PNC vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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 PNC vs. Quontic Bank
As of PNC offers an APY of 3.30% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Quontic Bank pays $20 more than PNC on a $10,000 balance after one year. PNC pays $330, while Quontic Bank pays $350 - an APY advantage for Quontic Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
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)
Why Quontic Bank?
- ✓Higher potential APY (3.50% vs 3.30%) on all balances
- ✓Higher rated Android app (4.9 vs 4.6)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $330/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $825/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $20 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
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.50%, making it the standout choice compared to PNC's High Yield Savings account, which provides a lower APY of 3.30%. Quontic's account requires a minimum deposit of $100 and has no maintenance fees, while PNC's option has no minimum balance requirement but is restricted to select states. Both accounts do not require direct deposit, but Quontic's account is online-only, emphasizing simplicity with no bundling or caps on earnings. For those in eligible states, PNC's account is a secondary alternative.
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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PNC vs. Quontic Bank Savings Calculator
You earn $20 more with Quontic 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.
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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | PNC | Quontic Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | PNC High Yield Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.6 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Quontic Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | High Yield Savings | |
Current APY | 3.30% | 0.03% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | 0.2 | -1.8 |
Days Since Change | 21 | 251 | 8 |
10-Month High | 3.95% | 0.03% | 3.85% |
10-Month Low | 3.30% | 0.01% | 3.50% |
Adjustments / Mo | 0.39 | 0.10 | 0.19 |
Volatility Score | 0.057 | 0.289 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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