Get Started

Tell Us About Yourself

Make Your First Deposit

Get Ready to Bank

'S' is for Savings

Fast, Easy, Secure.
Apply Online in Less than 10 Minutes and Receive a Response Immediately

'S' is for Savings accounts opened online are titled as a transfer to minors (UTMA) account and are opened under a state's Uniform Transfer to Minors Act

A transfer to minors (UTMA) account is opened under a state's Uniform Transfer to Minors Act as a way of transferring legal title to property to a minor. This gift of funds to the minor is irrevocable.

UTMA allows the funds to be allocated in the minor's name and under the minor's tax reporting information.

as a way of transferring legal title to property to a minor. This gift of funds to the minor is irrevocable. A custodian

A custodian is charged with preserving and safeguarding a minor's funds. The custodian may be:
• The donor of the funds
• An adult 18 years of age or older
• The minor's guardian

Note the minor does not have transaction authority on the account. Only the custodian can transact on behalf of the minor.

must be designated. The custodian is the only person who can access the account or make deposits and withdrawals. A successor custodian

A successor custodian is an individual designated to take over custodial responsibility and safeguard the funds for the minor based on 1 of the following reasons:
• The custodian can no longer manage the financial responsibilities for the minor.
• A court order designates a new custodian.
• The custodian dies.

After opening the account online, a successor custodian can be added to the account by visiting a local PNC branch.

You are not required to appoint a successor custodian. However, if the custodian dies without a successor custodian being named, a parent of the minor will not automatically be allowed to act on the account.

may be designated and documented at a PNC branch after account opening. For more information, access the 'help' icon on the following page.
- Tout Container heading here -

First, tell us about yourself
You will need a photo ID. We'll also have you answer a few easy questions.

Make your first deposit
using one of our many funding options.

Print, sign, and mail
in your signature card.

Get Started

Is the custodian a U.S. citizen age 21 or older?

We are unable to accept online applications from non-U.S. citizen custodians under the age of 21 at this time. Please call us at 1-800-762-5684 or visit one of our branches to apply. Thank you for choosing PNC Bank.

To open this account, the minor must be a U.S. Citizen, 17 years of age or younger. Please call us at 1-800-762-5684 or visit www.pnc.com for more information on our products.

Need Help?
1-877-CALL-PNC

Speak to a sales representative about our products and services.

Visit Customer Service »

Find answers to FAQs and view additional phone numbers so we can further assist you.