Axos Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.31% | 3.30% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Axos Bank pays $101 more than PNC on a $10,000 balance after one year. Axos Bank pays $431, while PNC pays $330 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0, while PNC offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓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)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $330/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $825/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $101 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Axos Bank offers a competitive savings product, the Axos ONE, which provides a high APY of 4.31% when bundled with a checking account. This product requires either a direct deposit of $1,500 or total monthly qualifying deposits of at least $5,000 to maintain the highest rate. In contrast, PNC's highest yielding option, the High Yield Savings account, offers a significantly lower APY of 3.30%, with eligibility restricted to select states. While PNC does provide a Standard Savings account with an APY of 0.03%, it pales in comparison to Axos Bank's offerings. Overall, Axos Bank stands out with its superior APY and flexible eligibility requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. PNC Savings Calculator
You earn $101 more with Axos Bank than PNC on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
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 | Axos Bank | PNC |
|---|---|---|
| APY | 4.31% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Axos ONE | 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. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Eligibility restricted to select states. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | PNC | |||
|---|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | PNC High Yield Savings | Standard Savings | |
Current APY | 0.61% | 3.75% | 4.31% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.1 | -4.4 | -5.6 | 0.2 |
Days Since Change | 308 | 27 | 36 | 21 | 251 |
10-Month High | 0.61% | 4.00% | 4.86% | 3.95% | 0.03% |
10-Month Low | 0.61% | 3.75% | 4.31% | 3.30% | 0.01% |
Adjustments / Mo | 0.00 | 0.10 | 0.39 | 0.39 | 0.10 |
Volatility Score | 0.000 | 0.024 | 0.033 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Axos Bank vs...
Comparing against other Bundled Accounts
Compare PNC vs...
Comparing against Standard Savings