PNC Bank Vs. Keybank

Written by J. Hirby and Fact Checked by The Law Dictionary Staff  

When someone is looking for a full service bank, it is always helpful to compare the services, fees and interest rates of several large banks. Two such banks are PNC Bank and Keybank. Each of these banks is chartered as a National Bank, a classification code assigned by the Federal Deposit Insurance Corporation (FDIC). Both banks have physical branch locations in a number of states plus on-line services across the United States (US). Both banks offer new and used car loans, personal loans, home equity loans and home equity line of credit loans. Loans and credit cards have competitive interest rates with fully disclosed fees. Both banks continue to receive good financial strength ratings by various independent banking evaluation firms.

<strong>KEYBANK</strong>
Keybank was founded in 1849 and is headquartered in Cleveland, Ohio. The bank has 1059 brick and mortar branch locations in 15 states and provides on-line banking and bill pay services to customers throughout the US. The bank’s accounts are FDIC insured up to a limit of $250,000 for individual accounts.

Keybank offers account services for a variety of checking accounts to include student checking, savings, CDs, debit and credit cards, IRAs, Health Savings Accounts (HSAs), and Gift Cards.

Checking accounts fees: Monthly maintenance fees range from $0 to $12, depending on minimum balance requirements; overdraft fees range from $18 to $34; insufficient funds and returned check fees range from $18 to $34; stop payment check fees range from $27 to $34; and non-bank ATM fees are $2.50.

Keybank has total deposits of $66.8 Billion and total loan values of $58 Billion.

<strong>PNC BANK</strong>
PNC Bank was founded in 1804 and is headquartered in Wilmington, Delaware. The bank has 3017 brick and mortar branch locations in 21 states and provides on-line banking and bill pay services to customers throughout the US. The bank’s accounts are FDIC insured up to a limit of $250,000 for individual accounts.

PNC Bank offers account services for a variety of checking accounts, savings, CDs, and debit and credit cards. The bank does not advertise IRAs, HSAs, or Gift Cards.

Checking accounts fees: Monthly maintenance fees range from $0 to $25 depending on minimum balance requirements; overdraft fees are $36; insufficient funds and returned check fees are $36; stop payment check fees range from $0 to $33; and non-bank ATM fees range from $0 to $2.50.

PNC Bank has total deposits of $214 Billion and total loan values of $190 Billion.

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