PNC vs. Wealthfront
Comparing PNC and Wealthfront for high-yield savings: PNC's PNC High Yield Savings pays 3.30% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $16 more than PNC annually ($346 vs $330).
Choose PNC if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, you value in-person banking, or you want Zelle for quick transfers. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). PNC's 3.30% rate has no scheduled drop, though all rates are subject to change.
| Metric | PNCPNC High Yield Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% - 3.95% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing PNC vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 3.95%, which is notably higher than PNC's High Yield Savings at 3.30%. Wealthfront's account is online-only and does not require direct deposit, making it a straightforward option for users. PNC's High Yield Savings, while also a viable choice, is limited to residents of certain states and has a slightly lower yield. Both accounts have no maintenance fees and a minimum deposit of $0, but Wealthfront's higher APY makes it the preferred option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.95% 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
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $330/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $825/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $16 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
PNC vs. Wealthfront Savings Calculator
You earn $17.5 more with Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both PNC and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | PNC | Wealthfront |
|---|---|---|
| APY | 3.30% Verified: 2/21/2026 ↘︎ 0.23%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | PNC High Yield Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 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 | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | Eligibility restricted to select states. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Wealthfront | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | Cash Account | |
Current APY | 3.30% | 0.03% | 3.95% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -9.2 | -0.0 | -8.6 |
Days Since Change | 66 | 100 | 22 |
3-Month High | 3.53% | 0.03% | 4.15% |
3-Month Low | 3.30% | 0.03% | 3.90% |
Adjustments / Mo | 0.30 | 0.00 | 0.60 |
Volatility Score | 0.032 | 0.000 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare PNC's APY of 3.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.30% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Bank of America | 0.01% | $100 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Capital One | 3.30% | $0 |
| PNC vs Chase Bank | 0.01% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Citibank | 3.20% | $0 |
| PNC vs Discover Bank | 3.30% | $0 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Marcus by Goldman Sachs | 3.65% | $0 |
| PNC vs Newtek Bank | 4.20% | $0.01 |
| PNC vs Openbank | 4.09% | $500 |
| PNC vs Pibank | 4.60% | $0 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.50% | $0 |
| PNC vs Varo Bank | 5.00% | $0 |
| PNC vs Wells Fargo | 0.05% | $25 |