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PNC Bank vs Citizens Bank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Citizens Bank? 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 Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

 

PNC Bank

Citizens Bank

SPECIAL OFFER
Virtual Wallet with Performance Select Checking - $400 Cash Bonus - Learn More

Read PNC Bank Review

SPECIAL OFFER
Personal Checking Account - $250 Bonus - Learn More

Read Citizens Bank 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.Several types of Savings accounts. 0.01% - 0.02% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
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.Several types of CD accounts. Terms ranging from 10 - 25 months. 0.03% - 0.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
CheckingVirtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select 
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.Several types of Money Market accounts. 0.01% - 0.03% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Customer Service
  • Mon-Fri 7:00 am - 10:00 pm (ET)
  • Sat & Sun 8:00 am - 5:00 pm (ET)
24/7 Telephone Customer Service
ATMs18,000 ATMs across 37 states and the District of Columbia.More than 3100 ATMs across 11 states.
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.Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations2,300 PNC branches across 26 states.Approximately 1,018 branches across the country
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
CDStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY
Pros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Bottom LineEast Coast bank with advanced financial tools to help achieve goals... Read full reviewEast Coast bank with solid deposit products to help meet goals... Read full review

Personal Checking Account - $250 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 10/24/2021 based on 19899 zip code.

Citizens Bank: Pricing information from published website as of 10/16/2021 based on 10011 zip code.

Which is Better: PNC Bank or Citizens 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: PNC Bank's mobile app is worth mentioning. Citizens Bank's savings and customer service are worth mentioning. In particular, the customer service is impressive.


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 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 Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Which Do You Think is Best?





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