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 2,600 branches in 28 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 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.
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 |  | |
PNC Bank | US Bank | |
|---|---|---|
High Yield Savings Account - 4.00% APY - | U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY (0.02% APY - 0.03% APY Relationship rates) | 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 | 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, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select | |
| Money Market | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. | |
| Customer Service |
| 24/7 Live Customer Service (Telephone) |
| ATMs | 60,000 ATMs across 28 states and the District of Columbia | More than 37,000 ATMs across the country |
| IRA CD | ||
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | 2,600 PNC branches across 28 states. | More than 2200 branches across the country. |
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | | |
| Checking | | |
| Money Market |  | |
| Customer Service | | |
| Mobile App | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | East Coast bank with advanced financial tools to help achieve goals... | Big national bank with wide array of services and many account options... |
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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 01/23/2023 based on 19899 zip code. US Bank: Pricing information from published website as of 11/9/2022 based on 91107 zip code. | ||
U.S. Bank Smartly™ Checking and Standard Savings - Up to $600 Bonus
Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and a Standard savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through February 7, 2023. Member FDIC.
Complete these steps within 90 days of opening your new Bank Smartly™ checking account online:
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200 or $6,000 or more to earn $400.
- Earn an additional $200 when you open a new Standard Savings account, complete deposit(s) of $25,000 or more February 28, 2023 and maintain a total account balance of $25,000 until May 31, 2023.
Silver Business Checking Package - $400 Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 30, 2023. Member FDIC.
Complete these steps to earn the offer:
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Gold Business Checking Package - $400 Bonus
Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 30, 2023. Member FDIC.
Complete these steps to earn the offer:
- Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
- Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
- Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Which is Better: PNC Bank or US 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 checking is worth mentioning. US Bank's cd is notable.
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.
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 US Bank
US Bank
U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?
US Bank Routing Number
To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.
Which Do You Think is Best?
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