PNC Bank vs Bank of America

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Bank of America? Read our comparison chart below.

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.

While Bank of America is one of the largest banks in the U.S. with approximately 4,300 locations and 17,000 ATMs. It is known for good customer service with extended hours. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge.

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

	PNC BankChaseUS BankFifth Third BankBMO BankDiscover Bank	Member FDIC
	Learn More	Learn More
	PNC Bank	Bank of America
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	OFFER Bank of America Advantage Banking - $200 Bonus Offer Read Bank of America Review
	Benefits and Features
Savings	Up to 4.65% APY. Only available in eligible markets.
CD	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	Up to 3.50% APY. Only available in eligible markets.
Mobile App	iOS & Android
ATMs	Approximately 60,000 PNC and partner ATMs	Approximately 16,000+ ATMs
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	Mon-Fri: 8am - 9pm (ET) Sat: 8am - 8pm (ET) Sun: 8am - 5pm (ET)
IRA CD
Locations	2,300+ locations	3,922 financial centers
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts	Pros: Large branch network Extended service hours Full service banking Cons: Monthly fees Low interest rates Many misc. banking fees
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	National bank with widespread accessibility and wide range of services... Read full review
	Learn More	Learn More
	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. PNC Bank: Pricing information from published website as of 04/09/2024 based on 91107 zip code. Bank of America: Pricing information from published website as of 04/09/2024 based on 91107 zip code.

Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Learn More

Expires 5/31/2024

• The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 5/31/2024.
• To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
• Bank of America will attempt to pay bonus within 60 days.
• Additional terms and conditions apply. See offer page for more details.
• Bank of America, N.A. Member FDIC.

Member FDIC

Bank of America Business Advantage Checking Account - $200 Bonus Offer

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Expires 6/30/2024

Earn a cash bonus in three steps:

1. Open a new eligible business checking account by June 30, 2024
2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**

*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC

Member FDIC

Bank of America Advantage SafeBalance Banking®

• Banking that helps you stay within your balance.
• No monthly maintenance fee each statement cycle when you meet one of the following: an owner of this account is under the age of 25 or maintain a minimum daily. balance of $500 in your account or are a member of Bank of America Preferred Rewards®.
• Bank of America, N.A. Member FDIC.

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Which is Better: PNC Bank or Bank of America?

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: Bank of America's cd is noteworthy.

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.

• PNC Bank vs Chase
• PNC Bank vs US Bank
• PNC Bank vs Fifth Third Bank

PNC Savings Account Interest Rate

Looking for a well-known bank with good savings rates? Check out these savings accounts from PNC Bank.

PNC High Yield Savings

PNC's High Yield Savings account features a strong APY with no required balance. Sounds too good to be true, right? Read on to know all the details.

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 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 Bank of America

Bank of America Review

Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on.

• Bank of America vs Wells Fargo
• Bank of America vs Citibank
• Bank of America vs BMO Bank

Bank of America Savings Account Interest Rate

Bank of America's Advantage Savings has a standard APY way below the national average. Read on to find out more.

• Bank of America vs Capital One
• Bank of America vs USAA Bank
• Bank of America vs Discover Bank

Does Bank of America Have a High Yield Savings

Bank of America offers various banking products and services. But does it have a high-yield savings account? Find out here.

Bank of America Problems

Bank of America may be one of the biggest banks, but many customers find a lot of issues with their banking services. What are they? Keep reading.

Bank of America CD Rates

Bank of America is one the biggest banks in the U.S. But are their CD rates worth it? Read on to find out.

How to Close a Bank of America Account

Want to close your Bank of America account? Learn how and what you need to do before you close your account.

Bank of America Hours

Bank of America is open 5-6 days a week, depending on the location. Take a look at their business hours below.

Bank of America Routing Number

Find your Bank of America routing number and learn about money transfers in our guide.

Which Do You Think is Best?

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