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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 26 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 3,000 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.

 US Bank
 Learn MoreVisit Site
 

PNC Bank

US Bank

SPECIAL OFFER
High Yield Savings Account - 0.75% APY - Learn More

Read PNC Bank Review

SPECIAL OFFER
Easy Checking - $400 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

Savings0.01% 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
0.01% - 0.03% APY
Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.15% APY - 0.75% APY. Terms of 17 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
CheckingVirtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance SelectEasy Checking, Gold Checking Package, Platinum Checking Package
Money Market
0.02% APY
0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Customer Service
  • Mon-Fri 7:00 am - 10:00 pm (ET)
  • Sat & Sun 8:00 am - 5:00 pm (ET)
24/7 Live Customer Service (Telephone)
ATMs18,000 ATMs across 37 states and the District of ColumbiaMore than 4,700 ATMs across the country
IRA CD
0.01% - 0.03% APY
 
IRA Money Market Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations2,300 PNC branches across 26 states.More than 3000 branches across the country.
 

CreditDonkey® Reviews

 US Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Bottom LineEast Coast bank with advanced financial tools to help achieve goals... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Learn MoreVisit Site

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 03/25/2022 based on 19899 zip code.

US Bank: Pricing information from published website as of 03/8/2022 based on 91107 zip code.

US Bank
Member FDIC

Easy Checking - $400 Bonus

Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $400
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires 8/8/2022
US Bank
Member FDIC

Gold Checking - $400 Bonus

Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $400
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires 8/8/2022
US Bank
Member FDIC

Platinum Checking - $400 Bonus

Earn $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through August 8, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App.
  • Complete two or more direct deposits totaling $4,000 to earn $400
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires 8/8/2022

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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