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    Pnc bank minimum deposit to open account


    pnc bank minimum deposit to open account

    PNC is offering checking bonuses of up to $300. Both bonuses require the following direct deposits within 60 days of account opening. Open an Old National checking account online. Have a total of $500 in direct deposits each month or Maintain a minimum daily balance of $750. minimum spend requirement3 Just establish a qualifying direct deposit and when they open their eligible PNC WorkPlace Banking checking account.

    Pnc bank minimum deposit to open account -

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    Do you always know what bank fees and charges you are going to pay when you open an account? Many banks charge fees for behaviors many customers did not even realize they were being charged for. These fees could be PNC overdraft fees, checks cost, safe deposit box cost, or something as hidden as paper statements.

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    PNC can have some of the steeper fees and charges that banks may charge. They are more transparent on their website about the charges, though, and it is much easier to identify the fees than with most other banking institutions.

    Overdraft Charges

    • Overdraft fees are charged per item that overdrafts the limit. Beware of a multitude of overdraft fees that can result in a quick $100+ in fees, however unlike most banks, PNC has an overdraft limit of 4 times a day, so the highest you can be charged in overdraft fees in one day is $144. PNC also has a $7 fee for each day your account is still overdrawn. Anytime your account balance drops below zero, this fee is charged per transaction.

    Overdraft Protection Transfer From Linked Savings Account

    • This fee is charged for the convenience of PNC Bank transferring money from your savings into your checking account. This fee is also paid on a per-item basis, so it can add up just as quickly as the overdraft fees.

    Wire Transfer

    • Wire transfers occur when money is electronically transferred from one bank account and deposited into another. Wire transfer charges vary depending on domestic or international services. Domestic wire transfer fees for the performance checking account are waived altogether. These fees can also occur when money from your PNC checking account transfers to another bank, even if both are in your name.

    Paper Statements

    • For some of the checking accounts PNC bank charges for paper statements. This extra $2 a month can add up over time, especially if you are a long-term customer. Adding images of checks on the paper statements will add another $1 per month.

    Safe Deposit Box

    • Safe deposit boxes are a service that PNC Bank’s offer to keep your valuables protected by multiple levels of security. The bank keeps a key, and you receive a key. The PNC safe deposit box cost can vary depending on the bank and the size, but they range from $42 for a 3×5 box to $75 for a 10×10 box.

    Early Account Closure Fee

    • PNC Bank charges a $25 fee to close an account that has been open for less than 180 days. It is important to keep this in mind when opening a PNC account, or the monthly service fees can add up or paying to close your account can be costly.

    PNC Bank offers traditional checking accounts such as the standard, performance, and performance select accounts. They each have their own service fees and changes, but they do all have a minimum opening amount of $25.

    This is the lowest tier of checking accounts with a service charge of  $7. This monthly service fee can be waived by completing any of the following: $500 average monthly balance in this account, $500 in qualifying monthly direct deposits to this account during the statement period, or if the account holder is age 62 or over.

    Affinity Visa Debit Cards (specialty cards)

    $10 per year

    Card Replacement

    $7.50 per card

    Cash Withdrawals at non- PNC ATMs (in U.S.)

    $3 per withdrawal

    Cash Withdrawals at non-PNC ATMs (out of U.S.)

    $5 per withdrawal

    Debit Card Cash Advance Fee (at PNC Branch)

    $3 each

    Debit Card Cash Advance Fee (not at PNC)

    $5 each

    Overdraft Fee

    $10 per transfer

    Overdraft Protection Transfer from linked Savings account

    $3 each

    Staff Assisted Transfers

    $2 per month

    Incoming Domestic Wire Transfer

    $3 per month

    Incoming International Wire Transfer

    $15 each

    Outgoing Domestic Wire Transfer

    $30 each

    Outgoing International Wire Transfer

    $45 each

    Wires Initiated over the phone

    $15 additional each

    Money Order (up to $1,000)

    $5 each

    This checking account is PNC Bank’s middle tier checking account with a service charge of $15. The monthly obligation can be waived by completing any of the following: $2,000 average monthly balance, $15,000 combined average monthly balance across linked PNC Bank consumer deposit, loan and/or PNCI investment accounts, or $2,000 in qualifying monthly direct deposits to this account during the statement period ($1,000 for WorkPlace or Military Banking customers). The benefit to this account compared to the standard checking is that interest is earned on the balance.

    Affinity Visa Debit Cards (specialty cards)

    $10 per year

    Card Replacement

    $7.50 per card

    Cash Withdrawals at non- PNC ATMs (in U.S.)

    $3 per withdrawal

    Cash Withdrawals at non-PNC ATMs (out of U.S.)

