PNC Savings

Savings solutions to help you achieve your goals whether you are just starting or planning for the longer term.

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Standard Savings

Standard Savings is a basic savings solution that is great for a beginning saver – whether building an emergency fund or just establishing a savings habit. Rates will vary based on your balance, so the more you save the more you earn.

Check All Rates

Prefer our Premiere Money Market account with even higher rates?

Learn More »


What You Get

  • Use Auto Savings to set up automatic transfers and grow your savings
  • Online banking access by web[6], on mobile[7]and by phone
  • FDIC insured to the maximum permitted by law
  • Ability to earn higher relationship rates[5]

Prefer our Premiere Money Market account with even higher rates?

View Account Details »

What You Need to Know

  • $25 minimum deposit to open.
  • $0 monthly service charge when you meet any ONE of the following requirements. 
    • $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
    • Otherwise, $5 monthly service charge

To earn higher relationship rates[5]

  1. Open a new PNC Standard Savings account.
  2. Link your new Standard Savings account to a Standard, Performance or Performance Select Checking account. Visit your local branch to ensure your accounts are linked.
  3. Make 5 or more monthly purchases with your PNC Debit or linked PNC Visa® credit card OR set up a qualifying monthly direct deposit.

Money Market

Up to % APY[1][3]

Annual Percentage Yield (APY)

With a relationship rate when linked with a Performance Select Checking account and a balance of $100,000 or more.

A Premiere Money Market is a savings account that helps to provide easy money management, along with tiered relationship rewards that provide higher interest rates on higher balances. Rates will vary based on your balance, so the more you save the more you earn.

What You Get

  • Some of our highest interest rates that reward you for saving more when linked with a select PNC checking account
  • Start earning interest on minimum balances as low as $1[4]
  • Use Auto Savings to set up automatic transfers and grow your savings
  • Online banking access by web[6], on mobile[7] and by phone 
  • FDIC insured to the maximum permitted by law

 

Prefer our Standard Savings account with a lower opening deposit requirement?

View Account Details »

What You Need to Know

  • $100 minimum deposit to open.
  • $0 monthly service charge with $5,000 average monthly balance. Otherwise, $12 monthly service charge.

To earn higher relationship rates[2,3]

  1. Open a new PNC Premiere Money Market account.
  2. Link your new Premiere Money Market account to a Performance or Performance Select Checking account. Visit your local branch to ensure your accounts are linked.
  3. Make 5 or more monthly purchases with your PNC Debit or linked PNC Visa® credit card OR set up a qualifying monthly direct deposit. 
 

Check Current Premiere Money Market Rates*

 

Interested in PNC checking in order to take
advantage of our relationship rates?

Check out Virtual Wallet® 

Checking and Savings. Together. Plus all the tools you need to stay on top of your money in one comprehensive digital banking experience. Learn More »

Save, Share and Spend together, with Sesame Street®.

PNC's 'S' is for Savings® account helps teach young children financial basics through an interactive, online experience with Sesame Street® tips. With this account, you can help your child learn about and begin to use money.

Explore 'S' is for Savings »

 

Still not sure what product is right for you?

Try our savings selector tool »

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Important Legal Disclosures & Information

  1. Please enter a ZIP code to receive accurate rate information for your area. Annual Percentage Yield (APY) accurate as of 9/1/20. Rates and APYs may vary and may change after account opening. Fees may reduce earnings. Business accounts not eligible.

  2. In order to qualify for a Relationship Rate for Performance Checking, you must have a linked Performance Checking or Virtual Wallet® with Performance Spend 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 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. 

    (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.

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges,  or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applied to all of your PNC accounts.

  3.  In order to qualify for a Relationship Rate for Performance Select Checking, 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 account using your Visa® Debit Card or to your linked Visa Credit Card.
    • 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.

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges,  or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applied to all of your PNC accounts.

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

  5. 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, inlcuding 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.

  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.

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

Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.

"Sesame Street®", "Sesame Workshop®" and associated characters, trademarks, and design elements are owned and licensed by Sesame Workshop.
© 2019 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

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