Standard Savings

An easy & convenient solution to help you jump start your savings routine.

Whatever your savings goal - building your emergency fund, saving for something special, or simply starting good savings habits - we provide access to tools and calculators to help you understand how to make the most of your money.

Fast, easy, secure

Apply online in as little as 10 minutes!

View rates in your area

Visit the interest rate center to see rates for this account.

Standard Savings Overview

Features and Benefits

  • Minimum to earn interest is $1[2]
  • No required minimum balance if you are under 18 years old
  • Unlimited deposits
  • FDIC insured to the maximum permitted by law
  • Auto Savings - Automatic transfers from PNC Checking to grow your savings
  • PNC Banking card [3,4]
  • Online view of prior 90-day's deposit tickets and Deposit Ticket detail list[5]
  • Unlimited account access by phone, web[6] and mobile[7]

Earn higher relationship rates

Own a qualifying PNC checking account and meet ONE of the following requirements[8] to earn a higher relationship rate:
  • Set up a qualifying monthly direct deposit of
    • $500 to a Standard Checking account
    • $2,000 ($1,000 for WorkPlace or Military Banking customers) to a Performance Checking account
    • $5,000 to a Performance Select Checking account
  • OR, Make at least 5 qualifying purchases in a month with your PNC Debit Card or a linked PNC Visa® Credit Card.

PLEASE NOTE: A qualifying PNC checking account must be linked to a Standard Savings account to earn the higher relationship rate.  Visit your local branch to ensure your accounts are linked.

Fees and Requirements

Minimum to open $25
To Avoid Service Charge
  • $300 average monthly balance
  • OR, set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account.
  • OR, if you are under 18 years old
Monthly Service Charge $5, if none of the requirements above are met
To Earn Interest $1 minimum


Tools & Calculators

Looking for how much you need to save to achieve your goals? Interested in seeing how much the rate will help grow your savings over time? Use our savings calculators to help you explore and decide.

Calculator: How much will my savings be worth?

Calculator: How much of a difference will the rate make?

How to Apply for a Savings Account

Find out what's involved in the savings application process.

Ways to Apply

  • Online through the website
  • By phone: 1-800-762-5684 (Mon - Fri: 7am to 10pm ET; Sat - Sun: 8am - 5pm ET)
  • In person at a branch

PLEASE NOTE: A qualifying PNC checking account must be linked to a Standard Savings account to earn the relationship interest rate.  Visit your local branch to ensure your accounts are linked.


Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. What this means for you: when you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.



Important Legal Disclosures and Information

  1. Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market or Savings account to a non-interest bearing checking account.

  2. See the Account Agreement for Personal Checking, Savings and Money Market Accounts - Interest Payment and Balance Computation section for details.

  3. For additional information regarding the PNC Banking Card, refer to the section of the Consumer Schedule of Service Charges and Fees pertaining to Debit Cards.

  4. Debit Card purchasing is not available.

  5. See the Image Pricing Detail in the PNC Bank Online section of the Consumer Schedule of Service Charges and Fees.

  6. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  7. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  8. In order to qualify for the Relationship Rate for Standard Savings, you must have a linked Standard Checking, Performance Checking, Virtual Wallet with Performance Spend, Performance Select Checking or Virtual Wallet with Performance Select and meet any one of the following requirements:

    • Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your Checking account using your Visa® Debit Card or to your linked Visa Credit Card.
    • Have $500 in qualifying direct deposits in a linked Standard Checking during the previous calendar month.
    • Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or a Performance Checking during the previous calendar month.
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or a Performance Select Checking during the previous calendar month.

    (A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature PIN, or a purchase made electronically or online using your debit card number, including recurring payments.)

    Starting with the calendar month following when you open your Standard Savings account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.

    If you or we make changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Standard Savings account), you may no longer qualify for a Relationship Rate.

Visa is a registered trademark of Visa International Service Association and used under license.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.