    $5 per withdrawal

    Debit Card Cash Advance Fee (at PNC Branch)

    $3 each

    Debit Card Cash Advance Fee (not at PNC)

    $5 each

    Overdraft Fee

    $36 per item

    Overdraft Protection Transfer from linked Savings account

    No charge

    Staff Assisted Transfers

    $3 each

    Paper Statements

    No charge

    Check Image Statements

    $3 per month

    Incoming Domestic Wire Transfer

    $15 each

    Incoming International Wire Transfer

    $15 each

    Outgoing Domestic Wire Transfer

    $30 each

    Outgoing International Wire Transfer

    $45 each

    Wires Initiated over the phone

    $15 additional each

    Money Order (up to $1,000)

    $5 each

    Cashier’s Check

    No charge

    The highest tier checking account that PNC bank offers is the performance select It charges a $25 monthly fee. This monthly obligation can be waived by meeting one of the following requirements: $5,000 combined average monthly balance in this and up to 8 linked PNC Bank consumer checking accounts, $25,000 combined average monthly balance across linked PNC Bank consumer deposit and/or PNCI investment accounts, $5,000 in qualifying monthly direct deposits to this account during the statement period. TTe monthly direct deposit necessary is $5,000. Monthly service fees are also waived on up to 8 additional consumer checking, saving, or money markets accounts that are linked to your performance checking.

    Affinity Visa Debit Cards (specialty cards)

    $10 per year

    Card Replacement

    No charge

    Cash Withdrawals at non- PNC ATMs (in U.S.)

    No charge

    Cash Withdrawals at non-PNC ATMs (out of U.S.)

    No charge

    Debit Card Cash Advance Fee (at PNC Branch)

    No charge

    Debit Card Cash Advance Fee (not at PNC)

    No charge

    Overdraft Fee

    $36 per item

    Overdraft Protection Transfer from linked Savings account

    No charge

    Staff Assisted Transfers

    No charge

    Check Image Statements

    No charge

    Incoming Domestic Wire Transfer

    No charge

    Incoming International Wire Transfer

    $15 each

    Outgoing Domestic Wire Transfer

    No charge

    Outgoing International Wire Transfer

    $45 each

    Wires Initiated over the phone

    $15 additional each

    Money Order (up to $1,000)

    $5 each

    Cashier’s Check

    No charge

    In addition to putting your money into a checking account, you can also invest your money in a PNC savings account, PNC Premiere Money Market account, or a Certificate of Deposit (CD). These accounts will accumulate more interest than the checking accounts that are offered, but the money is less liquid. Therefore, there are higher fees or limits to removing your money.

    Certificates of Deposit are savings accounts that pay a fixed interest rate for a set period of time, beginning at 7 days up to multiple years, to ensure that the money deposited will stay in the account. By depositing your money into a CD for a set term, you lock in your initial deposit principal and interest rate until your money matures. Your interest compounds daily and is generally paid monthly, although interest payments made quarterly, semi-annually, annually, or at maturity are also available. The interest rates on these accounts are much higher than an interest rate on a general savings account. There are very hefty fees for withdrawing the money early; however, PNC bank does not disclose what these fees are.

    Premiere Money Market accounts have a $100 minimum deposit to open the account and have a $12 monthly service fee. The fee for premiere money market accounts can be waived if the account holds an average monthly balance of at least $5,000.

    The other savings account offered by PNC Bank has a $25 minimum deposit to open and a $5 service charge that can be waived by meeting any of the following requirements: $300 average monthly balance in this account, at least one Auto Savings transfer of $25.00 or more each month from your PNC checking, account holder is under age 18, or first year for Foundation Checking customers.

    PNC Virtual Wallet helps you manage all of your money in one place. You can pay bills, track spending by category, set savings goals, and more. The Virtual Wallet is made up of, what they call, Spend, Reserve, and Growth. Spend represents a primary checking account, Reserve represents a short-term savings account, and Growth represents a long-term savings account. There are three different levels of virtual wallet: the regular virtual wallet, performance spend virtual wallet, and performance select virtual wallet.

    The fees between the accounts are the same as the normal checking accounts, but the monthly fees can be waived easier because the funds in the accounts can be combined to meet the minimum. For instance, the $7 for the monthly service fee for Virtual Wallet service charge can be waived with $500 combined average balance in Spend and/or Reserve accounts. The standard PNC Virtual Wallet fees are the same fees for the Standard checking account.

    The Performance Spend virtual wallet has the same fees and charges as the PNC Performance checking account. The Virtual Wallet service charge can be waived with $2000 combined average balance in Spend and/or Reserve accounts.

    The Performance Select account has the same fees and charges as the PNC Performance Select checking account. The monthly service fees of $25 can be waived with $5000 combined average balance in Spend and/or Reserve accounts, or 6 PNC Bank consumer checking accounts that have been linked.

