Comparison

PNC BeneFit Plus vs PNC EarnedIt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

PNC BeneFit Plus4 screens
PNC EarnedIt4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
PNC BeneFit Plus versus PNC EarnedIt: the parameters behind the verdict, then further details
ParameterPNC BeneFit PlusPNC EarnedIt
PriceFreeFree
Rating4.4 (795 ratings)4.8 (6K ratings) — better
Positive reviews64.1% of reviews — better27.1% of reviews
Number of ratings7956K — better
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.1 — better
Further details — not scored
Size33 MB112 MB
Age rating17+4+
DeveloperPNC Bank, N.A.DAILYPAY INC

Customer experience

PNC BeneFit Plus

All ratings795 ratings
Positive84.5%
Neutral1.8%
Negative13.7%
Written reviews128 reviews
Positive64.1%
Neutral7.0%
Negative28.9%

PNC EarnedIt

All ratings5,813 ratings
Positive95.9%
Neutral1.4%
Negative2.7%
Written reviews85 reviews
Positive27.1%
Neutral4.7%
Negative68.2%

User reviews

PNC BeneFit Plus

From 795 App Store ratings

What 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 ratings

What 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

None

PNC BeneFit Plus

No in-app purchases

None

PNC EarnedIt

No in-app purchases

Questions

Is PNC BeneFit Plus free?
PNC BeneFit Plus is free to download, with no in-app purchases.
Is PNC EarnedIt free?
PNC EarnedIt is free to download, with no in-app purchases.
Which has better reviews, PNC BeneFit Plus or PNC EarnedIt?
PNC EarnedIt is rated higher. PNC BeneFit Plus averages 4.4 out of 5 from 795 ratings, while PNC EarnedIt averages 4.8 from 6K ratings.
Do PNC BeneFit Plus or PNC EarnedIt have ads?
Neither PNC BeneFit Plus nor PNC EarnedIt shows ads.
Which is updated more often, PNC BeneFit Plus or PNC EarnedIt?
PNC BeneFit Plus ships an update every 3 months, and PNC EarnedIt every 3 weeks. Most recently, PNC BeneFit Plus was updated on September 22, 2026 and PNC EarnedIt on September 23, 2026.

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