Banking » Compare Banks » Regions Bank vs. PNC Bank: Which Bank Account Is Better?
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Regions Bank vs. PNC Bank: Which Bank Account Is Better?

PNC and Regions Bank operate in several states, including Florida, Georgia, Kentucky, and South Carolina. Let's compare them side by side
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

PNC and Regions Bank operate in several states, including Florida, Georgia, Illinois, Kentucky, South Carolina, and others. Now, let's examine and compare their banking products side by side.

Checking Accounts

Regions Bank is our winner when it comers to checking accounts, but PNC is not far behind.

Offering specialized choices such as e-checking, student accounts, and +62 accounts, Regions emerges as a more attractive option for a diverse range of customers seeking various checking account features.

PNC Bank's Virtual Wallet gives you a complete digital banking experience. It includes Spend (your main checking account), Reserve (for short-term planning), and Growth (for long-term savings).

You can pick from three options – Virtual Wallet, Performance Spend, and Performance Select, each of them sets different tiers of benefits and perks. There is also a foundation checking account for basic needs.

PNC Checking Account
Monthly Fee
Average Day Balance To Waive
Virtual Wallet Performance Select Checking
$25
$5,000
Virtual Wallet Performance Checking
$15
$2,000
Virtual Wallet Standard Checking
$7
$500
Foundation Checking
$5
Can't be waived

Regions Bank offers several checking account options, including the LifeGreen Checking and LifeGreen eAccess Account. Here are the accounts, their monthly fee and how you can waive it:

Account
Monthly Fee
Average Day Balance To Waive
LifeGreen Checking
$8
$1,500
LifeGreen Preferred Checking
$18
$5,000
Regions Now Checking
$5
Can't be waived
LifeGreen eAccess Account
$8
At least 10 Regions debit/credit card purchases
62+ LifeGreen Checking
$8
$1,500
LifeGreen® Checking for Students
$0
Under age 25

PNC's Virtual Wallet offers a range of features, including Zelle for easy money transfers, spending analysis tools, and the ability to set savings goals. Account holders may also enjoy reimbursements for select non-PNC ATM fees and benefit from higher relationship interest rates. 

PNC's Foundation Checking account provides convenient mobile banking services, waives overdraft fees, and offers complimentary cashier checks.

PNC Checking Account
Main Features
Virtual Wallet Performance Select
No PNC charges for using other banks' ATMs or domestic wires
Virtual Wallet Performance
Reimbursements for some non-PNC ATM fees, higher relationship interest rates
Virtual Wallet Standard
Zelle, spending analysis, savings goals
Foundation Checking
Mobile banking, no overdraft fee, free cashier checks, debit card

Regions Bank offers a range of checking accounts tailored to diverse customer needs, each with distinct benefits.

The LifeGreen Checking account is the main basic account, offers features like online and mobile banking for convenient account management, customizable alerts to stay informed about transactions, and optional overdraft protection for added financial security.

Regions Bank's LifeGreen Preferred Checking account has mor premium features. This interest-earning account provides added financial benefits, including no Regions ATM fee on two ATM transactions at non-Regions ATMs per statement period.

Account
Main Features
LifeGreen Checking
Alerts and notifications, mobile check deposit, Zelle, Visa debit card
LifeGreen Preferred Checking
Interest-earning, free two ATM transactions at non-Regions ATMs
Regions Now Checking
No overdraft fees, unlimited check writing, online bill pay
LifeGreen eAccess Account
Alerts and notifications, mobile check deposit, Zelle, Visa debit card
62+ LifeGreen Checking
Overdraft Protection, Alerts and notifications, mobile check deposit
LifeGreen Checking for Students
Alerts and notifications, mobile check deposit, Zelle, Visa debit card
Top Offers From Our Partners

PNC bank logo

Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary address.

Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 7/24/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

UpgradeLogo

Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

PNC bank logo

Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary address.

Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 7/24/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

UpgradeLogo

Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Savings Accounts

PNC Bank is our winner when it comes to savings.

PNC provides a high-yield savings account with a competitive online rate, and there's no minimum deposit required to open it. However, eligibility is limited to specific states, so ensure you qualify before applying.

Additionally, PNC offers a Premiere Money Market account, accessible to all. The interest rates vary based on your balance and qualification for special rates. You can deposit any amount, and a debit card is included.

On the other hand, Regions Bank provides less favorable rates for their savings accounts.

PNC Savings
PNC Money Market
Regions Bank Savings
Savings Rate
4.65% The PNC High Yield Savings℠ account is only available to residents of Arizona, California, Colorado, New Mexico and Texas.
0.02% – 1.00%
0.01%
Minimum Deposit
$0
$0
$50
Fees
$0
$12 Can be waived if you maintain a minimum daily balance of $5,000
$5 Can be waived if you maintain a minimum daily balance of $30

Certificate Of Deposits (CDs)

When it comes to CDs, Regions is our winner. 