    When opening a PNC Bank’s account, whether it be checking, savings, virtual wallet or a CD, it is important to know and understand penalties and withdrawal limits for each.

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    Overview

    PNC Bank offers a wide range of banking products from a simple checking account to a high-earning long-term CD. At the base level, the bank doesn’t offer very high interest rates. However, you are given a few opportunities to boost your rates through higher account balances or account relationships. 

    What stands out about PNC Bank is its Virtual Wallet® product. It includes various tools and resources to help you pay bills, save for both short-term and long-term goals, manage your paychecks and more.

    Read on below to explore PNC Bank's many offerings.

    ProductKey Details
    Savings Accounts
    • Two account options, including one for kids
    • Relationship rate boost available
    Certificates of Deposit
    • Four account options
    • Relatively high minimum balances 
    • Certain accounts offer more flexibility and liquidity
    Money Market Account
    • Rate boost available with account linking and higher balances
    • Offers high savings and liquidity
    Checking Accounts
    • Three account options, with two interest-earning accounts
    • Low and waivable monthly fees
    • Perks and benefits available through account ownership
    IRAs
    • Available as a CD or Premiere Money Market account

    PNC Bank Interest Rate Comparison

    PNC Bank Overview

    PNC Bank offers a lot more than just what you see here. Not only can you open a money market account, but you can save for retirement, invest, get a home loan and so much more. This allows you to keep all your money and assets in one place if you so choose. 

     

    Save more with these rates that beat the National Average

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    PNC Bank Account Features

    PNC Bank offers a number of savings accounts from four different certificates of deposit to a Premiere Money Market account. While each account doesn’t earn the highest rates at the start, you do have some opportunities to get a rate boost, especially when you have higher account balances.

    Plus, PNC Bank offers its Virtual Wallet® product which makes banking even more accessible and convenient. Your Virtual Wallet® will include various tools to help you pay bills, budget, save and more. 

    Banking with this institution gives you free and easy access to online and mobile banking. You also have thousands of ATMs and locations to choose from, depending on where you live. 

    Compare PNC Bank to Other Competitive Offers

    PNC Bank Savings Account: PNC Standard Savings

    Key FeaturesDetails
    Minimum Deposit$25
    Access to Your Savings AccountOnline, mobile and physical branches.
    SecurityFDIC-insured deposits up to the legal limit.
    Fees$5 monthly fee, waivable with one of the following
    • Average monthly balance of at least $300
    • Set up an auto savings transfer of at least $25 each month from a PNC checking account
    • If you're under 18 years old
    Current Terms and RatesRates based on SmartAsset's NYC location.
    • Standard Rates: 0.01% APY
    • Relationship Rates:
      • Account balances of $1 - $2,499.99: 0.02% APY
      • Account balances of $2,500 and over: 0.03% APY 

    This account from PNC Bank lives up to its name by providing a standard and simple approach toward savings. It is advertised as the account that can help you reach your savings goal, whether that’s an emergency fund or for a special gift. Plus, you’ll have access to financial education tools and resources to help you better understand and manage your money. 

    This account doesn’t earn at the most competitive interest rate. It’s important to double check your exact interest rate, too, since the bank’s rates can change by location. You do have the opportunity to boost your rate slightly by linking a PNC checking account to your savings account. You will also have to set up a qualifying monthly direct deposit to the linked checking account or make at least five qualifying purchases each month with your debit card or PNC Visa® credit card. Be sure to check your agreements to know exactly what you need to do to snag the rate boost. 

    You can set up automatic transfers from your checking account so your savings becomes mindless. This account relationship also allows for overdraft protection for your checking account. That way, you can avoid heavy overdraft penalties by covering yourself with your savings account.

    In addition to unlimited and free access to the bank and your money by phone, web and mobile, you’ll also receive a free PNC Banking card. 

    PNC Bank Savings Account: PNC ‘S’ is for Savings

    Key FeaturesDetails
    Minimum Deposit$25
    Access to Your Savings AccountOnline, mobile and physical branches.
    SecurityFDIC-insured deposits up to the legal limit,
    Fees$5 monthly fee, waivable with one of the following
    • If you're under the age of 18
    • Maintaining a minimum monthly balance of $300
    • Establish an automatic transfer (Automatic Savings) of at least $25 each month
    Current Terms and RatesRates based on SmartAsset's NYC location: 0.01% APY 

    This is PNC Bank’s savings account for kids. Like most children’s savings accounts, this account can help you teach your children about finances and money management. However, PNC Bank offers these tips and resources with characters from Sesame Street®, hopefully making it more enjoyable and useful for your child. You, your child and Sesame Street® can work through activities to build basic money concepts like sharing and saving. You can also set specific savings goals with your child that they can tangibly achieve. 

