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PNC Bank vs U.S. Bank

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

PNC Bank has 2,200+ 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 U.S. Bank has over 2,900 branches across 27 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

 U.S. Bank
Member FDIC
 Learn MoreLearn More
 

PNC Bank

U.S. Bank

SPECIAL OFFER
Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More

Read PNC Bank Review

SPECIAL OFFER
Platinum Business Money Market Account - Up to 4.00% Bonus Interest Rate

Read U.S. Bank Review

 

Benefits and Features

SavingsUp to 3.95% APY. Only available in eligible markets.Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking or Safe Debit account, or for accounts with a minor under the age of 18.
CD0.01% to 4.10% APY. Terms of 7 days to 10 years.Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
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*
Smartly Checking
Money MarketUp to 0.05% APY. Only available in eligible markets.0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance.
Mobile App
iOS & Android
iOS & Android
ATMsapproximately 60,000 PNC and partner ATMs4,700+ U.S. Bank ATMs across the country
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
24/7 Live Customer Service (Telephone)
IRA Money Market Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations
2,600+ locations
2,900+ branches
 

CreditDonkey® Reviews

 U.S. Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY on some savings accounts
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard savings APY
Bottom LineEast Coast bank with advanced financial tools to help achieve goals... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Learn MoreLearn More

    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 04/01/2025 based on 91107 zip code.

    U.S. Bank: Pricing information from published website as of 02/15/2025 based on 91107 zip code.

    U.S. Bank
    Member FDIC

    Platinum Business Money Market Account - Up to 4.00% Bonus Interest Rate

    Receive a bonus interest rate up to 4.00% from the account opening date when you open a new Platinum Business Money Market Acccount and complete qualifying activities, subject to certain terms and limitations. Member FDIC.

    Standard variable interest rates are determined at the bank's discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100.

    The special interest rate is limited to Business Platinum Money Market account only. Open a new U.S. Bank Platinum Business Money Market account and receive the special interest rate from the account opening date. Special interest rates may change at any time without notice.
    The special interest rate will be 4.00% when your account balance tier is between $25,000 to $2,999,999.99.

    The special interest rate does not apply for Platinum Business Money Market accounts with balances outside of the balance tier stated above. The full account balance will earn the standard variable interest rate in effect at that time until the account balance falls within the special rate balance tier.

    Interest and Fee Information: You must maintain the minimum balance needed for each tier to earn the special interest rate. Interest will be compounded daily and credited to your account monthly at the end of the statement cycle. Fees could reduce earnings on the account. Other restrictions may apply.

    Which is Better: PNC Bank or U.S. Bank?

    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: PNC Bank's checking is worth mentioning. U.S. Bank's cd is notable.


    Articles on PNC Bank

    PNC Bank Review

    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.

    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 Bank 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 U.S. Bank

    U.S. Bank

    Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

    U.S. Bank Savings Account Interest Rate

    U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.

    Who Owns U.S. Bank

    U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

    U.S. Bank Silver Business Checking Minimum Balance

    Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

    U.S. Bank Silver Business Checking Fees

    Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

    U.S. Bank Business Checking Requirements

    Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

    U.S. Bank Problems

    U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

    Chase vs U.S. Bank Business Account

    U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

    U.S. Bank Checking Bonus

    Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

    U.S. Bank Business Checking Bonus

    Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

    U.S. Bank Routing Number

    To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.

    Which Do You Think is Best?


    Which Bank Account is Right for You?


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