Standard Savings

PNC’s Standard Savings is an easy and convenient savings solution designed 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 financial education tools and resources 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


Key Features

Just $25 to Open

Start building your personal savings to reach your financial goals and prepare for the unexpected.

Automatic Savings

Make automatic transfers from your checking to your savings accounts.

Overdraft Protection

Link your statement savings account to your PNC checking account.[1]

Features and Benefits

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

Get higher yield relationship interest rates

Own a qualifying PNC checking account and meet ONE of the following requirements[8] to get a higher yield relationship rate:
  • Set up a 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.

How to Apply

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. 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.

  6. 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.

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

  8. In order to qualify for the Relationship Rate, 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 direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)

    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