PNC Bank vs Charles Schwab Bank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Charles Schwab Bank? 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 Charles Schwab Bank offers an Investor Checking account with unlimited ATM fee reimbursements worldwide and no foreign transaction fees. No minimum to open and no service fee. It is tied to a brokerage account but you don't have to use it.

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

	PNC Bank	Charles Schwab Bank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	SPECIAL OFFER High Yield Investor Checking – Unlimited ATM Rebates - Learn More Read Charles Schwab Bank Review
	Benefits and Features
Savings	Up to 4.25% APY. Only available in eligible markets.	0.25% APY
CD	0.01% to 4.30% APY. Terms of 7 days to 10 years.	Offers brokered CDs from other banks. Minimum deposit of $1,000.
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*	0.45% APY, $0.01 account minimum
Money Market	Up to 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android
ATMs	Approximately 60,000 PNC and partner ATMs	Unlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide.
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 and Chat)
Locations	approximately 2,300+ locations	345 branches across the country. You may also open an account online.
	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: No account minimum No service fees Refund all ATM fees Cons: Only checking or savings Must do banking online
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Popular brokerage with a free checking account that refunds ATM fees... Read full review
	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet Checking Pro - $200 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus	High Yield Investor Checking – Unlimited ATM Rebates 3-Month CD - Up to 4.52% APY 1-Year CD - Up to 4.40% 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 10/02/2024 based on 91107 zip code. Charles Schwab Bank: Pricing information from published website as of 10/05/2024.

Which is Better: PNC Bank or Charles Schwab 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: Charles Schwab Bank's savings 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.

PNC Savings Account Interest Rate

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

PNC Bank vs Fifth Third 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.