PNC Savings

PNC has savings solutions to help you achieve your goals.

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.

- Alternate text here -
If you want innovative online money management tools to help spend, save and grow your money

Virtual Wallet is a comprehensive money management solution that allows you to view and manage your accounts in one place. It includes online tools specifically designed to help you meet your short- and long-term savings goals like Wish List, Savings Engine®, and Punch the Pig®.

Your Virtual Wallet comes with a Growth account which is for your long-term savings. Get rewarded with higher yield relationship interest rates on your balances in your Growth account, when you meet certain requirements depending on the type of Virtual Wallet you have.


Learn More

- Alternate text here -
If you want to make the most of your money, this account rewards your banking relationship with higher interest rates
  • Just $100 to open
  • Higher balances earn higher interest rates
  • Higher yield relationship rate when certain qualifications are met[1]
  • Unlimited deposits and transfers into the account
  • FDIC insured to the maximum permitted by law

Learn More

- Alternate text here -
If you want an easy way to jump start your savings and help you achieve your short- and long-term goals
  • Just $25 to open
  • Higher yield relationship rate when certain qualifications are met[2]
  • Unlimited deposits and transfers into the account
  • Auto Savings tool that allows you to establish a recurring savings routine
  • Overdraft protection - link your Standard Savings account to your PNC checking account[3]

Learn More

If you want a fun and friendly way to help you teach your child about saving, sharing and spending
  • Interactive online banking experience that presents basic money concepts with Sesame StreetTM tips on learning financial basics
  • No service charge for account holders under 18
  • Interest on balances starting at $1.00
  • With Goal Setting, set specific savings goals with your child that they can achieve over time


Learn More

If you want to earn a fixed interest rate - longer terms tend to offer higher rates
  • Fixed rate of return (earn higher rates with longer terms)
  • Variety of terms available ranging from 7 days to 10 years with automatic renewal
  • FDIC insured to the maximum permitted by law
  • Supplement retirement savings with a tax-deferred IRA CD

Learn More

If you want to save for retirement with tax advantages
  • Open with as little as $1000 for an IRA CD ($25 for an IRA Money Market)
  • Potential tax advantages
  • Fixed interest rates on IRA CD
  • Deposits can be made at anytime on IRA Money Market
  • Maximum annual contribution limits apply. Withdrawals before age 59½ may be subject to a penalty.


Learn More

If you want to save for qualified medical expenses with tax-advantages
  • Tax-advantaged contributions, earnings and withdrawals for qualified medical expenses[4]
  • Easy to use  - take your money with you if you switch jobs, retire or change medical coverage
  • Grow account with optional investments[5]
  • Low monthly maintenance fees and no additional set-up or transactions fees
  • Must have a qualified High Deductible Health Plan in order to qualify


Learn More

We Also Recommend

Strategies for Achieving Your Savings Goals

Enjoy top financial bloggers and videos as PNC Achievement Sessions brings you the scoop on savings. Topics include college, emergencies, military deployment and more.

View Sessions »

Calculators

To make solid financial decisions, it's essential to have the right numbers. At PNC, we provide you with direct access to a wide variety of calculators that can offer you vital information on budgeting, credit, paycheck planning and more.

Learn More »

Auto Savings

With Auto Savings, transfers will occur from your checking to your savings account - automatically, eliminating much of the discipline of saving money.

Learn More »

Important Legal Disclosures and Information

  1. In order to qualify for a Relationship Rate, you must have a linked checking account (for the Performance Checking Relationship Rate, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend; for the Performance Select Checking Relationship Rate, you must have a linked Performance Select Checking or Virtual Wallet with Performance Select) and meet 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 $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month.
    • Have $5,000 in qualifying direct deposits in a linked Virtual Wallet with Performance Select or 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 Premiere Money Market 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 there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Premiere Money Market account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.

  2. 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.

  3. 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.

  4. PNC does not provide legal, tax or accounting advice. Consult your tax advisor about tax benefits applicable to Health Savings Accounts.

  5. Investments are not FDIC insured, not bank guaranteed, may lose value.

Please see the Virtual Wallet Fine Print or the Account Agreement for Personal Accounts for additional information.

"Sesame Street®", "Sesame Workshop®" and associated characters, trademarks, and design elements are owned and licensed by Sesame Workshop.
©2015 Sesame Workshop. All Rights Reserved.

'S' is for Savings is a registered mark of The PNC Financial Services Group, Inc.

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