    PNC Bank Fixed Rate CD (Certificates of Deposit)

    Key FeaturesDetails
    Minimum Deposit
    • 7 - 89 Day: $5,000
    • 90 Day - 10 Year: $1,000
    Access to Your CDOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law
    FeesNone

     

    Current TermsCurrent Rates (based on SmartAsset's NYC location)
    1 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    3 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    6 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    12 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    18 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    24 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    36 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    48 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    60 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    84 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY
    120 Month
    • Account balances of $1,000 - $9,999.99: 0.02% APY
    • Account balances of $10,000 - $24,999.99: 0.02% APY
    • Account balances of $25,000 - $99,999.99: 0.03% APY
    • Account balances of $100,000 - $499,999.99: 0.03% APY
    • Account balances of $500,000 and over: 0.03% APY

    A certificate of deposit (CD) account offers a more structured way of saving. You choose your account term length, make your deposit and then wait for the term to end to access your funds again. Luckily, CDs tend to earn at higher interest rates than regular savings accounts. Typically, the longer the term length, the higher the interest rate. 

    This Fixed-Rate CD offers just that: a fixed rate for the duration of your CD term. You have a wide variety of term lengths to choose from, ranging from seven days to 10 years. This allows you to work towards both your short-term and long-term savings goals.

    You can open this account as a Multiple Maturity Fixed-Rate CD. This will automatically renew your CD at maturity at the same rates and terms. If at a maturity date you don’t want to renew, you can always take action to withdraw or transfer the funds or change the terms of the CD. 

    If you’re looking to save for retirement, you can open a Fixed-Rate CD as an IRA CD. The same rates still apply. Just be sure to state that you want to open the CD account as an IRA when you’re applying.

    PNC Bank Ready Access CD (Certificates of Deposit)

    Key FeaturesDetails
    Minimum Deposit$1,000
    Access to Your CDOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    FeesNone
    Current Terms and RatesRates based on SmartAsset's NYC location.
    • 3 Month: 0.01% APY
    • 12 Month: 0.02% APY

    PNC Bank’s Ready Access CD changes up a key factor of CDs. After the first seven days of account ownership, you can access your funds at any time. This allows for more flexibility in case you should need some money in an emergency. 

    Ready Access CDs come in term lengths of three to 12 months. The bank does occasionally offer promotional accounts with more term lengths. Again, your CD will automatically renew at maturity unless you take action to the opposite. 

    PNC Bank Variable Rate CD (Certificates of Deposit) 

    Key FeaturesDetails
    Minimum Deposit$1,000
    Access to Your CDOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    FeesNone
    Current Terms and RatesTies to the 3-month Treasury bill

    PNC Bank’s Variable Rate CD earns at a rate dependent on the three-month Treasury bill. The bank bills this as an opportunity for peace of mind when saving, knowing that your rate will climb with the Treasury bill. 

    All PNC Bank Variable Rate CDs come as an 18-month term. When it matures, you can withdraw your funds or leave it alone to renew for another 18 months. You will have to call the bank to open a Variable Rate CD. 

    PNC Bank Step Rate CDs (Certificates of Deposit)

    Key FeaturesDetails
    Minimum Deposit$2,500
    Access to Your CDOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    FeesNone
    Current Terms and RatesTies to the 3-month Treasury bill

    Finally, PNC Bank’s Super Six Step Rate CD offers a savings option with an interest rate that increases every six months during its 36-month term. These rates also depend on the Treasury bill. You can find out the exact rates when you open the account. 

    You will have access to the account funds at certain points within 36 months. At the end of each six-month period, you’ll have a 10-day window to access your funds without facing a penalty. To apply for an account, you’ll have to call the bank.