However, Regions and PNC offer high rates only on specific promotional terms.  While their rates are competitive compared to other brick-and-mortar banks, PNC offers more terms with high rates compared to Regions Bank.

Also, customers can only open PNC and Regions CD accounts in person at a branch, not online.

CD Term
APY
7 Months (Featured)
0.01% – 0.05%
12 Months
0.01% – 0.03%
13 Months (Featured)
0.01% – 0.05%
19 Months (Featured)
0.01% – 1.25%
24 Months
0.01% – 0.03%
25 Months (Featured)
0.01% – 1.50%
24 Months
0.01% – 0.03%
37 Months (Featured)
0.01% – 1.75%
36 Months
0.01% – 0.03%
61 Months (Featured)
0.01% – 2.00%
Regions CD Rates
8 Month
4.50%
14 Month
4.00%
26 Month
4.50%

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Credit Cards

PNC Bank is a top choice when it comes to credit cards, providing a range of options to fit various needs.

They've got a couple of rewards credit cards in their lineup. The PNC Cash Unlimited is straightforward, giving you a flat rate of cash back. If you're into tiered cashback depending on the category, there's the older PNC Cash Rewards card.

For those who love racking up points, the PNC Points card is a great pick. If you're looking for a card with a long 0% intro APR, the Core card is the one to check out.

Just keep in mind that when it comes to cashing in those rewards, PNC Bank might have fewer options than some of the bigger players in the credit card game.

Card
Rewards
Bonus
Annual Fee

PNC Cash Unlimited Visa Signature® Credit Card

PNC Cash Unlimited Visa Signature Credit Card
2% unlimited 2% cash back on every purchase
0% Intro APR: 12 billing cycles on purchases and balance transfers
$0

PNC Cash Rewards® Visa® Credit Card

PNC Cash Rewards Visa Credit Card
1% – 4% 4% on Gas station purchases, 3% on Restaurant and 2% on Grocery store (for the first $8,000 in combined purchases in these three categories) and 1% cash back on all other purchases
$200 $200 cash back after you make $1,000 or more in purchases during the first 3 billing cycles following account opening
$0

pnc point visa card review

PNC points Visa Credit Card
4x – 7x 4 points per $1 on purchases + 25% / 50% /75% bonus on all base points for PNC customers
100,000 bonus points 100,000 bonus points after you make $1,000 in purchases during the first 3 billing cycles following account opening
$0

PNC core Credit Card

PNC Core Visa Credit Card
N/A
0% Intro APR: 15 billing cycles on purchases and balance transfers
$0

PNC Secured Visa® credit card

PNC Secured Visa credit card
N/A
N/A
$0

Regions Bank provides two cashback rewards cards. In addition, there is a  lengthy 0% intro APR card and a secured card designed for building credit.

The Regions Prestige Visa Signature card offers higher cash back on everyday categories such as groceries, gas and dining and customers can get an increase of 1% if they register to Regions Rewards Multiplier Program.

Card
Rewards
Bonus
Annual Fee

Cash Rewards Visa® Credit Card

Regions Cash Rewards Visa Credit Card
1.5% 1.5% cash rewards on every purchase
$200 $200 bonus Cash Rewards when you spend $1,000 in the first 90 days, or earn a $100 bonus when you spend $500 in the first 90 days
$0

Prestige Visa® Signature Credit Card

Regions Prestige Visa Signature Credit Card
1% – 4% 4%/3% on dining & entertainment purchases, including fast food, 3%/2% on gas and grocery store purchases and 2%/1% on all other purchases. When you register for Rewards Multiplier, you can earn up to an extra 1% on every credit card purchase
$200 $200 bonus when you spend $1,000 in the first 90 days after account opening. If you spend at least $500 but not quite $1,000, you will earn a $100 bonus
$0

Life Visa® Credit Card

Regions Life Visa Credit Card
N/A
N/A
$0

Explore secure Visa® Credit Card

Regions Explore Secured Visa Credit Card
N/A
N/A
$29

Mortgage And Loans

Both Region Bank and PNC Bank have a bunch of different loans you can choose from. If you're looking to buy a house or want to change up the terms of your current mortgage, they've got you covered. And if you own a home, they can help you use its value to get a loan or line of credit.

Need money for a new car? They're into that too. Both banks also offer personal loans to help you finance a shiny new ride.

