Pnc vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of PNC vs. Wealthfront
Key Metrics at a Glance
| Feature | PNC | Wealthfront |
|---|---|---|
| Top Savings APY | 3.53% PNC High Yield Savings | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Eligibility restricted. | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
PNC
Strengths
- PNC offers a High Yield Savings account with a competitive APY of 3.53%.
- PNC has a high App Store rating of 4.9.
- PNC has no maintenance fees for its savings accounts.
Potential Drawbacks
- PNC's APY decreased from 3.85% to 3.53% over the last 30 days.
- Eligibility for PNC's High Yield Savings account is restricted.
Wealthfront
Strengths
- Wealthfront offers a higher APY of 4.15% for the first 3 months.
- Wealthfront has a high Google Play rating of 4.9.
- Wealthfront has no maintenance fees for its Cash Account.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after the initial 3 months.
- Wealthfront has a BBB rating of F, indicating trustworthiness concerns.
→ As of November 14, 2025 PNC offers an APY of 3.53% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $62 more than PNC on a $10,000 balance after one year. PNC pays $353, while Wealthfront pays $415 - an APY advantage for Wealthfront.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for PNC vs Wealthfront
PNC - 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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, PNC's total earnings would be $398.6 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare PNC's vs Wealthfront's Savings Accounts
| PNC | Wealthfront | |||
|---|---|---|---|---|
| Product | Standard Savings | PNC High Yield Savings | vs | Cash Account |
| APY | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | 3.50% - 4.15% (as of 11/14/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | No | Yes | |
| Compound Frequency | Monthly | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $1 | $0 | $0 | |
| Maintenance Fee | $0 / $5 (see bank for details) | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | 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 | United States | |
| Note | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | |
| App Store Rating | 4.9/5 | 4.8/5 | ||
| Google Play Rating | 4.6/5 | 4.9/5 | ||
| BBB Rating | A+ | F | ||
No historical data available.