    PNC Bank Premiere Money Market Account

    Key FeaturesDetails
    Minimum Deposit$100
    Maximum Deposit$10,000
    Access to Your AccountOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    Fees$12 monthly fee (waivable with an average monthly balance of at least $5,000)
    Current Terms and RatesRates based on SmartAsset's NYC location.
    • Standard Rates
      • Account balances of $1 - $9,999.99: 0.02% APY
      • Account balances of $10,000 - $24,999.99: 0.02% APY
      • Account balances of $25,000 - $49,999.99: 0.02% APY
      • Account balances of $50,000 - $99,999.99: 0.02% APY
      • Account balances of $100,000 - $499,999.99: 0.02% APY
      • Account balances of $500,000 -$999,999.99: 0.02% APY
      • Account balances of $1,000,000.00 and over: 0.02% APY
    • Relationship Rates with Performance Checking
      • Account balances of $1 - $9,999.99: 0.03% APY
      • Account balances of $10,000 - $24,999.99: 0.03% APY
      • Account balances of $25,000 - $49,999.99: 0.03% APY
      • Account balances of $50,000 - $99,999.99: 0.03% APY
      • Account balances of $100,000 - $499,999.99: 0.03% APY
      • Account balances of $500,000 -$999,999.99: 0.03% APY
      • Account balances of $1,000,000.00 and over: 0.04% APY
    • Relationship Rates with Performance Select Checking
      • Account balances of $1 - $9,999.99: 0.05% APY
      • Account balances of $10,000 - $24,999.99: 0.05% APY
      • Account balances of $25,000 - $49,999.99: 0.05% APY
      • Account balances of $50,000 - $99,999.99: 0.05% APY
      • Account balances of $100,000 - $499,999.99: 0.05% APY
      • Account balances of $500,000 -$999,999.99: 0.05% APY
      • Account balances of $1,000,000.00 and over: 0.06% APY

    PNC Bank offers one money market account, the Premiere Money Market account. This account can help you manage your money easily, especially with free online and mobile access. Plus, you will receive a free PNC Banking card connected to the account, as well. 

    You have a couple of opportunities to grow your money at higher rates with this account. For starters, the higher your account balance climbs, the higher the interest rate. You can also snag higher rates by linking the account with a PNC Bank checking account and meet a few other requirements depending on the checking account you link. Be sure to read over any account agreements so you know exactly how to qualify. 

    With the Premiere Money Market Account, you won’t be charged for withdrawals or transfers. You’ll also be able to set up auto savings which will automatically make transfers from a checking account to your money market account.

    You can open this account as a retirement savings vehicle. Just make sure to state that this is how you want to open the account. Doing so can allow for solid retirement savings, but also the flexibility of withdrawing without penalty when you need to.

    PNC Bank Standard Checking Account

    Key FeaturesDetails
    Minimum Deposit$25
    Access to Your Checking AccountOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    Fees$7 monthly fee, waivable with one of the following 
    • At least $500 in total qualifying direct deposits each statement period
    • Average monthly balance of at least $500 in checking
    • Account owner is age 62 or older

    PNC Bank offers three different basic checking accounts (as opposed to its Virtual Wallet offerings). To start, the Standard Checking account offers the basics without too many bells and whistles. You can use your PNC Bank Visa® Debit Card at thousands of PNC ATMs. Plus, you’ll receive some reimbursement for non-PNC ATM fees you run into. You’ll also have easy and free access to online and mobile banking and Bill Pay and free check writing abilities. 

    A big feature of owning a PNC Bank checking account is the ability to earn cash back through PNC Purchase Payback®. You can earn rewards just by using your debit card at the places you already shop. The more you use your card, the more rewards you can earn. 

    PNC Bank Performance Checking Account

    Key FeaturesDetails
    Minimum Deposit$25
    Access to Your Checking AccountOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    Fees$15, waivable with one of the following 
    • At least $2,000 in total qualifying direct deposits each statement period
    • Average monthly balance of at least $2,000 in checking
    • Combined average monthly balance of at least $15,000 in PNC consumer deposits/loans/investments
    Current Terms and RatesRates based on SmartAsset’s NYC location: 0.01% APY

    Next up is the PNC Bank Performance Checking account. You’ll receive a PNC Bank Visa® Debit Card which you can use to access you money at thousands of PNC ATMs. You also have the liberty of using non-PNC ATMs, without worrying too much about ATM fees since the bank will reimburse you for a portion of those fees.

    This is an interest-earning account, but only for balances of $2,000 and over. You can also earn cash rewards through the PNC Purchase Payback® program. Other perks include unlimited check writing, design check discounts, free overdraft protection, safe deposit box discount and one free savings or money market account. 

    Your Performance Checking account perks extend beyond the account itself, too. Having this account can snag you bonus rewards with your PNC Visa Credit Card and higher savings account interest rates, including CDs and IRA CDs. 

    PNC Bank Performance Select Checking Account

    Key FeaturesDetails
    Minimum Deposit$25
    Access to Your AccountOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    Fees$25, waivable with one of the following
    • At least $5,000 in total qualifying direct deposits each statement period
    • Average monthly balance of at least $5,000 in checking accounts, including linked accounts
    • Combined average monthly balance of at least $25,000 in PNC consumer deposits/investments
    Current Terms and RatesRates based on SmartAsset’s NYC location: 0.01% APY

    Finally, the Performance Select Checking account offers the highest tier of perks and benefits. This account builds on the Performance Checking account’s features like earning interest, free cashier’s checks, free overdraft protection and more. However, this account allows you to open up to eight free checking, savings or money market accounts. The account offers full reimbursement for all non-PNC Bank ATM fees. You’ll also get free domestic wire transfers, PNC Exclusive checks, ATM statements and stop payments. Plus, the bank will provide account holders with identity-theft reimbursement insurance of up to $10,000. 

