PNC Bank vs Citizens Bank

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Citizens 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 Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

	PNC Bank	Citizens Bank
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank Review
	Benefits and Features
Savings	Up to 3.95% APY. Only available in eligible markets.	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD	0.01% to 4.25% APY. Terms of 7 days to 10 years.	Several types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
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.	Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Mobile App	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	3,300+ ATMs across 14 states
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 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	2,200+ locations	1,000+ branches in 14 states
	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: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	East Coast bank with solid deposit products to help meet goals... 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	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 7-Month CD - 4.50% 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 12/20/2024 based on 91107 zip code. Citizens Bank: Pricing information from published website as of 11/25/2024 based on 10011 zip code.

Which is Better: PNC Bank or Citizens 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 mobile app is worth mentioning. Citizens Bank's savings and customer service are worth mentioning. In particular, the customer service is impressive.

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.

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 Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.