricing information from published website as of 05/07/2025 based on 91107 zip code.

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

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North One Plus Business Banking - Up to 3.00% APY

3.00% APY on balances up to $250,000 for eligible customers
Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: North One 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 North One or Novo.

In short: North One's customer service is outstanding.

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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.