Ally Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
As of both Ally Bank (Savings Account) and PNC (PNC High Yield Savings) offer an APY of 3.30% .
Both banks yield $330 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Ally Bank?
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
— Key Feature Differences —
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.6 (vs. 4.4)
Shared Benefits
Executive Summary as of
Ally Bank offers a competitive online Savings Account with an APY of 3.30%, featuring no minimum deposit or balance requirements and no maintenance fees. In contrast, PNC provides a High Yield Savings account with the same APY of 3.30%, but eligibility is restricted to select states. PNC also has a Standard Savings account with a significantly lower APY of 0.03%. Both banks have no direct deposit requirements, but Ally Bank operates exclusively online, while PNC has physical branches available. Overall, both banks present similar APYs, but PNC's eligibility restrictions may affect potential customers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. PNC Savings Calculator
Both accounts earn exactly the same amount.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ally Bank | PNC |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.9 Android4.6 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | PNC | |
|---|---|---|---|
| Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.30% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.1 | -5.6 | 0.2 |
Days Since Change | 68 | 21 | 251 |
10-Month High | 3.70% | 3.95% | 0.03% |
10-Month Low | 3.30% | 3.30% | 0.01% |
Adjustments / Mo | 0.39 | 0.39 | 0.10 |
Volatility Score | 0.038 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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