TD Bank vs PNC Bank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to PNC Bank? Read our comparison chart below.

TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

While 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.

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

	TD Bank	PNC Bank


	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Cash Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.	0.01% APY (0.02% APY - 0.03% APY Relationship rates). Minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account.
CD	0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	0.01% - 0.03% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
Checking	TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠	Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
Money Market	0.01% - 0.02% APY (up to 0.03% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old.	0.02% APY. Minimum deposit is $100. Maximum deposit is $10,000. Monthly service charge of $12 unless you have $5,000 average monthly balance.
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Fri 7:00 am - 10:00 pm (ET) Sat & Sun 8:00 am - 5:00 pm (ET)
ATMs	Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	18,000 ATMs across 37 states and the District of Columbia.
IRA CD	0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).	0.01% - 0.03% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 6 months to 10 years.
Locations	1300 locations along the east coast.	2,300 PNC branches across 26 states.
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & Cons	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY
Bottom Line	East Coast bank with relatively low minimum balance requirements... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review

	TD $300 Beyond Checking Bonus TD $150 Convenience Checking Bonus TB Business Convenience Checking Plus	Virtual Wallet with Performance Select Checking - $400 Cash Bonus Performance Select Checking - $400 Cash Bonus Virtual Wallet with Performance Spend Checking - $200 Cash Bonus
TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code. PNC Bank: Pricing information from published website as of 01/22/2022 based on 19899 zip code.

Member FDIC

TD Beyond Checking - $300 Cash Bonus

Get $300 Bonus

New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.

Member FDIC

TD Convenience Checking℠ - $150 Cash Bonus

Get $150 Bonus

New customers who apply online for a TD Convenience Checking℠ account can earn a $150 cash bonus after receiving direct deposits of $500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
Earn $150 when you receive direct deposits totaling $500 or more within 60 days
Low minimimum daily balance of $100 waives the $15 monthly fee.
Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
Instantly replace a lost or worn debit card by visiting a TD Bank location near you
Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
Get a 0.25% discount on TD Bank Home Equity and Personal Loans

Which is Better: TD 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 TD Bank or Chase.

In short: TD Bank's cd and customer service are worth mentioning. In particular, the customer service is outstanding.

Articles on TD Bank

TD Bank Review

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

TD Beyond Checking Bonus

TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.

TD Convenience Checking Bonus

TD Bank is offering a $150 sign-up bonus for opening a Convenience Checking ℠ account. Learn more about this promotion below.

TD Bank Hours

TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.

TD Open Account

Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.

TD Bank Routing Number

Find your TD Bank routing number by state. Get the correct number with and without a check.

Articles on PNC Bank

PNC Bank

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.