Last Updated: 04/18/2025
SuperMoney User Recommendation Score +80
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
APY (Annual Percentage Yield)
0.01% - 0.03%(Verified 06/21/2024)
Disclaimer popup with additional information
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
$1
Number of Reviews
PNC Bank Standard Savings Account Review
PNC Bank Standard Savings Account is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC savings account are available in 19 states and Washington, DC.
Key Takeaways
- Own a qualifying PNC checking account and meet ONE of the following requirements to earn a higher relationship rate: Set up a qualifying monthly direct deposit of$500 to a Standard Checking account. $2,000 ($1,000 for WorkPlace or Military Banking customers) to a Performance Checking account. $5,000 to a Performance Select Checking account. Or, make at least 5 qualifying purchases in a month with your PNC Debit Card or a linked PNC Visa® Credit Card.
- Low interest rate. The maximum annual percentage yield for this account is only 0.03%.
- Charges a monthly fee. This account charges a monthly fee of up to $5, but the fee may be waived if you keep a minimum balance of$300.
PNC savings account Pros & Cons
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PNC savings account FAQ
Are savings accounts from PNC Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
Does PNC Bank offer a signup bonus?
Yes, PNC savings account offers a signup bonus.
Own a qualifying PNC checking account and meet ONE of the following requirements to earn a higher relationship rate: Set up a qualifying monthly direct deposit of$500 to a Standard Checking account. $2,000 ($1,000 for WorkPlace or Military Banking customers) to a Performance Checking account. $5,000 to a Performance Select Checking account. Or, make at least 5 qualifying purchases in a month with your PNC Debit Card or a linked PNC Visa® Credit Card.
What is the minimum initial deposit for PNC savings account?
The minimum deposit to open a PNC savings account is $25.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $300 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Account Transfer to Avoid Monthly Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does PNC Bank Standard Savings Account offer?
PNC savings account offers a variable APY starting at 0.01% and ranging up to 0.03% (APY stands for annual percentage yield, rates may change).
What fees does PNC savings account charge?
PNC savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
However, you can waive the monthly fees if you have a minimum daily balance of $300.
- Outgoing domestic bank transfers come with a $30 fee.
- Incoming domestic bank transfers come with a $15 fee.
- Outgoing international bank transfers come with a $45 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $15 fee.
- PNC savings account charges a $25 fee for an early account closure. Contact PNC savings account for more details on what is considered an early closure.
- An overdraft on your account will trigger a $36 fee per item.
Does PNC savings account charge overdraft fees?
Yes, PNC savings account charges a $36 overdraft fee.What features and perks does PNC savings account offer?
This savings account includes the following features:
- Fraud monitoring - PNC savings account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
- Mobile Banking Services - PNC savings account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Can you set up a direct deposit to PNC savings account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
How do people rate the customer service and user experience of PNC savings account?
Overall, PNC savings account is strongly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from PNC savings account
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM
Other Services by PNC Bank
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Auto Loans
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3
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Personal Lines of Credit
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Personal Loans
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Private Student Loans
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Other Savings Accounts from PNC Bank
APY (Annual Percentage Yield)
4.65%
Disclaimer popup with additional information
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$1
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
PNC Bank Standard Savings Account Community Reviews
Would you recommend PNC Bank Standard Savings Account to your friends?
Hector D.
Jan 27, 2021
May or may not recommend
I have maintained a savings account with PNC bank for almost three years now. Their interest rate is poor but you can earn a higher annual percentage yield if you also have a PNC checking account. They have friendly and helpful customer service including brilliant mobile and online banking features.
NC
Nick C.
Jan 21, 2021
May or may not recommend
I've used PNC for years now, and I have had zero problems with them. This account doesn't come with any unnecessary bells and whistles, which I appreciate. Setting up the account was quick and easy, and keeping track of it even more so. I highly recommend this product.
LS
Lester S.
Jan 3, 2021
May or may not recommend
I have been using PNC for six months now after moving to Pennsylvania. The best thing I like about PNC is they reimburse ATM fees (up to a certain amount) when you withdraw money from other Bank's ATM booths. Their executives in the bank are very helpful and friendly and also clear about their banking options. I would recommend them to anyone who is living in Pennsylvania.
JK
Josefina K.
Dec 22, 2020
May or may not recommend
So far ? so good. I have had this account since June 2020 and I love ?? it! The online chat bank is awesome . The no fee is a plus great interest rates . I have no complaints other than no deposit branches in my place . No complaints here !
DE
Daniel E.
Dec 10, 2020
May or may not recommend
PNC makes sense for students at its partner schools and anyone who needs an extensive set of budgeting and savings features; however, you will need to keep at least $500 in the bank to avoid monthly fees. It only has branch locations in 19 eastern states, and lacks the coast-to-coast availability that other banks like Chase and Bank of America have.
MW
Madison W.
Dec 2, 2020
May or may not recommend
I love this account. It is easy to manage and I always have access to it when I need it. PNC offers many different ways that you can save without even realizing that you are savings money and I have noticed that my money stays in this savings account more than it has in others that I have had in the past. I love the piggy bank feature because I ...Show More
JO
Jacob O.
Nov 17, 2020
May or may not recommend
With phase 1 coming in hot my wife and I were worried about our teenagers having a cushion for the "just incase" scenarios. They are both still working thankfully because they are considered essential employees. We were looking for a simple savings account for them to start building up a cushion just incase ...well incase life happened. We put them both with PNC savings because outside of a credit union ...Show More
DT
David T.
Oct 28, 2020
May or may not recommend
PNC is good but not the best bank in my experience. Too many hoops to jump through when you do your banking with them. Sometimes inconsistent with their banking policies. I believe they can make it best with an overhauling
SN
Susan N.
Oct 10, 2020
May or may not recommend
I was with PNC Bank for a number of years when I lived in Pennsylvania. They made it easy to open a checking account. A few years ago, afer I moved to North Carolina, I was thankful that PNC had expanded to the south and I opened a savings account. I was impressed how easy it was to open online and then to set up automatic transfers from my ...Show More
RM
Roger M.
Oct 8, 2020
May or may not recommend
PNC offers virtually any financial service that may on occasion be needed by a household or business. It also offers services in continuous or daily use, such as Checking and Savings accounts. Lone exception: it does not yet offer a Health Savings Account. That aside, its managers and staff are uniformly gracious, pleasant and knowledgeable.
Showing 10 of 10 reviews
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