Go2bank vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
We earn a commission if you open an account through some links on this page.
Summary of GO2bank vs. PNC
Key Metrics at a Glance
| Feature | GO2bank | PNC |
|---|---|---|
| Top Savings APY | 4.50% High Yield Savings | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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. |
GO2bank
Strengths
- GO2bank offers a competitive APY of 4.50%, unchanged from 30 days ago.
- No maintenance fees if direct deposit is set up.
- GO2bank has a strong App Store rating of 4.8.
Potential Drawbacks
- GO2bank is not BBB accredited and has no rating.
- A checking account is required to open a savings account.
- Maintenance fee of $5 applies without direct deposit.
PNC
Strengths
- PNC has an A+ BBB rating, indicating strong trustworthiness.
- No maintenance fees for the PNC High Yield Savings account.
- PNC's App Store rating is 4.9, slightly higher than GO2bank's.
Potential Drawbacks
- PNC's current APY is lower at 3.53%, down from 3.85% in the last 30 days.
- Eligibility for the PNC High Yield Savings account is restricted.
- Standard Savings APY is very low at 0.03%.
→ As of November 14, 2025 GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ PNC yields $128 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), 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 GO2bank vs PNC
GO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewPNC - PNC High Yield Savings
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
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, GO2bank's total earnings would be $902.3 lower than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare GO2bank's vs PNC's Savings Accounts
| GO2bank | PNC | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | Standard Savings | PNC High Yield Savings |
| APY | 0.00% - 4.50% (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 | Quarterly | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $1 | $0 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | 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 | 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. | 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 | 4.5/5 | 4.6/5 | ||
| BBB Rating | Not Rated | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| GO2bank | PNC | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 4.50 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | 0.0 | -7.9 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.89 | 0.00 | |
| Days Since Last Change | 100 | 1 | 100 | |
| High (-3 m) | 4.50 % | 3.95 % | 0.03 % | |
| Low (-3 m) | 4.50 % | 3.53 % | 0.03 % | |
| Draw-down from High | 0.0 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.025 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 101 days.
- Low (-3 m)
- Lowest APY in the last 101 days.
- Draw-down from High
- How far today sits below the 3-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.