Kids Savings Account

S is for Savings®– A kid-friendly bank account to help teach your child about saving, sharing and spending.

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Features & Benefits

PNC's S is for Savings account helps young kids learn financial basics
with tips from Sesame Street®.


What you get:

  • Interactive online banking experience
  • Interest on balances starting at $1.00[1]
  • Unlimited deposits and up to 6 free withdrawals per monthly statement period[2]
  • Convenient online and mobile access to manage your savings[3,4]
  • Auto Savings to help 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
  • Monthly Service Charge of $5, or $0 if one of the following is met:
    • Account holder is under age 18
    • Average monthly balance of $300
    • At least one Auto Savings transfer of $25 or more each monthly statement period from your PNC checking account

Service Charges & Fees

Account Agreement

Interactive Online Experience

Help your kid learn about and practice saving, sharing and spending money.

Sign into your PNC Online Banking and select the S is for Savings account. You will see a table with three jars: one for savings, one for sharing and one for spending. When you add money to the account, it appears on the table, where it's ready to be placed into any of the three jars, depending on how your kid wants to use it. As part of the experience, you and your kid can move money around as often as you like to reinforce the concepts of saving, sharing and spending.


Visit the Learning Center within the S is for Savings experience for financial basic tips from your favorite Sesame Street characters.

The Learning Center also includes a number of activities you and your kid can do together to build on the basic money concepts learned through the outreach initiative, For Me, for You, for Later: First Steps to Spending, Sharing, and Savings.

At PNC, we think starting early is important. And we're committed to helping kids start off right with financial education. That's why we offer tools to help you teach your kid basic money concepts.

PNC provides other resources for the older kids in your life.

Visit the Student Hub to Learn More »


How to Open an Account



Apply Online

You may need a mobile device with internet access for identification verification. Standard message and data rates may apply.



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Important Legal Disclosures and Information

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

  2. Transaction fees will apply to your account if you exceed six (6) Restricted Transfers in a monthly service charge period. Restricted Transfers are transfers from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. If you make more than a total of six (6) Restricted Transfers in a monthly service charge period, you will be charged a fee for each Restricted Transfer. See your account agreement and fee schedule for more information. Other limits may apply to your account. We reserve the right to suspend enforcement of these transaction limitations, or to modify them, at our discretion.

  3. 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.

  4. 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.

Sesame Street®", "Sesame Workshop®" and associated characters, trademarks, and design elements are owned and licensed by Sesame Workshop. © 2021 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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