SunTrust Bank vs PNC Bank

SunTrust Bank is a southeastern regional bank known for good customer service. How does it compare to PNC Bank? Read our comparison chart below.

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.

While 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.

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

	SunTrust Bank	PNC Bank
		SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	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.	Up to 4.65% APY. Only available in eligible markets.
CD	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.	0.01% to 5.05% APY. Terms of 7 days to 10 years.
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	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.	Up to 4.00% APY. Only available in eligible markets.
Mobile App		iOS & Android
ATMs	More than 2160 ATMs across 11 southeastern states and Washington DC.	Approximately 60,000 PNC and partner ATMs
Customer Service	24/7 Telephone and Automated 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
IRA CD	Terms ranging from 1 - 10 years.
Locations	1400 bank branches across 11 southeastern states and Washington D.C.	approximately 2,300+ locations
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: High APY for CDs Free student account Good customer service Cons: No free checking option Low savings APY Limited branches	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	Southeastern regional bank known for good customer service... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
		Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet Checking Pro - $200 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. SunTrust Bank: Pricing information from published website as of 04/12/2022 based on 91107 zip code. PNC Bank: Pricing information from published website as of 04/09/2024 based on 91107 zip code.

Which is Better: SunTrust Bank or PNC Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing SunTrust Bank or Chase.

In short: SunTrust Bank's cd is notable. PNC Bank's checking is worth mentioning.

Articles on SunTrust Bank

SunTrust Bank Review

If customer service ranks high on your list, SunTrust Bank may be one you want to check out. While they offer interest rates comparable to most "big banks," they do offer that warm, fuzzy feeling some people look for in a bank.