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PNC Bank vs Ally Bank
PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to Ally Bank? Read our comparison chart below.
PNC Bank has 2,200+ branches in 27 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 Ally Bank offers high interest on their Savings account. It also offers interest checking and multiple CD options, including No Penalty and Raise Your Rate CDs. There is no minimum deposits or service fees for any of their banking products.
Compare PNC Bank with Ally Bank, side-by-side. Read on for an in-depth look, including ratings and reviews.
Up to 3.95% APY. Only available in eligible markets.
3.50% APY
CD
0.01% to 4.10% APY. Terms of 7 days to 10 years.
3.00% to 3.90% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.85%
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*
0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
Money Market
Up to 0.05% APY. Only available in eligible markets.
3.50% APY
Mobile App
iOS & Android
iOS & Android
ATMs
approximately 60,000 PNC and partner ATMs
75,000+ no-fee Allpoint and MoneyPass ATMs
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
Locations
2,200+ locations
Online only
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
Bottom Line
East Coast bank with advanced financial tools to help achieve goals... Read full review
PNC Bank: Pricing information from published website as of 08/21/2025 based on 91107 zip code.
Ally Bank: Pricing information from published website as of 08/29/2025.
Which is Better: PNC Bank or Ally 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.
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.
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