Annual Percentage Yield (APY) accurate as of 03/23/25. The minimum balance to earn interest on your High Yield Savings account or Virtual Wallet Checking Pro Growth account is $1.00. We may refuse or return any deposit amount causing the combined balance of all of your PNC accounts to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly managed accounts).
Rates and APYs may vary and may change after account opening. Fees may reduce earnings. Available in eligible markets. Business accounts not eligible.
Features & Benefits
Setting up, funding and
accessing your funds is simple:
Fund your account with transfers from...
- An external account
- Deposit checks via your tablet or mobile phone[4]
- A PNC checking account
Minimum to open[1,2] — $0
Monthly service charge — $0
Cost of online or paper statements — $0
Online & Mobile Banking
Our Digital Tools Make Savings Easy
Account transfers.
Grow your savings by transferring from external or PNC accounts, with no fees or charges.
Automatic savings plans.
Set up automatic transfers to your High Yield Savings account so you can save without even thinking about it.
Mobile check deposit.
Make deposits wherever you are using our mobile app.[4]
Ready to Start Saving?
Frequently Asked Questions
You’ll start earning interest with a minimum balance of $1[1]. The rate is variable – which means it changes over time. It’s determined using many factors, including economic environment, value to customers and our competition. We continuously evaluate and set our rates.
When you apply online, we’ll place a hold on any deposits for up to 5 business days. This period starts the day you complete your application, or the next business day if you apply on a non-business day.
After the hold is removed, you can use the account and access your money according to normal funds availability (the Consumer Funds Availability Policy in the Account Agreement for Personal Checking, Savings and Money Market Accounts).
Once you've opened your account, you can deposit or transfer additional funds into your PNC High Yield Savings account in several ways:
Use Online Banking[5]: You can schedule automatic deposits and transfer from external or PNC accounts by enrolling in Online Banking[6]. You’ll need your Social Security number, Online Access PIN and PNC account number to complete setup. Get started or sign in
Use Mobile Banking[4]: Deposit checks or access your account on-the-go by downloading the PNC Mobile App to your device. For more information and to find the app that's right for you, check out our Mobile Apps Directory. Learn More
Send a Wire: To set up an incoming wire transfer you will need your account number and routing number. PNC Bank Routing Number: 043000096
- Bank by Mail: Be sure to sign the check(s) you are depositing and include a note with the deposit account information (account name, account number).
PNCBANK
P.O. Box 8108
Philadelphia, PA 19101-8101
When you open a new High Yield Savings account through PNC Online Banking, we will place an initial hold on the account for a period that will not exceed 5 business days, beginning with the business day on which your online application is completed (or next business day if application is completed on a non-business day). Deposits made during this period will not be available during this period for any purpose. When the initial hold is removed from your account, funds from your deposits, including deposits made during the initial hold period, will be available according to the other provisions of the Consumer Funds Availability Policy within the Account Agreement for Personal Checking, Savings and Money Market Accounts.
Virtual Wallet® Checking Pro
Checking and Savings. Together.
Accounts for spending, planning and saving + digital tools to help you manage your financial life. No minimum balance or monthly fees.
Now including Low Cash Mode®[7]