    By owning this account, you can earn higher bonus rewards with your PNC Visa® Credit Card, higher interest rates on Premiere Money Market or Standard Savings account and higher rates on CDs and IRA CDs. You can also see a discount on consumer home equity and consumer personal line of credit accounts and safe deposit boxes. 

    PNC Bank IRAs: Fixed Rate CD IRA and Premiere Money Market IRA

    Key FeaturesDetails
    Minimum Deposit
    • 7 - 89 Day: $5,000
    • 90 Day - 10 Year: $1,000
    Access to Your CDOnline, mobile and physical branches.
    SecurityFDIC insurance up to the maximum amount allowed by law.
    FeesNone
    Current Terms and RatesSee above Fixed-Rate CD and Premiere Money Market rates

    These PNC Bank IRA offerings mimic the bank’s Fixed-Rate CD and Premiere Money Market accounts. The limits and rates remain the same. You just have to make sure you state you want to open the CD or MMA as an IRA. It is often best to visit a branch to get the most accurate information and an easier application process.

    Where Can I Find PNC Bank?

    You can find PNC Bank online at www.pnc.com, on its mobile app or at over 2,000 branches. You’ll have easy access to the bank and its products online. However, its physical branches are limited to 19 states in the East and Midwest regions and the District of Columbia.

    What Can You Do Online With PNC Bank?

    You can do a ton online with PNC Bank. For starters, you can explore all the bank’s financial offerings, from banking accounts to home refinancing to wealth management all right from the homepage (shown here). Then when you find the account or product you want to open, you can easily apply online, too. 

    Once you’re a customer, you’ll be able to access your account(s) by logging in through the website. There, you’ll find your balances, transactions, money management tools and more. You can also access these features on mobile. 

    How Do I Access My Money?

    You can access your money online, on mobile, at ATMs or branches and over the phone. To access your money online and on mobile, you’ll need to provide your login information. You’ll also need to provide personal and account information to access your money at ATMs, branches and over the phone. 

    PNC Bank Virtual Wallet®

    An important product in PNC Bank’s offerings is its Virtual Wallet®. This combines various tools to help you spend, save and grow your money. When you open a Virtual Wallet®, your accounts and tools are all kept in one place with easier ways to manage your funds, whether that’s making transfers or paying pills. The Virtual Wallet® page, shown here, outlines and visualizes everything that goes into your wallet. 

    The ‘Spend’ function is essentially your primary checking account. This will track your purchases and ATM transactions. You’ll also use spend to pay any bills. “Reserve” is your wallet’s short-term savings account. This helps with overdraft protection and upcoming expenses. You can transfer money from ‘Reserve’ to ‘Spend’ at no charge. ‘Growth’ is the third main account, which is your long-term savings account. This can serve as your second line of overdraft protection, but is also perfect for saving for retirement, a car, a home and more. Lastly, you can choose to add a PNC Credit Card to your Virtual Wallet®. This account isn’t mandatory or automatically included, but it does provide added perks to your PNC Credit Card. 

    Your Virtual Wallet® perks start with the Calendar, Bill Pay and Danger Day?. This tracks everything from payday to scheduled bill reminders. Danger Day? alerts you in red on your calendar to notify you when you’re at risk of overdrawing your account to pay bills. Money Bar® will show you the money Scheduled Out to go (for bills and other payments), money that’s free to spend and the money in Reserve that you’ve stashed away. Here, you can also make adjustments as needed with a simple slider function. Your Wish List is where you can set fun goals for yourself like your next vacation. You can set different priorities for each item on your Wish List.

    The Spending + Budget function shows you where your money is going each month in a more specific way with categories like education, restaurants and entertainment. You can also set up reminder emails so you don’t max out your budget. Since it’s easy to spend without a second thought, you’ll also have access to Savings Engine® which sets aside funds automatically on paydays and bill due dates. Through this and the tool Punch the Pig®, you can “punch” a cartoon pig on your online banking account to transfer money from “Spend” to “Growth.” 

    There are a few different Virtual Wallets you can choose from. The basic Virtual Wallet comes with the Standard Checking account. You can earn cash through PNC Purchase Payback and bonus rewards on your PNC points® Visa Credit Card.

    The next level Virtual Wallet goes with Performance Checking as your “Spend” account. This will also earn bonus rewards on a PNC Credit Card, but also includes interest earned on certain balances and some waived non-PNC Bank fees.

    To earn higher rewards, you can open a Virtual Wallet with Performance Select, earning you premium account features and the highest level of rewards and benefits for your credit cards and account balances.

