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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 2,600 branches in 19 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
High Yield Savings Account - 0.65% APY - Learn More

Read PNC Bank Review

SPECIAL OFFER
Personal Checking Account - $300 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% - 0.04% 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 11 - 24 months. 0.05% - 0.20% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
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% - 0.05% 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 ServiceMon-Fri 7:00 am - 10:00 pm, (ET)
Sat & Sun 8:00 am - 5:00 pm (ET)
24/7 Telephone Customer Service
ATMs15,000 ATMs across 37 states and the District of Columbia.More than 3100 ATMs across 11 states.
IRA CD0.01% - 0.04% 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.
Locations2,400 PNC branches across 20 states.Approximately 1,018 branches across the country
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
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

PNC Bank: Pricing information from published website as of 11/24/2020 based on 19899 zip code.

Citizens Bank: Pricing information from published website as of 11/24/2020 based on 10011 zip code.

Which is Better: PNC Bank or Citizens Bank?

Still need help deciding which bank 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


Articles on Citizens Bank


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