PNC vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 4.09% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
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 App |
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.
As of PNC offers an APY of 3.30% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $79 more than PNC on a $10,000 balance after one year. PNC pays $330, while Vio Bank pays $409 - an APY advantage for Vio 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)
- ✓Higher rated Android app (4.6 vs 3.4)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.30%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $330/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $825/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.6) and Android app rated 4.6 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $79 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
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, significantly higher than PNC's High Yield Savings account, which yields 3.30%. Vio Bank's account features no direct deposit requirement and is entirely online, making it a straightforward option for savers. In contrast, PNC's account is available only to residents of select states and may improve with a linked PNC account. While both banks have no maintenance fees if certain conditions are met, Vio Bank stands out for its superior APY and simplicity, making it the more attractive choice for those looking to maximize their savings.
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. Vio Bank Savings Calculator
You earn $79 more with Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | PNC | Vio Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | PNC High Yield Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Vio Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | Online Savings Account | |
Current APY | 3.30% | 0.03% | 4.09% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -18.1 | -0.0 | -2.6 |
Days Since Change | 21 | 54 | 1 |
2-Month High | 3.53% | 0.03% | 4.21% |
2-Month Low | 3.30% | 0.03% | 4.09% |
Adjustments / Mo | 0.55 | 0.00 | 1.09 |
Volatility Score | 0.033 | 0.000 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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