PNC BeneFit Plus vs PNC EarnedIt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PNC BeneFit Plus
Manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view claims, and file reimbursements with secure, real-time access to your account details.
- Check account balances
- View account details and charts
- File claims for FSA and HRA
- Submit receipts via photo
- Manage HSA transactions
- Pay bills and add payees
- Report lost/stolen debit card
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PNC BeneFit Plus Mobile for Apple Devices¹ Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply log in to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Your device will present you with a prompt to allow your location to be accessed; accepting the prompt will help minimize the request for additional security questions upon log in Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen *This is not the PNC Mobile Banking app, which allows you to access your bank and brokerage accounts. For questions or support, call or email the PNC BeneFit Plus Customer Service Center at 844-356-9993 or pncbenefitplus@healthaccountservices.com No personal or sensitive data is stored on the PNC BeneFit Plus mobile app. ¹ PNC does not charge for the PNC BeneFit Plus Mobile App. However, a supported mobile device is needed. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Apple®, iPod touch® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone® is a registered trademark of Apple Inc. PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). Banking and lending products and services, bank deposit products and treasury management services for clients and/or customers are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2018 The PNC Financial Services Group, Inc. All rights reserved.
PNC EarnedIt
Access a portion of your earned wages before payday. This app allows you to transfer funds to your bank account or card, with options for instant or next-day delivery. You'll still receive your remaining pay on your scheduled payday.
- Access earned wages before payday
- Transfer funds to bank account or card
- Instant or next-day fund delivery
- View available balance
- Receive balance change notifications
- Secure encryption
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Don’t wait for your earned pay any longer. If your employer is offering PNC EarnedIt, powered by DailyPay, you can transfer a portion of your unpaid earnings to an eligible bank account, debit card, prepaid card, or pay card. Transfer fees apply. Enrollment required. How PNC EarnedIt Works: ● Your available balance builds as you work throughout the week. ● View your available balance and withdraw money in the app (fees apply when making a transfer). ● Depending on your choice, you’ll receive your money in minutes (including weekends and holidays, 24/7/365) or on the next business day. ● Receive your remaining pay on payday, for no additional cost Benefits & Features: ● Access your available balance when you need it. Transfer a portion of your earnings to an eligible bank account, debit card, prepaid card, or pay card. ● Get insights into your available balance. ● Receive notifications of changes to your balance (Third party message and data rates may apply). Safe & Secure: PNC EarnedIt’s infrastructure is maintained by an experienced security and engineering team and uses 256-bit level encryption. Note: PNC EarnedIt powered by DailyPay is an employer-provided benefit. Ask your employer about PNC EarnedIt today!
Screenshots
Verdict
The clearest difference is review sentiment: PNC BeneFit Plus at 64% against PNC EarnedIt's 27%. PNC BeneFit Plus also leads on monetization model (free vs free with in-app purchases). PNC EarnedIt's advantage is rating (4.8 vs 4.4) and update cadence (every 3 weeks vs every 3 months). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PNC EarnedIt holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: PNC EarnedIt has 6K ratings behind it against 795, so its average is the more settled of the two. Written reviews complicate that: 64% of PNC BeneFit Plus's written reviews are positive against 27% of PNC EarnedIt's, so the app with the better star average is not the one people write more warmly about.
PNC BeneFit Plus ships an update every 3 months, PNC EarnedIt every 3 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.
| Parameter | PNC BeneFit Plus | PNC EarnedIt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (795 ratings) | 4.8 (6K ratings) — better |
| Positive reviews | 64.1% of reviews — better | 27.1% of reviews |
| Number of ratings | 795 | 6K — better |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 33 MB | 112 MB |
| Age rating | 17+ | 4+ |
| Developer | PNC Bank, N.A. | DAILYPAY INC |
Customer experience
PNC BeneFit Plus
PNC EarnedIt
User reviews
PNC BeneFit Plus
From 795 App Store ratingsWhat we love
- 🚀 Quick and easy to use
- 👍 User-friendly interface
- 💡 Convenient for managing HSA
- 🚀 Straightforward reimbursement process
- 👍 Helpful for tracking expenses
Room to improve
- 🐛 Login issues, inconsistent biometric authentication
- 🐛 Slow and buggy app performance
- 🔒 Concerns about security and account access
- 🔍 Difficulties with claims and reimbursement approvals
PNC EarnedIt
From 6K App Store ratingsWhat we love
- 🙏 Helpful when needed
- 💰 Allows early access to earnings
- 👍 Convenient for managing finances
Room to improve
- 🐛 App often glitches or freezes
- ⏱️ Delayed updates and transfers
- 💸 Charges fees for accessing own money
- 🤔 Unclear policies and communication
Bugs and requests
PNC BeneFit Plus
Reported bugs
3 issues- App crashes and freezes
- Login credentials not saved properly
- Debit card issues and declined payments
Requested features
3 requests- Ability to itemize payments to payees
- Option to upload receipts immediately after charges
- Improved investment tracking and management
PNC EarnedIt
Reported bugs
3 issues- Login issues and inability to access account
- Incorrect or missing transaction history
- Unexpected deductions from paychecks
Requested features
3 requests- Improve reliability and consistency of daily pay feature
- Provide more transparency around fees and policies
- Enhance customer support responsiveness
In-app purchases
PNC BeneFit Plus
No in-app purchases
PNC EarnedIt
No in-app purchases
Questions
Is PNC BeneFit Plus free?
Is PNC EarnedIt free?
Which has better reviews, PNC BeneFit Plus or PNC EarnedIt?
Do PNC BeneFit Plus or PNC EarnedIt have ads?
Which is updated more often, PNC BeneFit Plus or PNC EarnedIt?
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