PNC Bank vs BMO Bank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to BMO Bank? Read our comparison chart below.

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.

While BMO Bank has over 900 branches and is the 8th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 minimum opening deposit.

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

	PNC BankChaseBank of AmericaUS BankFifth Third Bank	Member FDIC
	Learn More	Visit Site
	PNC Bank	BMO Bank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	SPECIAL OFFER BMO Checking Accounts - Earn up to $600 - Learn More Read BMO Bank Review
	Benefits and Features
Savings	Up to 4.45% APY. Only available in eligible markets.	0.01% APY. $5 reward every month you save $200 or more, for the first year.
CD	0.01% to 4.55% APY. Terms of 7 days to 10 years.	0.05% - 4.30% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
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*	Smart Advantage, Smart Money, Relationship
Money Market	Up to 0.05% APY. Only available in eligible markets.	1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
Mobile App	iOS & Android
ATMs	Approximately 60,000 PNC and partner ATMs	40,000+ BMO and Allpoint ATMs
Customer Service	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	Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm
IRA CD		0.05% - 2.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Money Market		IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
Locations	approximately 2,300+ locations	981 branches
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Midwest bank with options for low and high-balance customers... Read full review
	Learn More	Visit Site
	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet Checking Pro - $200 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus	BMO Checking Accounts - Earn up to $600 BMO Smart Advantage Checking - Earn up to $350 Savings Account - Up to $60 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. PNC Bank: Pricing information from published website as of 10/02/2024 based on 91107 zip code. BMO Bank: Pricing information from published website as of 09/27/2024 based on 60603 zip code.

Member FDIC

BMO Checking Accounts - Earn up to $600

Earn up to $600 with qualifying activities. Conditions Apply. BMO Bank N.A. Member FDIC

Get either a $250 or $500 cash bonus when you open a new checking account and complete qualifying activities between 9/10/24 and 10/31/24. Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.

Get Deal

Expires 10/31/2024

Member FDIC

BMO Smart Advantage Checking - Earn up to $350

Earn up to $350 with qualifying activities. Conditions Apply. BMO Bank N.A. Member FDIC

Earn a $250 cash bonus when you open a new checking account and complete qualifying activities between 9/10/24 and 10/31/24. Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.

Get Deal

Expires 10/31/2024

Member FDIC

BMO Smart Advantage Checking

• No minimum balance required
• Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
• No monthly fees with paperless statements

Learn More

Which is Better: PNC Bank or BMO Bank?

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

In short: BMO Bank's cd is notable.

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 Bank vs Chase
• PNC Bank vs Bank of America
• PNC Bank vs US Bank

PNC Savings Account Interest Rate

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

• PNC Bank vs Fifth Third 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.

Articles on BMO Bank

BMO Bank Review

BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.

• BMO Bank vs Capital One
• BMO Bank vs Wells Fargo

BMO Routing Number

If you have a BMO Bank account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.

Is BMO an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.

BMO Relationship Minimum Balance

Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.

Is BMO a Good Bank

Is BMO a good choice for your banking needs? Find out here.

Is BMO a Safe Bank

Wondering about the security of your funds with BMO Bank? They have a Financial Crimes Unit backing you up, for one. Read on for more details.

What is BMO Bank

BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.

BMO Smart Advantage vs Smart Money

BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.

Is BMO a Real Bank

BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? Read on to find out.

Which Do You Think is Best?

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