PNC BeneFit Plus

Smarter Saving. Smarter Spending.

Save for qualified medical expenses on a tax-advantaged basis. Let your money grow so you can more easily afford your deductible when needed.

Safe, easy, secure

For PNC BeneFit Plus account holders

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8am - 8pm ET

Key Features

Tax Savings

Enjoy tax-advantaged contributions, earnings and withdrawals for qualified medical expenses.[1]

Easy Access

User-friendly website to manage your HSA accounts.

PNC BeneFit Plus Mobile

Manage your HSA account on-the-go.

Features and Benefits

The Healthy Benefits of a PNC Health Savings Account

  • Tax Savings – benefit from tax-advantaged contributions, earnings and withdrawals for qualified medical expenses.[1]
  • Control – you own the account and the money in the account, even if your employer contributes to it.
  • Long-term savings –  funds roll over from year-to-year if unused.  The balance in your HSA may grow  tax-free with no pressure to use the full balance by year-end. You may be able to use unused balances to supplement retirement income after age 65, subject to applicable income taxes.[2,3,4]
  • Ownership – your money stays with you even if you switch jobs, change medical coverage, become unemployed or retire.

PNC offers an affordable HSA with several features that make it easy to use and easy to get started.

  • Easy to access – PNC offers multiple ways to help manage your account:
    • Free online account access – access your account balance and transaction history via the PNC BeneFit Plus Consumer Portal. You can view your health spending and savings, manage investment options, etc.
    • Telephone – toll-free account owner customer service from 8am – 8pm ET Monday-Friday, excluding holidays.
    • Paper or electronic statements – quarterly and year end statements.
    • Mobile – manage your health expenses account while on the go; check balance information, view transaction details, utilize Expense Tracker for uploading receipts for record keeping purposes
  • Easy to pay – pay for qualified medical expenses with:
    • Your PNC BeneFit Plus debit card[2]
    • Online transfer from your HSA to a personal bank account
    • BillPay – request a reimbursement check for expenses paid out of pocket or request a check be sent to your provider
  • Easy to contribute – you can contribute online through the PNC BeneFit Plus Consumer Portal, via payroll deduction, via check through the U.S. Mail, or make scheduled or one-time contributions from your personal bank account.[4]
  • Ability to grow account – your HSA includes an FDIC-insured deposit account (covered to the extent permitted by law) with tiered interest rates. Plus you have the option to invest in a variety of multiple funds upon achieving certain minimum balance thresholds.[2,3,4]


Interest Rates & Fee Schedule

Minimum to open None
Monthly Service Charge
Required Monthly Balance to Avoid Service Charge $5,000
Annual Percentage Yield (APY)* FDIC Interest Rate Information
Account Balance Interest Rate Annual Percentage Yield%
$0.01 - $1,999.99 0.01% 0.01%
$2,000.00 - $4,999.99 0.01% 0.01%
$5,000.00 - $9,999.99 0.03% 0.03%
$10,000.00 - $24,999.99 0.05% 0.05%
$25,000.00 and up 0.07% 0.07%
Fees Download Fee Schedule


*Annual Percentage Yield (APY) accurate as of September 1, 2020 12:00:00 AM ET. Rates may change after account is opened. Fees may reduce earnings.

Bank will determine the applicable interest rate on the Bank Portion of the HSA in its sole discretion. At its discretion and without further notice to you, Bank may change the interest rate and annual percentage yield on the HSA at any time after you open your HSA. Fees may reduce earnings. For current interest rate information, please refer to the PNC BeneFit Plus Consumer Portal,, or call the toll-free number, 1-844-356-9993. Please refer to the Health Savings Account Disclosure Statement and Custodial Account Agreement for other important terms and conditions.


Important Legal Disclosures and Information

  1. To view a partial list of qualified medical expenses see IRS Publication 502 available at

  2. PNC does not provide legal, tax or accounting advice. Consult your tax advisor about tax benefits applicable to Health Savings Accounts or other benefit accounts such as FSAs, HRAs or QTAs.

  3. Shares of mutual funds are not deposits or obligations or guaranteed or endorsed by any bank or are they federally insured or otherwise supported by the Federal Deposit Insurance Corporate or other government agency. Investments in mutual funds may lose value, including possible loss of principal. Please read the prospectus carefully before you invest. Investments Not FDIC Insured. No Bank or Federal Government Guarantee. May lose value.

  4. Subject to IRS limits for the current tax year. To view current IRS annual limits, see IRS Publication 969 available at

PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”)

Banking and lending products and services, bank deposit products and Treasury Management services for clients and/or customers are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC.

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

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