PNC Bank vs KeyBank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to KeyBank? 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 KeyBank has over 1,000 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

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

	PNC BankChaseBank of AmericaWells FargoU.S. Bank	Member FDIC
	Learn More	Visit Site
	PNC Bank	KeyBank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	SPECIAL OFFER Key Smart Checking® - $300 Bonus - Learn More Read KeyBank Review
	Benefits and Features
Savings	Up to 3.95% APY. Only available in eligible markets.	0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account).
CD	0.01% to 4.10% APY. Terms of 7 days to 10 years.	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.
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.	2.02% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account.
Mobile App	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	40,000+ KeyBank and Allpoint ATMs nationwide
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	Telephone Service available 24/7
Locations	2,600+ locations	1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
	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: Key Financial Wellness Review tool Free checking option 24/7 customer service Cons: Limited branches High account fees
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Bank with a variety of deposit products and great financial tools... Read full review
	Learn More	Visit Site
	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus	Key Smart Checking® - $300 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. KeyBank: Pricing information from published website as of 04/20/2025 based on 44114 zip code.

Member FDIC

Key Smart Checking® - $300 Bonus

Learn More

Expires 5/16/2025

Earn $300 after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking®.

• Open a Key Smart Checking® account online by May 16, 2025.
• Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
• Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.

Which is Better: PNC Bank or KeyBank?

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 money market is worth mentioning. KeyBank's cd is noteworthy.

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 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 KeyBank

KeyBank Review

Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

• KeyBank vs Citizens Bank
• KeyBank vs M&T Bank
• KeyBank vs Huntington

Key Bank Routing Number

Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.

Which Do You Think is Best?

You Might Also Like

Largest Banks in the US

A list of the largest banks in the US was released. Which banks came out on top? Read on to find out, plus the benefits of working with a big bank.

Best Bank for Small Business

Discover the top 10 banks for small businesses. Unlock your business' potential with the best bank

M&T Bank Review: Account Good for You?

If you are on the upper East Coast, you probably see M&T Bank frequently. With a free checking option and a range of deposit accounts, does it meet your needs?