Chase Bank vs. PNC
Comparing Chase Bank and PNC for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while PNC's PNC High Yield Savings pays 3.30% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? PNC pays $329 more than Chase Bank annually ($330 vs $1).
Choose PNC if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Feb 21, 2026 | PNCPNC High Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.30% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Chase Bank vs. PNC
Executive Summary
PNC offers a superior savings option with its PNC High Yield Savings account, boasting an APY of 3.30%, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. PNC's account has no maintenance fees and requires no direct deposit, making it accessible to a broader audience, although eligibility is restricted to select states. For those seeking simpler options, PNC's Standard Savings account is also available, though it offers lower returns. In contrast, Chase's account may incur a maintenance fee unless certain conditions are met. Overall, PNC stands out as the more lucrative choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Available Nationwide
Why PNC?
- ✓Higher potential APY (3.30% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
PNCPNC's PNC High Yield Savings earns more on smaller deposits (approx. $330 vs $1/yr).
Better Returns at $25,000
PNCPNC's PNC High Yield Savings pulls ahead with larger amounts (approx. $825 vs $3/yr).
Best for Simplicity
PNCPNC's PNC High Yield Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, PNC's PNC High Yield Savings pays $329 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chase Bank vs. PNC Savings Calculator
You earn $329 more with PNC than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 | Chase Bank | PNC |
|---|---|---|
| APY | 0.01% Verified: 2/21/2026 Stable (90d) | 3.30% Verified: 2/21/2026 ↘︎ 0.23%90d Change |
| Product Name | Chase Savings℠ | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | 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 |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Chase 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 | Chase Bank | PNC | |
|---|---|---|---|
| Chase Savings℠ | PNC High Yield Savings | Standard Savings | |
Current APY | 0.01% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.8 | 0.1 |
Days Since Change | 354 | 66 | 296 |
12-Month High | 0.01% | 3.95% | 0.03% |
12-Month Low | 0.01% | 3.30% | 0.01% |
Adjustments / Mo | 0.00 | 0.34 | 0.08 |
Volatility Score | 0.000 | 0.073 | 0.264 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Chase Bank's APY of 0.01% with other banks
Compare PNC's APY of 3.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.30% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Bank of America | 0.01% | $100 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Capital One | 3.30% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Citibank | 3.20% | $0 |
| PNC vs Discover Bank | 3.30% | $0 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Marcus by Goldman Sachs | 3.65% | $0 |
| PNC vs Newtek Bank | 4.20% | $0.01 |
| PNC vs Openbank | 4.09% | $500 |
| PNC vs Pibank | 4.60% | $0 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.50% | $0 |
| PNC vs Varo Bank | 5.00% | $0 |
| PNC vs Wealthfront | 3.95% | $0 |
| PNC vs Wells Fargo | 0.05% | $25 |