GO2bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | GO2bankHigh Yield Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.00% - 4.50% | 3.30% |
Est. Earnings | $5,000+$225 $10,000+$225 $25,000+$225 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | 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 GO2bank offers an APY of 4.50% for its High Yield 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.
PNC pays $105 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), 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 GO2bank?
- ✓Higher potential APY (4.50% vs 3.30%) on balances up to $5,000 (requires checking bundle)
- ✓Available Nationwide
Why PNC?
- ✓No checking account or direct deposit required
- ✓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
PNCPNC's PNC High Yield Savings earns more on smaller deposits (approx. $330 vs $225/yr).
Better Returns at $25,000
PNCPNC's PNC High Yield Savings pulls ahead with larger amounts (approx. $825 vs $225/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 $105 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable to balances up to $5,000, but requires a GO2bank checking account to open. In contrast, PNC's top product, the PNC High Yield Savings, provides a lower APY of 3.30% with no direct deposit requirement and is available in multiple states, although eligibility is restricted. While both banks have online-only options, GO2bank's higher APY makes it the winner in this comparison, despite PNC's broader accessibility and simpler terms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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GO2bank vs. PNC Savings Calculator
You earn $105 more with PNC than GO2bank 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.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
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 | GO2bank | PNC |
|---|---|---|
| APY | 4.50% 0Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High Yield Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | Not Rated | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at GO2bank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | PNC | |
|---|---|---|---|
| High Yield Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 4.50% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -14.9 | 0.0 |
Days Since Change | 154 | 21 | 154 |
5-Month High | 4.50% | 3.95% | 0.03% |
5-Month Low | 4.50% | 3.30% | 0.03% |
Adjustments / Mo | 0.00 | 0.77 | 0.00 |
Volatility Score | 0.000 | 0.064 | 0.000 |
How to read these metrics(Click to expand)
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