PNC vs One Comparison Summary: PNC customers have fees or minimums where One customers do not pay any fees and do not have account minimums. PNC customers do not have the option to get paid early with direct deposit where One customers with qualifying direct deposits can get paid up to two days early.** PNC customers can only earn .40% APY on their PNC savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. PNC customers do not have overdraft protection where One customers can enroll in fee-free overdraft protection. PNC customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. PNC customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.