    Finally, you can open a Virtual Wallet Student, which provides students and their parents with an easier way to manage money while the student is away at school.

    How Can I Save More Money With a PNC Bank Account?

    At a base level, PNC Bank doesn’t offer the highest interest rates when it comes to savings accounts. However, there are a couple different ways to save more money with a PNC Bank Account. For one, you can make a larger deposit toward accounts that have balance tiers to earn at a higher interest rate. Linking certain bank accounts together can also unlock higher interest rates. There are even levels of accounts that you can link so as to get the highest rewards and interest rates. Plus, if you have a high account balance and linked accounts, you’ll be earning at the highest rates possible (depending on whether the account qualifies). 

    What’s the Process for Opening an Account With PNC Bank?

    You can open just about any PNC Bank account that you would like on the bank’s website. It’s as simple as clicking an “APPLY NOW” button for the account you would like to open and finding yourself on the first page, shown here. You will need to enter your zip code on the website to find the most accurate list of accounts available to you depending on your location. You may have to call the bank at 1-800-762-5684 to open certain accounts. 

    The application process will typically take around 10 minutes to complete. To apply, you’ll need to provide personal information like your government issued photo ID, Social Security number, date of birth and addresses. You’ll also need to provide existing account information in order to make your initial account deposit. 

    To apply for a Fixed-Rate CD or Ready Access CD, you will need to print out the contact forms provided on the website to send to the bank. With IRAs, it may also be easier to visit a branch. That way, you can have all the paperwork and terms and conditions in front of you and explained to you.

    What’s the Catch? 

    One catch to banking with PNC is that the savings rates aren’t the most competitive in the industry. That means you can grow your money faster with other banks. Luckily, PNC doesn’t offer the lowest rates so if you do want to bank here, your money will still grow. 

    To get the highest rates the bank offers, however, you will need to jump through a few hoops. One way is to have higher account balances, rather than balances in lower tiers. You can also link certain accounts together to snag even higher rates. 

    Finally, the bank has physical branches in only 19 states, largely in the East and the Midwest regions. So if you really value having a branch nearby and you don’t live in these areas, you may want to find another institution to bank with.

    Bottom Line

    PNC falls a little short when it comes to interest rates. You will have to take more steps to earn at the highest rates, while some other banks earn higher rates from the start. However, where it really shines is in its product offerings. You can do basically all your banking here. You can also be assured you’ll have adequate resources and access for managing your money, especially with the bank’s Virtual Wallet®.

    Источник: https://smartasset.com/checking-account/pnc-bank-banking-review

    PNC Bank Standard Savings Account Review

    PNC Bank Savings Account WebsitePNC Bank Savings Account

    Your search for a savings account is likely to lead you to PNC Bank, one of the largest banks in the country.

    It's not surprising because it has branch and ATM locations in 19 states in the eastern and midwestern region, as well as the District of Columbia.

    The PNC Bank Standard Savings is designed to be an easy, convenient solution for your savings needs. The account’s key features include:

    • Low minimum opening deposit; open an account with just $25
    • $5 monthly service charge
    • Automatic transfers to grow your savings faster
    • No required minimum balance for savers under 18
    • Free PNC banking card
    • Link your PNC savings to your checking account for overdraft protection

    The account may be one of your first options, but it might not be the best savings account out there.

    In this review, find out more about the account’s benefits and fees to see if it'll help you hit your financial goals.

    Earning Interest on Your Savings With PNC Bank

    The PNC Bank Standard Savings Account is an interest-bearing account.

    The rate is tiered, depending on your balance.

    PNC Bank gives you an opportunity to earn a higher annual percentage yield if you also have a PNC checking account.

    This table shows how the rates compare, based on your balance and whether you qualify for the higher relationship rates.

    PNC Bank Standard Savings Account Pros & Cons

    ProsCons
    • Free PNC ATM card
    • Can be used for overdraft protection
    • Access to physical branches
    • Mobile apps available
    • Monthly fee
    • Interest rate is much lower compared to online savings accounts

    The higher your balance, the more interest you can earn. You also get a boost by having a PNC checking account to go along with your savings account.

    With that being said, the highest APY you can earn with a standard savings account is much lower than what you could earn at other banks.

    Online banks, in particular, offer more competitive rates on savings.

    Generally, online banks have lower overhead costs so they pass the savings on to their customers in the form of higher interest rates on deposit accounts. The best online savings accounts are compared later into this review.

    Is branch access important to you?

    Comparing the interest rates is important if you want to maximize the interest you’re earning on your savings. At the same time, you have to consider the convenience factor.

    PNC Bank has an extensive network of branch locations and ATMs.

    If you need to make a withdrawal or a deposit or just talk to a teller, you can visit the branch that’s closest to you. Online banks, on the other hand, don’t offer that option.

