McNealy looked as though he might have the lead when he hit wedge on the final hole that rolled just by the cup and settled eight feet away. He missed the putt, still in great position to go after his first PGA Tour victory at Sea Island, Georgia on Sunday.
Whaley, also winless on tour, birdied the 18th for a 63 and will be playing in the final group for the first time on the PGA Tour.
McNealy, who joined him at 14-under 198, also shared the 54-hole lead in 2021 at the season opener in Napa, California.
Whaley was playing with a sense of freedom not everyone has at the final PGA Tour event this year. He was playing on a medical extension and fulfilled the necessary points in July. The next step was finishing in the top 125 in the FedEx Cup. He secured that last week with a tie for fifth in the Bermuda Championship.
Everything else feels like a bonus, and there could be no greater perk than a victory to get into the Masters and PGA Championship, along with a two-year tour exemption.
"I've really got nothing to lose and everything to gain, so I'm just excited for the opportunity," Whaley said.
Opportunity abounds going into the final round. Daniel Berger shot a 63 and played his way into the final group, just two shots behind. He was tied with former Sea Island winner Mackenzie Hughes (65), Michael Thorbjornsen (67) and Patrick Fishburn (69).
Berger and Thorbjornsen were among those who arrived at Sea Island outside the top 125, the number required to keep full status on tour on next year. Thorbjornsen already has that locked up as the No.1 player in the PGA Tour University ranking.
Berger needed a big week and he's delivering, even though he says he doesn't feel stress. Berger missed 19 months with a back injury that he feared might end his career. Now he's healthy enough to have played 27 times this year.
Henrik Norlander and Hayden Springer, also on the the wrong side of No.125, each shot 63 and were among those tied for 12th, a position that currently would let them move into the top 125.
Joel Dahmen, who had to make a 5-foot par putt on Friday to make the cut, shot 70 and was tied for 61st. He is at No. 24 and his future depends on a big round Sunday, along with how Thorbjornsen, Berger, Norlander and Springer fare.