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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 2,300 branches in 26 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
Virtual Wallet with Performance Select Checking - $400 Cash Bonus - Learn More

Read PNC Bank Review

SPECIAL OFFER
Personal Checking Account - $100 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings0.01% APY (0.02% APY - 0.03% 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.
0.40% APY
CD0.01% - 0.03% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%
CheckingVirtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
0.10% APY
Money Market0.02% 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
  • Mon-Fri 7:00 am - 10:00 pm (ET)
  • Sat & Sun 8:00 am - 5:00 pm (ET)
Mon-Sun: 8am - 11pm (ET)
ATMs18,000 ATMs across 37 states and the District of Columbia.Over 40,000 no-fee Capital One & Allpoint ATMs
IRA CD0.01% - 0.03% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 6 months to 10 years.0.10% to 0.80% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.
Locations2,300 PNC branches across 26 states.
Online Only
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarStar
Money MarketStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • 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 LineEast Coast bank with advanced financial tools to help achieve goals... Read full reviewGood online bank with access to in-person support... Read full review

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 10/24/2021 based on 19899 zip code.

Capital One: Pricing information from published website as of 10/16/2021.

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 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 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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