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After Identifying the Pros and Cons, I decided to go with PNC as my financial institution. Out of the three banks, PNC offered better interest rates. They also had a lot of promotions on their website that was directed toward young people: Virtual Wallet (extensive online banking feature), plenty of information of student banking, and student loan information. I thought that overall PNC offered a multitude of accessible options and according to the textbook, “The more options you have, the more you’ll be able to accomplish" (Planning and Money Management). I'm also slightly biased toward PNC since my parents currently use PNC as their own bank, and they have no complaints, so I think I will continue on the same path.

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-Offers online and mobile banking
-Interest Rate= 0.02%
-Offers various loans for mortgage, cars, education, and other reasons
-Other stuff

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-Offers online and mobile banking
-Interest Rate= 0.01%
-Offers loans for mortgage and cars as well as student loans (minimal information, unless you provide specific info)

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-Convenient/Flashy Online Option: Virtual Wallet
-Interest Rate= 0.05% ($1-2499.99) or 0.1% ($2500+)
-On website, there is extensive information about the various loans available (including mortgage, student loans, and auto loans)
-For borrowing money, there is no penalty for repayment in full at any time