Jenius Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.30% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo Minimums | 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 Jenius Bank vs. PNC
As of Jenius Bank offers an APY of 4.05% for its Jenius 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.
Jenius Bank pays $75 more than PNC on a $10,000 balance after one year. Jenius Bank pays $405, while PNC pays $330 - an APY advantage for Jenius Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.30%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓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 4.0)
- ✓Higher rated Android app (4.6 vs 3.6)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $330/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $825/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $75 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with a high APY of 4.05%, making it an attractive option for savers with no minimum deposit or maintenance fees, and no direct deposit requirement. This online-only account is noted for its simplicity and strong returns, outperforming PNC's savings options. In contrast, PNC provides a Standard Savings account with a significantly lower APY of 0.03% and a High Yield Savings account at 3.30%, both of which may require linked accounts for better rates and have eligibility restrictions in certain states. Overall, Jenius Bank is the clear winner based on the provided data.
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
Jenius Bank vs. PNC Savings Calculator
You earn $75 more with Jenius Bank than PNC 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 | Jenius Bank | PNC |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Jenius Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.0 Android3.6 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | 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 Jenius 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 | Jenius Bank | PNC | |
|---|---|---|---|
| Jenius Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 4.05% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.7 | -5.6 | 0.2 |
Days Since Change | 50 | 21 | 251 |
10-Month High | 4.50% | 3.95% | 0.03% |
10-Month Low | 4.05% | 3.30% | 0.01% |
Adjustments / Mo | 0.19 | 0.39 | 0.10 |
Volatility Score | 0.019 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Jenius Bank vs...
Comparing against Standard Savings
Compare PNC vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.