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PNC Bank vs Chase
PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Chase? 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 Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.
Compare PNC Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Up to 3.95% APY. Only available in eligible markets.
Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD
0.01% to 4.10% APY. Terms of 7 days to 10 years.
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
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.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
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
15,000+ Chase 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
Automated service available 24/7
Locations
2,200+ locations
Over 4,700
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:
More than 4,700 branches
New customer coupons
Full service banking
Cons:
Low savings rates
Not in all states
Bottom Line
East Coast bank with advanced financial tools to help achieve goals... Read full review
National bank with good promotions for new customers... Read full review
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 08/21/2025 based on 91107 zip code.
Chase: Pricing information and data points from published website as of 08/26/2025.
Which is Better: PNC Bank or Chase?
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 Bank of America.
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.
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