PNC Bank vs Capital One

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

PNC Bank has 2,600 branches in 28 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.

While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

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

	PNC Bank	Capital One
	SPECIAL OFFER High Yield Savings Account - 4.00% APY - Learn More Read PNC Bank Review	SPECIAL OFFER 360 Checking Account - Learn More Read Capital One Review
	Benefits and Features
Savings	0.01% APY (0.02% APY - 0.03% APY Relationship rates)	3.30% APY
CD	0.01% - 0.03% APY	3.30% to 4.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.15%
Checking	Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select	0.10% APY
Money Market	0.02% APY
Customer Service	Mon-Fri 7:00 am - 10:00 pm (ET) Sat & Sun 8:00 am - 5:00 pm (ET)	Mon-Sun: 8am - 11pm (ET)
ATMs	60,000 ATMs across 28 states and the District of Columbia	Over 70,000 no-fee Capital One & Allpoint ATMs
IRA CD	0.01% - 0.03% APY
Locations	2,600 PNC branches across 28 states.	Online Only
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Good online bank with access to in-person support... Read full review
	High Yield Savings Account - 4.00% APY Business Checking Account - $200 Bonus Business Checking Account - $500 Bonus	360 Checking Account 360 Performance Savings - 3.30% APY Basic Business Checking
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 01/23/2023 based on 19899 zip code. Capital One: Pricing information from published website as of 01/25/2023.

Which is Better: PNC Bank or Capital One?

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: Capital One's checking is outstanding.

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.

• PNC Bank vs Chase
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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.

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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 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 Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

• Capital One vs Discover Bank

Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Which Do You Think is Best?

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