And if you're dealing with student loans, don't worry—they can step in there as well. They might be able to refinance your student loans, giving you a shot at a lower interest rate or changing up how you pay it all back.

Which Bank Is Our Winner?

Although the distinctions may not be substantial, PNC Bank emerges as the preferred choice due to its offering of good checking options, higher savings rates, and superior credit card choices compared to Region Bank.

That being said, it's really important to think about different things, especially the ones that matter most to you. This might include looking at banking services, help with overdrafts, how often you use ATMs, how close the bank is to where you live, and other things different for each person.

Our Methodology: Breaking Down Bank Comparisons

In our thorough banking comparison, The Smart Investor team carefully reviewed and compared banks across five key categories:

  1. Checking Accounts (30%): We examined features like direct deposit, debit card availability, monthly fees, ATM and branch access, check deposit, bill pay options, and account alerts. We also considered any special offers available to customers.

  2. Savings Accounts and CDs (20%): Our focus was on important factors such as the Annual Percentage Yield (APY), minimum deposit requirements, account flexibility, FDIC insurance coverage, special savings offers, variety of CDs, automatic renewal options, and early withdrawal penalties.

  3. Credit Cards (15%): We analyzed rewards programs, annual fees, introductory bonuses, travel benefits, APR, and balance transfer options offered by each bank's credit cards to provide a comprehensive comparison of available features.

  4. Lending Options (15%): We assessed the variety of loan options provided, including personal loans, student loans, mortgages, secured loans, HELOCs, and Home Equity Loans, offering insights into the banks' lending capabilities.

  5. Customer Experience and Bank Reputation (20%): Our evaluation included an analysis of online banking and mobile app usability and ratings, accessibility of customer support, online reviews, JD Power research, Trustpilot ratings, and overall financial stability, providing a holistic view of customer experience and reputation.

Compare PNC With Other Banks

Chase has some great features including a massive selection of credit card options. Both banks also offer some great mortgage packages. PNC also has some innovative credit card options, and you can also access personal loans.

Read Full Comparison: Chase vs PNC Bank: Which Bank Account Is Better?

The Wells Fargo service is even more extensive. Checking accounts, various savings accounts, mortgages, loans, and investment options such as IRAs, 401ks, and wealth management solutions are all available.

PNC offers checking and savings accounts, home loans, mortgages, investments, student loan refinancing, and a variety of credit cards.

Read full comparison: Wells Fargo vs PNC: Which Bank Account Wins?

Bank of America and PNC Bank offer various banking products, but which is a better fit for you? Let's compare and see our winner: PNC Bank vs. Bank Of America

PNC Bank and Citibank are two big players in brick-and-mortar banking. Let's compare them side by side and see which is our winner: PNC Bank vs. Citibank

PNC is our winner in this competition with a better banking package than Huntington Bank. But there are more things to consider: PNC Bank vs. Huntington Bank

While PNC offers better savings rates than U.S. Bank, the latter has better credit cards. Which is best for bank account? Here's our verdict: U.S. Bank vs. PNC Bank

PNC Bank and Fifth Third Bank are two big players when it comes to brick-and-mortar banking. Let's compare them and see which is our winner: PNC Bank vs. Fifth Third Bank

We prefer PNC Bank over M&T, mainly due to higher savings and money market account rates and better credit cards. Here's our comparison: PNC Bank vs. M&T Bank

Our winner is PNC Bank as it offers more options for checking and higher savings rates than Truist bank. Here's our comparison: Truist Bank vs. PNC Bank

Both KeyBank and PNC Bank are active in various states, such as Pennsylvania, Indiana, Ohio, and more. Let's compare their banking products.

KeyBank vs. PNC Bank: Which Bank Account Is Better?

While the differences are insignificant, our winner is PNC Bank, which has better options than BMO Bank. Here's our complete comparison: PNC Bank vs. BMO Bank

While PNC Bank is a brick-and-mortar bank, Capital One's presence is mainly online. Let's compare them and see which is our winner: Capital One vs. PNC Bank

While PNC Bank is a brick-and-mortar bank, American Express Bank's is an online bank. Let's compare their banking products side by side: American Express Bank vs. PNC Bank

PNC Bank is our winner with a complete package of banking services. SoFi is best for savings rates, online experience, and lending options.

PNC Bank vs. SoFi Bank: Compare Banking Options

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Top Offers From Our Partners

PNC bank logo

Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary address.

Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 7/24/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

UpgradeLogo

Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 

Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you’ll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

penfed personal loan

APY on Daily Balances
0.15% APY on daily balances of less than $20,000 or 0.35% APY on daily balances of $20,000 up to $50,000
Get paid up to 2 days early
Set up direct deposits and get your paycheck up to 2 days early

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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