PINACLE Pass® vs WaFd Treasury Token
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Generates one-time passcodes
- Secure authentication
- Alternative to physical tokens
- Token activation
- Works with PINACLE desktop and mobile
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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.
WaFd Treasury Token
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WaFd Treasury Token works with WAFD Treasury Prime online banking by generating one-time passcodes that must be entered to complete transactions that require additional authentication. Clients utilizing Treasury Prime online banking have the option to select Software Token as the second factor authentication method for certain transactions that require it. As additional security measures account linking and access to the app requires the following: • account linking requires use of unique software activation key found within Treasury Prime. • Access to the app requires use of a local PIN self-defined by the user or biometric authentication. Enrollment in WAFD Treasury Prime is required. Contact your Washington Federal Relationship Manager, or call 877-423-9742.
Screenshots
Verdict
The clearest difference is update cadence: PINACLE Pass® at every 2 months against WaFd Treasury Token's every 6 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.
PINACLE Pass® ships an update every 2 months, WaFd Treasury Token every 6 months. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.
| Parameter | PINACLE Pass® | WaFd Treasury Token |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (15 ratings) — better | — |
| Positive reviews | 7.1% of reviews | — |
| Number of ratings | 15 — better | — |
| Update frequency | Every 2 months — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 21 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | PNC Bank, N.A. | WaFd Bank |
In-app purchases
PINACLE Pass®
No in-app purchases
WaFd Treasury Token
No in-app purchases
Questions
Is PINACLE Pass® free?
Is WaFd Treasury Token free?
Do PINACLE Pass® or WaFd Treasury Token have ads?
Which is updated more often, PINACLE Pass® or WaFd Treasury Token?
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