PNC Bank vs Citibank

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

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.

While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

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

	PNC Bank	Citibank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	Up to 3.95% APY. Only available in eligible markets.	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	0.01% to 4.10% APY. Terms of 7 days to 10 years.	9-Month Fixed Rate CD - 4.15% APY 6-Month Fixed Rate CD - 3.00% APY 1-Year Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY
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 Market	Up to 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
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	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	2,600+ locations	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
	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: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Large national bank best for high balance customers... Read full review
	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. PNC Bank: Pricing information from published website as of 04/15/2025 based on 91107 zip code. Citibank: Pricing information from published website as of 04/18/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Which is Better: PNC Bank or Citibank?

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: PNC Bank's checking is worth mentioning.

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 Wells Fargo

Who Owns PNC Bank

Who calls the shots at PNC Bank? It might seem a simple question, but the answers reveal a complex web of subsidiaries and financial powerhouses.

• PNC Bank vs U.S. 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 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 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 Citibank

Citibank

Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

• Citibank vs HSBC

Citibank Open Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank High Yield Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

Which Do You Think is Best?

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