Comparison

PINACLE Pass® vs NB|AZ Positive Pay

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

Head to head
About

PINACLE Pass®

This app generates one-time passcodes for secure authentication on the PINACLE desktop and mobile sites. Once your mobile token is activated by an administrator, you can easily access the required passcode to log in.

Highlights
  • Generates one-time passcodes
  • Secure authentication
  • Alternative to physical tokens
  • Token activation
  • Works with PINACLE desktop and mobile
Features
Read full description

PINACLE Pass® provides a secure, convenient alternative to carrying your physical token. Token passcodes generated with the PINACLE Pass App can be used on the PINACLE® desktop site and the PINACLE Mobile App any time a token passcode is required. Once a system administrator has assigned a mobile token to your Operator ID, you will be able to log in to the PINACLE Pass App to activate your token. After activation, and then anytime you open the app, you will see the one-time passcode needed for authentication. For questions or support, contact Treasury Management Client Care via telephone (1-800-669-1518) or via email (tmcc@pnc.com). PNC does not charge a fee for this application. However, third party message and data rates may apply. A supported mobile device is needed to use the PINACLE Pass App. Certain other restrictions may apply. See the Treasury Management Services Comprehensive Agreement. PNC and PINACLE are registered marks of The PNC Financial Services Group, Inc. (“PNC”). Bank deposit, treasury management products and services are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2026 The PNC Financial Services Group, Inc. All rights reserved.

About

NB|AZ Positive Pay

Read full description

The same great fraud control services you're used to -- now in the palm of your hand. Our new app makes it easier for you to review payment exceptions, enter issues and approve file maintenance on the go. The easy-to-use design is simple and quick. The best part is there are no additional fees.* To get started, you'll need to: - Be a registered Positive Pay client - Have a compatible mobile device - Connect to a mobile internet data service* *Message and data rates apply. Please check with your carrier for details.

Screenshots

PINACLE Pass®4 screens
NB|AZ Positive Pay4 screens

Verdict

The call

The clearest difference is update cadence: PINACLE Pass® at every 2 months against NB|AZ Positive Pay's every 87 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.

UpkeepUpdate frequency

PINACLE Pass® ships an update every 2 months, NB|AZ Positive Pay every 87 months. The most recent releases landed on November 9, 2026 and November 6, 2026 respectively.

Scorecard1 real difference · 9 level
PINACLE Pass® versus NB|AZ Positive Pay: the parameters behind the verdict, then further details
ParameterPINACLE Pass®NB|AZ Positive Pay
PriceFreeFree
Rating2.9 (16 ratings) — better—
Positive reviews7.1% of reviews—
Number of ratings16 — better—
Update frequencyEvery 2 months — betterEvery 87 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.6 — better
Further details — not scored
Size21 MB53 MB
Age rating4+4+
DeveloperPNC Bank, N.A.Zions Bancorporation, N.A.

In-app purchases

None

PINACLE Pass®

No in-app purchases

None

NB|AZ Positive Pay

No in-app purchases

Questions

Is PINACLE Pass® free?
PINACLE Pass® is free to download, with no in-app purchases.
Is NB|AZ Positive Pay free?
NB|AZ Positive Pay is free to download, with no in-app purchases.
Do PINACLE Pass® or NB|AZ Positive Pay have ads?
Neither PINACLE Pass® nor NB|AZ Positive Pay shows ads.
Which is updated more often, PINACLE Pass® or NB|AZ Positive Pay?
PINACLE Pass® ships an update every 2 months, and NB|AZ Positive Pay every 87 months. Most recently, PINACLE Pass® was updated on November 9, 2026 and NB|AZ Positive Pay on November 6, 2026.

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