Chime vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Chime vs. PNC
Key Metrics at a Glance
| Feature | Chime | PNC |
|---|---|---|
| Top Savings APY | 3.50% Chime Savings Account | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.50% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.00%. | Eligibility restricted. |
Chime
Strengths
- Chime offers a competitive APY of 3.50%, though it decreased from 3.75% last month.
- Chime has an A+ BBB rating and is BBB Accredited.
- Chime's App Store rating is 4.8, higher than PNC's.
Potential Drawbacks
- Chime requires a direct deposit of $200 to earn the 3.50% APY.
- Chime's Google Play rating is 4.7, lower than PNC's.
PNC
Strengths
- PNC's High Yield Savings account has an APY of 3.53%, though it fell from 3.85% last month.
- PNC does not require direct deposit for its savings accounts.
- PNC's App Store rating is 4.9, the highest among the two banks.
Potential Drawbacks
- PNC's High Yield Savings account eligibility is restricted.
- PNC's Standard Savings account offers a significantly lower APY of 0.03%.
Summary: Chime and PNC both offer competitive high-yield savings accounts, with Chime providing a 3.50% APY and PNC slightly higher at 3.53%. However, Chime requires a direct deposit to earn its APY, while PNC does not. Both banks have an A+ BBB rating, but only Chime is BBB Accredited. PNC has a higher App Store rating of 4.9 compared to Chime's 4.8.
→ As of November 14, 2025 Chime offers an APY of 3.50% for its Chime Savings Account, with a minimum balance of $0.01, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ PNC yields $3 more than Chime on a $10,000 balance after one year. Chime pays $350, while PNC pays $353 - an APY advantage for PNC.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Chime vs PNC
All calculations are based on APY.
Chime - Chime Savings Account
Top APY: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
Bank OverviewPNC - PNC High Yield Savings
Top APY: 3.53%
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Effective APY: 3.53% (based on your deposit and contributions)
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chime's total earnings would be $19.1 lower than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Chime's vs PNC's Savings Accounts
| Chime | PNC | |||
|---|---|---|---|---|
| Product | Chime Savings Account | vs | Standard Savings | PNC High Yield Savings |
| APY | 1.00% - 3.50% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | Yes | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | No | |
| Compound Frequency | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $1 | $0 | |
| Maintenance Fee | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | Yes. You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | No | No | |
| Eligibility | United States | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| Note | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.50% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.00%. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | |
| App Store Rating | 4.8/5 | 4.9/5 | ||
| Google Play Rating | 4.7/5 | 4.6/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Chime | PNC | |||
|---|---|---|---|---|
| Product | Chime Savings Account | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 3.50 % | 3.53 % | 0.03 % | |
| Trend | Rising | Sideways | Sideways | |
| Slope (bps/mo) | 9.1 | -1.9 | 0.2 | |
| Rate Changes / Mo | 0.23 | 0.35 | 0.12 | |
| Days Since Last Change | 29 | 1 | 197 | |
| High (-8 m) | 3.75 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 2.00 % | 3.53 % | 0.01 % | |
| Draw-down from High | -6.7 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.150 | 0.019 | 0.331 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 256 days.
- Low (-8 m)
- Lowest APY in the last 256 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.