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 2,200+ branches in 27 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 3,700 locations and 15,000 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 Bank	Bank of America
		Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	OFFER Bank of America Advantage Banking - Up to $500 Cash Offer Read Bank of America Review
	Benefits and Features
Savings	Up to 3.53% APY. Only available in eligible markets.	Bank of America Advantage Savings Standard Rate: 0.01% APY
CD	0.01% to 3.65% APY. Terms of 7 days to 10 years.	7-Month CD - 3.51% APY 10-Month CD - 3.20% APY 13-Month CD - 2.25% APY 25-Month CD - 2.00% APY 37-Month CD - 0.11% APY 1-Month CD - 0.03% APY 120-Month CD - 0.03% APY
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 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	Approximately 15,000+ 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	Monday -Friday: 8AM - 9PM ET Saturday: 9AM - 6PM ET Sunday: 8AM - 5PM ET
IRA CD
Locations	2,200+ locations	3,700 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 - $100 Bonus High Yield Savings Account - 3.53% APY
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 12/04/2025 based on 91107 zip code. Bank of America: Pricing information from published website as of 11/25/2025 based on 91107 zip code.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Learn More

Expires 1/31/2026

The cash offer up to $500 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 1/31/2026.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.

Cash Bonus Total Qualifying Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC.

Cash Bonus	Total Qualifying Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

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 Wells Fargo.

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.

Who Owns PNC Bank

Who calls the shots at PNC Bank? It might seem a simple question, but the answers reveal a complex web of subsidiaries and financial powerhouses.

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.