PNC High Yield Savings Account Review
PNC High Yield Savings account isn't available on Finder right now.
- Annual Percentage Yield (APY)
-
3.95%
- Fee
- $0
- Minimum deposit to open
- $0
Our verdict
Earn a competitive 3.95% APY with no fees, but only for residents of select states.
The PNC High Yield Savings account boasts 3.95% APY with no monthly fees. Its Low Cash Mode helps avoid overdrafts, while the Virtual Wallet includes savings, spending and budgeting tools. However, this account’s availability is limited to just 23 states, so you’ll need to check if your state is included before applying.
Best for: Residents of the eligible states seeking a high-yield savings account with budgeting tools.
Pros
-
Earn an impressive 3.95% APY on your balance
-
$0 monthly fees and opening deposit
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Savings features and overdraft protection
Cons
-
Only available in 23 select states, specifically without a PNC branch
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Other service fees may apply
-
Six monthly withdrawals before incurring a fee
What we like about PNC’s High Yield Savings
PNC Bank is an FDIC-insured bank, so the PNC High Yield Savings account has typical deposit insurance.
High APY and no monthly fees
PNC’s High Yield Savings account shines with its 3.95% APY, no minimum deposit and no monthly fees, making it easy to maintain. The account can easily be opened online and is also strictly accessed online.
It also features a Low Cash Mode in the PNC app, which alerts you to low funds. This feature helps prevent unwanted overdrafts by offering up to 24 hours to bring the account’s balance back up. The account has standard FDIC insurance.
Where it falls short
Amongst the biggest drawbacks of the PNC High Yield savings account is the restricted availability. To be eligible, you must live in select states, namely states that do not have a physical PNC branch.
If your state has a physical branch, you may only be eligible for the regular savings account, which does not offer a high rate. There are over 2,200 PNC branches in the US, so you can see how this limits availability to this specific product.
Another drawback is that PNC has an intricate fee schedule compared to other banks, including ATM fees, stop payment fees and relatively high overdraft fees.
Which states are eligible for the account?
Currently, only residents of the following states are eligible for the PNC High Yield Savings:
- Alaska
- Arkansas
- Connecticut
- Hawaii
- Idaho
- Iowa
- Louisiana
- Maine
- Minnesota
- Mississippi
- Montana
- Nebraska
- Nevada
- New Hampshire
- North Dakota
- Oklahoma
- Oregon
- Rhode Island
- South Dakota
- Utah
- Vermont
- Washington
- Wyoming
PNC Bank fees
While the PNC High Yield Savings account doesn’t have any monthly fees, if you make PNC your primary bank, consider these additional fees.
| Fee | Details |
|---|---|
Monthly Service Fees | N/A |
ATM Fees |
|
Debit Card Fees |
|
Overdraft/NSF Fees |
|
Wire transfer fees |
|
Other fees |
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Compare PNC’s High Yield Savings to other top savings accounts
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How we picked theseWhat is the Finder Score?
The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.
How to open a PNC high-yield savings account
To open the account, go to PNC’s high-yield savings page and first check your eligibility by inputting your zip code. If you are eligible, you will then be prompted to open the account by selecting Apply Now, and then follow the prompts to apply.
Customer reviews and ratings
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.09 out of 5 stars, based on 436 customer reviews |
| Trustpilot score | 1.3 out of 5 stars, based on 1,558 customer reviews |
| Apple App Store Score | 4.9 out of 5 stars, based on 1,700,000 customer reviews |
| Google Play Score | 4.5 out of 5 stars, based on 267,400 customer reviews |
| Customer reviews verified as of | 17 June 2025 |
PNC, like many other banks and financial institutions, doesn’t have a good customer rating on either Trustpilot or the Better Business Bureau (BBB). PNC is not BBB accredited, but does have an A+ rating, likely attributed to the bank’s response time and willingness to address customer complaints in a timely manner.
However, the bank receives a dull 1.09 out of 5 stars on the BBB. Customer complaints vary from the bank’s deposit services, lending and mortgage services, and the bank’s customer service. Many users also complain about fees.
On Trustpilot, the findings are similar, with many users complaining about online banking issues and customer service problems. Some users report issues with customer service or wait times in one of PNC’s branches.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Via customer survey commissioned by Finder
PNC isn't competitive when it comes to getting any perks with a savings account.
Via customer survey commissioned by Finder
Trust
Via customer survey commissioned by Finder
I've had nothing but good experiences with PNC
Via customer survey commissioned by Finder
limited interaction for a higher score
Via customer survey commissioned by Finder
Great rates
Via customer survey commissioned by Finder
I love my savings account. They give me a way to keep track of specific goals. I can even see how close I am to my goal
Via customer survey commissioned by Finder
They are wonderful and I have never had a problem.
Via customer survey commissioned by Finder
Very easy to do business with
Via customer survey commissioned by Finder
They have friendly and knowledgeable employees
Via customer survey commissioned by Finder
PNC is a solid bank with a good reputation which I can verify
Summer Finder
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