Bask Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bask BankInterest Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $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 Bask Bank offers an APY of 3.75% for its Interest Savings 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.
Bask Bank pays $45 more than PNC on a $10,000 balance after one year. Bask Bank pays $375, while PNC pays $330 - an APY advantage for Bask Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Bask Bank?
- ✓Higher potential APY (3.75% vs 3.30%) on all balances
- ✓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 —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $45 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
Bask Bank offers a competitive Interest Savings Account with an APY of 3.75%, providing better returns compared to PNC's offerings. While PNC's High Yield Savings account has a respectable APY of 3.30%, it is still lower than Bask Bank's rate. Additionally, Bask Bank's account has no minimum balance or direct deposit requirements, making it straightforward for users. In contrast, PNC's Standard Savings account yields only 0.03% APY, significantly less than both of Bask Bank's options. Overall, Bask Bank's Interest Savings Account stands out as the superior choice based on APY.
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
Bask Bank vs. PNC Savings Calculator
You earn $45 more with Bask 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | Bask Bank | PNC |
|---|---|---|
| APY | 3.75% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Interest 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 Android4.6 | iOS4.9 Android4.6 |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | B | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Bask 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 | Bask Bank | PNC | |
|---|---|---|---|
| Interest Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.75% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.2 | -5.6 | 0.2 |
Days Since Change | 19 | 21 | 251 |
10-Month High | 4.35% | 3.95% | 0.03% |
10-Month Low | 3.75% | 3.30% | 0.01% |
Adjustments / Mo | 0.48 | 0.39 | 0.10 |
Volatility Score | 0.042 | 0.057 | 0.289 |
How to read these metrics(Click to expand)
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Comparing against Standard Savings
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Comparing against Standard Savings
High Rates (With Checking Bundle)
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