Comparison

Optimal Capital 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

Optimal Capital

Features
Read full description

This Mobile App is exclusively for clients of Optimal Capital Advisors, LLC. This is the mobile version of Optimal Capital's Client Portal (powered by Orion Advisor Technology) which provides clients the ability to access their investment holdings, portfolio performance, and much, much more.

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

Optimal Capital4 screens
PNC EarnedIt4 screens

Verdict

The call

The clearest difference is update cadence: PNC EarnedIt at every 3 weeks against Optimal Capital'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

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

Optimal Capital ships an update every 6 months, PNC EarnedIt every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
Optimal Capital versus PNC EarnedIt: the parameters behind the verdict, then further details
ParameterOptimal CapitalPNC EarnedIt
PriceFreeFree
Rating—4.8 (6.4K ratings) — better
Positive reviews—27.1% of reviews
Number of ratings—6.4K — better
Update frequencyEvery 6 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size62 MB113 MB
Age rating4+4+
DeveloperOptimal Capital Advisors, LLCDaily Pay Inc.

Bugs and requests

Optimal Capital

Not enough reviews yet to summarise bugs or requests.

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

Optimal Capital

No in-app purchases

None

PNC EarnedIt

No in-app purchases

Questions

Is Optimal Capital free?
Optimal Capital is free to download, with no in-app purchases.
Is PNC EarnedIt free?
PNC EarnedIt is free to download, with no in-app purchases.
Do Optimal Capital or PNC EarnedIt have ads?
Neither Optimal Capital nor PNC EarnedIt shows ads.
Which is updated more often, Optimal Capital or PNC EarnedIt?
Optimal Capital ships an update every 6 months, and PNC EarnedIt every 3 weeks. Most recently, Optimal Capital was updated on October 29, 2026 and PNC EarnedIt on October 30, 2026.

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