Optimal Capital vs PNC EarnedIt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optimal Capital
Read full descriptionHide 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.
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
Read full descriptionHide 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Optimal Capital | PNC EarnedIt |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (6.4K ratings) — better |
| Positive reviews | — | 27.1% of reviews |
| Number of ratings | — | 6.4K — better |
| Update frequency | Every 6 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 62 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | Optimal Capital Advisors, LLC | Daily 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
Optimal Capital
No in-app purchases
PNC EarnedIt
No in-app purchases
Questions
Is Optimal Capital free?
Is PNC EarnedIt free?
Do Optimal Capital or PNC EarnedIt have ads?
Which is updated more often, Optimal Capital or PNC EarnedIt?
Other comparisons















