FNBO Direct vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.00% | 3.30% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $1 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredLow 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.
Comparison Analysis
Comparing FNBO Direct vs. PNC
As of FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
PNC pays $30 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while PNC pays $330 - an APY advantage for PNC.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why FNBO Direct?
- ✓Available Nationwide
Why PNC?
- ✓Higher potential APY (3.30% vs 3.00%) on all balances
- ✓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)
- ✓Higher rated iOS app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
PNCPNC's PNC High Yield Savings earns more on smaller deposits (approx. $330 vs $300/yr).
Better Returns at $25,000
PNCPNC's PNC High Yield Savings pulls ahead with larger amounts (approx. $825 vs $750/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 $30 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
FNBO Direct offers a High-Yield Online Savings Account with a competitive APY of 3.00%, requiring a minimum deposit of $1 and no maintenance fees. However, PNC's High Yield Savings account stands out with a higher APY of 3.30%, also with no minimum balance requirement and no maintenance fees. PNC's account is available to customers in select states and does not require direct deposit, making it a strong option for those eligible. While FNBO Direct's account is online-only, PNC provides broader access with physical branches. Overall, PNC's High Yield Savings account is the winner based on the higher 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
FNBO Direct vs. PNC Savings Calculator
You earn $30 more with PNC than FNBO Direct 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.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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 | FNBO Direct | PNC |
|---|---|---|
| APY | 3.00% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High-Yield Online Savings Account | PNC High Yield Savings |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $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 | iOS4.5 Android4.8 | iOS4.9 Android4.6 |
| Zelle® Support | Available Online division fully supports Zelle. | 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 FNBO Direct Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | PNC | |
|---|---|---|---|
| High-Yield Online Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.00% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -6.4 | -13.7 | -0.0 |
Days Since Change | 96 | 21 | 166 |
5-Month High | 3.25% | 3.95% | 0.03% |
5-Month Low | 3.00% | 3.30% | 0.03% |
Adjustments / Mo | 0.18 | 0.72 | 0.00 |
Volatility Score | 0.039 | 0.064 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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