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PNC Bank vs US Bank
PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to US Bank? Read our comparison chart below.
PNC Bank has 2,300+ 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 US Bank has over 2,200 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare PNC Bank with US Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Up to 4.65% APY. Only available in eligible markets.
0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
CD
0.01% to 5.05% APY. Terms of 7 days to 10 years.
Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
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*
Smartly Checking
Money Market
Up to 3.50% APY. Only available in eligible markets.
0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Mobile App
iOS & Android
ATMs
Approximately 60,000 PNC and partner ATMs
More than 37,000 ATMs across the country
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 Money Market
Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations
2,300+ locations
More than 2200 branches across the country.
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:
Promo CD with high APY
Free student account
24/7 customer service
Cons:
Low savings APY
Bottom Line
East Coast bank with advanced financial tools to help achieve goals... Read full review
Big national bank with wide array of services and many account options... Read full review
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 03/15/2024 based on 91107 zip code.
US Bank: Pricing information from published website as of 03/15/2024 based on 91107 zip code.
Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 3, 2024. Member FDIC.
Complete the following within 90 days of account opening:
Enroll in online banking or the U.S. Bank Mobile App
Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $200 or $5,000 or more to earn $400
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 2024. Member FDIC. Complete these steps to earn the offer:
Earn your $350.
Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
Earn your $800.
Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
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. US Bank's cd is notable.
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.
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.
A student checking account allows you to manage your money with fewer fees and requirements. Find the best student checking accounts offered by the top banks.