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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.
Up 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.
CD
0.01% 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 Market
Up 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
ATMs
approximately 60,000 PNC and partner ATMs
4,700+ 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
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:
Promo CD with high APY
Free student account
24/7 customer service
Cons:
Low standard savings APY
Bottom Line
East Coast bank with advanced financial tools to help achieve goals... Read full review
Big national bank with wide array of services and many account options... 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 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.
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.
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.
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.
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.
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.
A student checking account allows you to manage your money with fewer fees and requirements. Find the best student checking accounts offered by the top banks.