PNC Savings Accounts

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Standard Savings

Standard Savings is a basic savings solution, great for a beginning saver –
whether building an emergency fund or establishing a savings habit. 

 

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What You Get:

  • $0 minimum deposit to open
  • No required minimum balance if you are under 18 years old
  • No ATM fees at PNC ATMs[5]
  • Unlimited deposits and up to 6 free withdrawals per month[6]
  • 24/7 online and mobile access to manage your savings[7,8]
  • Free PNC Banking card[9]
  • Ability to earn relationship rates[10]
  • Auto Savings to build your account balance with automatic transfers from a PNC checking account
  • FDIC insured to the maximum permitted by law

What You Need to Know:

Fees & Requirements

  • Minimum deposit to open online: $0
  • Minimum to earn interest[4]: $1
  • Monthly Service charge of $5, or $0 if one of the following is met:
    • Average monthly balance of $300  
    • Linked to a select PNC checking account
    • Set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account.
    • If you are under 18 years old

Service Charges & Fees

Account Agreement

Premiere Money Market

A Premiere Money Market allows you to make the most of your
money by earning higher rates as your relationship deepens.


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What You Get:

  • $100 minimum deposit to open online
  • Higher Relationship Rates when you link to a select PNC checking account and meet transactional requirements.[2]
  • Higher interest rates with higher balances
  • No ATM fees at PNC ATMs[5]
  • Unlimited deposits and up to 6 free withdrawals per month[6]
  • 24/7 online and mobile access to manage your savings[7,8]
  • Free PNC Banking card[9]
  • Auto Savings to build your account balance with automatic transfers from a PNC checking account
  • FDIC insured to the maximum permitted by law

What You Need to Know:

Fees & Requirements

  • Minimum deposit to open online: $0
  • Minimum to earn interest[4]: $1
  • Monthly Service charge of $12, or $0 if one of the following is met:
    • Average monthly balance of $5,000  
    • Linked to a select PNC checking account 

Check Current Premiere Money Market Rates*

Not ready to apply online?

 

Looking for Something Else?

Learn more about our other savings products »

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 »

 

 

Important Legal Disclosures & Information

  1. Please enter a ZIP code to receive accurate rate information for your area. Rates may change after account is opened. Fees may reduce earnings.

  2. 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 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.

    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. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

  6. PNC limits the number of transfers that may be made from a savings or money market account without incurring a fee.  Please see your account agreement and fee schedule for more information.

  7. 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.

  8. 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.

  9. Debit Card purchases not available.

  10. 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 there are 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, 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 Standard Savings account, 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.

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

Virtual Wallet 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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