PNC Bank vs SunTrust Bank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to SunTrust Bank? 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 SunTrust Bank has 1,400 branches in the Southeast region. Checking accounts require $100 to open and offers different ways to waive fees. Select Savings account offers an annual 1% bonus up to $25. Promotional CD offers a high APY with a $2,000 minimum opening deposit.

Compare PNC Bank with SunTrust Bank, side-by-side.

	PNC Bank	SunTrust Bank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	Up to 3.95% APY. Only available in eligible markets.	0.01% APY for all savings account. For Essential Savings Account - no minimum opening deposit, no monthly maintenance fee, no tiered interest rates. For Select Savings Account - $100 minimum opening deposit, $7 monthly maintenance fee unless 1) minimum $25 per month auto-transfer from a SunTrust personal checking account or, 2) $1,000 minimum daily collected balance. Has tiered interest rates.
CD	0.01% to 4.10% APY. Terms of 7 days to 10 years.	0.05% APY. Terms ranging from 6 months - 24 months. $2,500 minimum opening deposit. Terms ranging from 7 days - 31 days. OR $1000 minimum opening deposit. Terms ranging from 32 days - 60 days.
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.	Minimum opening deposit $100. Monthly maintenance fee $12 unless 1) one (1) automated transfer ($100 minimum) occurs, OR 2) a minimum daily collected balance of $10,000 is maintained.
Mobile App	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	More than 2160 ATMs across 11 southeastern states and Washington DC.
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 Telephone and Automated Customer Service
IRA CD		Terms ranging from 1 - 10 years.
Locations	2,600+ locations	1400 bank branches across 11 southeastern states 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
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... 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 06/07/2025 based on 91107 zip code. SunTrust Bank: Pricing information from published website as of 04/12/2022 based on 91107 zip code.

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.

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.