PNC Bank vs SoFi

PNC Bank is an east Coast bank with advanced financial tools to help achieve goals. How does it compare to SoFi? Read our comparison chart below.

	PNC Bank	SoFi

	Learn More	Learn More
	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review	OFFER Personal Loans: Borrow Between $5k-$100k - Learn More Read SoFi Review
	Benefits and Features
Savings	Up to 3.85% APY. Only available in eligible markets.	3.80% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without)
CD	0.01% to 3.90% APY. Terms of 7 days to 10 years.	N/A
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*	0.50% APY on checking balances
Money Market	Up to 0.05% APY. Only available in eligible markets.
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 60,000 PNC and partner ATMs	55,000+ Allpoint 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	Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat
Locations	2,200+ locations	4 branch locations
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Fees
Interest Rates
Eligibility
Pros & Cons	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts	Pros: Competitive, fixed rates Low fees No collateral Cons: Slower underwriting process High standards for borrowers
Bottom Line	East Coast bank with advanced financial tools to help achieve goals... Read full review	Personal loans with low APR and fees. Must have good credit to qualify... Read full review
	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus	Personal Loans: Borrow Between $5k-$100k Active Investing with SoFi Sofi Checking and Savings
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 10/03/2025 based on 91107 zip code.

Which is Better: PNC Bank or SoFi?

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 Bank of America.

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.

Who Owns PNC Bank

Who calls the shots at PNC Bank? It might seem a simple question, but the answers reveal a complex web of subsidiaries and financial powerhouses.

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.