M&T Bank is a regional bank that’s located in the upper East Coast. Although they don’t offer high interest rates on their savings accounts, they are well known for their exceptional customer service.

PNC Bank offers a variety of checking and savings account options with differing perks, but they are known for the budgeting tools such as the Virtual Wallet! But they also have lower APY on their accounts with limited branches.

Continue reading below to see a side-by-side comparison between the two banks, so you can see which one offers the services you need the most


	M&T Bank	PNC Bank
Locations	690 bank branches located throughout New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida (Locator)	Nationwide (Locator)
ATMs	More than 1,500 M&T Bank ATMs in New York, New Jersey, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia and Florida.	Nearly 18,000 PNC and Partner ATMs Coast to Coast
Savings	3/5	3/5
CD	3/5	2/5
Checking	4/5	4/5
Money Market	3/5	3.5/5
Customer Service	4/5	4/5
Mobile App	3.5/5	4.5/5
Pros	-Free checking option -High APY for Promo CD -Free savings with checking	-Virtual Wallet tools -Relatively easy to waive fees -Free student account
Cons	-Fee heavy -Subpar savings APY -Limited branches	-Limited Branches -Low APY
Bottom Line	M&T Bank has a free checking option and a wide range of deposit accounts that caters to people of all pages.	PNC Bank offers many options for checking and savings accounts with a variety of budgeting tools.

Bottom Line

Which Bank is Better: M&T Bank or PNC Bank?

In summary:

If you’re not looking for high interest and wanting a conveniency then M&T Bank is a good option. Plus their customer service is really hard to beat.
PNC Bank offers a variety of deposit account options and budgeting tools. In addition, PNC Bank’s mobile app is worth mentioning.

For more variety of options, see our list of the best bank account bonuses & savings account offers.