Citizens Bank has over 1,100 branches spread across the East Coast. They offers a wide range of banking products and services, as well as financial tools to keep you on track. One unique program they offer is The GoalTrack Savings program which offers gift card incentives for reaching your savings goals.
Meanwhile, PNC Bank has 2,600 branches in about 19 states mostly from the East. Their checking accounts have a special feature called the Virtual Wallet tool. This enables you to receive help and reach your goals with this perk. Plus, account fees can easily be waived when you meet the account balance or direct deposit requirements.
Read below to compare Citizens Bank and PNC Bank.
| BONUS LINK | OFFER | REVIEW |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
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| Citizens Bank | PNC Bank | ||
| Locations | Over 1,100 branches
(Locator) |
Nearly 2,600 branches
(Locator) |
|
| ATMs |
|
About 15,000 ATMs | |
| Savings | 4/5 | 3/5 | |
| CD | 3/5 | 2/5 | |
| Checking | 4/5 | 4/5 | |
| Money Market | 3/5 | 3.2/5 | |
| Customer Service | 5/5 | 4/5 | |
| Mobile App | 3.5/5 | 4.2/5 | |
| Pros | -One Deposit Checking -GoalTrack Savings -24/7 customer service |
-Virtual Wallet tools -Relatively easy to waive fees -Free student account |
|
| Cons | -Low APY -Heavy overdraft fees -Limited branches |
-Limited branches
-Low APY |
|
| Bottom Line | East Coast bank with solid deposit products to help meet goals | PNC Bank has excellent financial tools and services. |
Comparing Both Banks
If you are looking for a one deposit checking or Goal Tracks Savings program, then Citizens Bank would be the better bank. Although they have high overdraft fees, these accounts offer great perks to them. PNC Bank however, offers great financial tools that come with their accounts which may be more beneficial to you. The biggest differences between both banks are that PNC Bank has nearly 2,600 branches compared to citizens bank 1100 branches across 11 states .
PNC Bank has a Virtual Wallet perk for their Performance Select Checking account with a $300 bonus.
Different Bank Accounts
It will only take a few minutes to open an account with Citizens Bank online. Most of their accounts come with monthly fees that can be waived. There are about 4 checking accounts that you can choose from with Citzens Bank. These options are: Student Checking, One Deposit Checking, Platinum Checking, Platinum Plus Checking
With PNC Bank, they also have many checking and savings accounts to choose from. There are 3 different checking accounts you can sign up for: Performance Select, Performance Checking, and Standard Checking. Additionally, these accounts will come with a Virtual Wallet. As mentioned above, this feature will enable you to do so much with your account.
Conclusion
Overall, looking for a bank to put your money into can be difficult. However, with this guide, you’ll be able to see the comparisons and differences both banks have. Judging from the chart above, it seems that Citizens bank has better financial products when it comes down to their rates, however, PNC Bank seems to be more available across the nation compared to Citizen’s Bank 11 states.
