BMO Bank vs PNC Bank
BMO Bank is a midwest bank with options for low and high-balance customers. How does it compare to PNC Bank? Read our comparison chart below.
BMO Bank has over 900 branches and is the 8th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings need just $100 to open with easy ways to waive fees. Special Rate CDs require a $5,000 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 BMO Bank with PNC Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Visit Site | Learn More | |
BMO Bank | PNC Bank | |
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BMO Checking Accounts - Earn up to $600 - | Virtual Wallet Checking Pro - $200 Bonus - | |
Benefits and Features | ||
Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | Up to 4.25% APY. Only available in eligible markets. |
CD | 0.05% - 4.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | 0.01% to 4.30% APY. Terms of 7 days to 10 years. |
Checking | Smart Advantage, Smart Money, Relationship |
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Money Market | 1.00% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | Up to 0.05% APY. Only available in eligible markets. |
Mobile App | ||
ATMs | Approximately 60,000 PNC and partner ATMs | |
Customer Service | Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm |
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IRA CD | 0.05% - 2.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | |
IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | |
Locations | ||
CreditDonkey® Reviews | ||
Savings | ||
CD | ||
Checking | ||
Money Market | ||
Mobile App | ||
Customer Service | ||
Pros & Cons | Pros:
| Pros:
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Bottom Line | Midwest bank with options for low and high-balance customers... | East Coast bank with advanced financial tools to help achieve goals... |
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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. BMO Bank: Pricing information from published website as of 09/27/2024 based on 60603 zip code. PNC Bank: Pricing information from published website as of 10/02/2024 based on 91107 zip code. |
BMO Checking Accounts - Earn up to $600
Earn up to $600 with qualifying activities. Conditions Apply. BMO Bank N.A. Member FDIC
Get either a $250 or $500 cash bonus when you open a new checking account and complete qualifying activities between 9/10/24 and 10/31/24. Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.
BMO Smart Advantage Checking - Earn up to $350
Earn up to $350 with qualifying activities. Conditions Apply. BMO Bank N.A. Member FDIC
Earn a $250 cash bonus when you open a new checking account and complete qualifying activities between 9/10/24 and 10/31/24. Plus, get a $100 digital gift card when you meet with a BMO banker to discuss your financial priorities after opening your account online. Combine the cash bonus and the gift card to maximize your rewards.
BMO Smart Advantage Checking
- No minimum balance required
- Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
- No monthly fees with paperless statements
Which is Better: BMO 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 BMO Bank or Chase.
In short: BMO Bank's cd is notable.