Bank of America vs PNC Bank: which is better? Comparison 2026

By our public methodology Bank of America scores 96 out of 100 and PNC Bank scores 93. Below: the factors and facts where they differ, each fact with its source.

Banks in the United States 2026: a ranking built on verified facts How we rank

1

Bank of America

96/100
3

PNC Bank

93/100

Score breakdown

Bank of AmericaPNC Bank
Safety100100
Digital services8686
Products100100
Transparency10083

Pros and cons

Bank of America

  • Wide range of products for private customers
  • Long track record as a licensed bank
  • Member of a deposit protection scheme
  • Holds its own current rating from a recognised agency

PNC Bank

  • Wide range of products for private customers
  • Long track record as a licensed bank
  • Member of a deposit protection scheme
  • Holds its own current rating from a recognised agency

Facts side by side

FactBank of AmericaPNC Bank
Licensed since1904 api.fdic.gov1804 api.fdic.gov
Deposit protectionYes api.fdic.govYes api.fdic.gov
Agency ratingYes investor.bankofamerica.comYes investor.pnc.com
Annual reports onlineYes investor.bankofamerica.comYes investor.pnc.com
Mobile appYes info.bankofamerica.comYes pnc.com
Open an account onlineYes info.bankofamerica.comYes pnc.com
Instant paymentsYes info.bankofamerica.comYes pnc.com
24/7 supportNo bankofamerica.comNo pnc.com
Retail lines offered (of 6)6 bankofamerica.com6 pnc.com
Tariffs onlineYes bankofamerica.comYes pnc.com
Deposit rates onlineYes bankofamerica.comYes pnc.com
Complaints procedure publishedYes bankofamerica.comNot verified
Branches in the country3,598 api.fdic.gov2,413 api.fdic.gov

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