    How Much Does a PNC Bank Standard Savings Account Cost?

    Fees can easily take away from any interest you’re earning.

    The PNC Bank Standard Savings Account has a $5 monthly maintenance fee. There are, however, some ways of getting around it.

    To avoid the fee, you can:

    • Maintain a $300 average monthly balance
    • Set up an Auto Savings transfer of $25 or more from your PNC checking account to your savings account
    • Demonstrate that you’re under 18

    If you’re a high school student, then you wouldn’t have to worry about the fee kicking in until you turn 18.

    If you’re over 18, you’d either have to meet the minimum balance requirement or set up an automatic transfer each month.

    PNC Bank doesn’t make it extremely difficult to avoid the monthly fee.

    If you’d rather not worry about fees at all, however, an online bank could be the better choice.

    Many online banks waive the monthly maintenance fee and they don’t require you to maintain a minimum balance.

    Are There Any Other Fees Savers to Worry About?

    While online banks may waive the monthly maintenance fee, they may charge other service fees, such as:

    PNC Bank charges some of these same fees for its Standard Savings Account. Here’s a rundown of what you can expect to pay for certain services:

    PNC Bank Standard Savings Account Fees

    TypeFee
    Account research fee$25 per hour
    Early closure fee$25 if you close your account within 180 days of opening it
    Domestic incoming wire transfer fee$15
    Excess withdrawal fee$15
    PNC banking card replacement fee $7.50
    Non-PNC Bank ATM withdrawals in the U.S., Canada, and Puerto Rico$3
    Returned deposit fee$12

    Out of all of those fees, the two that you need to pay the most attention are the excess withdrawal fee and the ATM fee.

    Federal Regulation D limits you to six withdrawals from a savings account each month.

    If you go over that limit, PNC Bank will charge a $15 fee, which can take a big bite out of the interest you’re earning.

    Besides that, PNC could switch your savings account to a checking account, or close it down altogether if you make excess withdrawals a habit.

    While you won’t pay any ATM fees at PNC Bank ATMs, PNC charges a $3 fee for withdrawals made at other ATMs in the U.S, Canada, and Puerto Rico. That’s on top of any fee the bank that owns the ATM may charge.

    PNC Bank doesn’t reimburse any foreign ATM fees either.

    At other banks, you may be able to get some of the fees paid back to you.

    Ally Bank, for example, reimburses up to $10 in ATM charges per statement cycle. That’s a perk you may want to have if you’re worried about getting hit with expensive ATM fees.

    Reach Your Financial Goals Faster With Auto Savings

    Getting into the savings habit can be tough, especially if you’re new to savings. The PNC Bank Standard Savings Account has one feature that’s designed to make it easier.

    The Auto Savings program lets you schedule automatic transfers from your PNC checking account to your savings account.

    You can set up transfers through your online banking account and it just takes a couple of minutes to do.

    Transfers can be scheduled weekly, biweekly or monthly, in any amount you’d like.

    If you transfer at least $25 through the Auto Savings program, you can avoid the monthly savings fee.

    Your savings account can also double as overdraft protection for your PNC checking account. PNC Bank’s standard overdraft fee is $36.

    You can be charged up to four of these fees per day, which adds up to $144.

    When you use your savings account as overdraft protection, you can dodge these fees.

    Instead, you’ll pay $10 per transfer to move money from your savings account to your checking account automatically. That’s a much better deal if you accidentally run your checking account into the red.

    Nearly Identical to Other Big-Bank Savings Accounts

    When it comes to the APY and fees, online savings accounts tend to outshine the PNC Bank Standard Savings Account. But what about other brick-and-mortar banks?

    Bank of America Regular Savings Account

    Bank of America’s Regular Savings Account is an interest-bearing account and the rate is virtually identical to what PNC offers.

    The same goes for the minimum opening deposit and the monthly service fee.

    Bank of America makes it easy to save with the Keep the Change program if you have a Bank of America checking account.

    The excess withdrawal fee is also $5 less than what PNC Bank charges.

    Chase Savings

    The Chase Savings Account has a lot in common with the Standard Savings Account offered by PNC Bank.

    The monthly maintenance fee is $5 but you can avoid it by maintaining a $300 minimum daily balance or making at least one recurring $25 transfer from a Chase checking account.

    Wells Fargo Way2Save

    Wells Fargo’s Way2Save account is another basic savings account choice.

    It takes $25 to open an account and the APY is the same as what PNC Bank offers.

    Again, the monthly maintenance fee is $5, unless you maintain the minimum balance or set up automatic transfers.

    Wells Fargo offers Save As You Go, which transfers $1 from your Wells Fargo checking account to your savings account for each qualifying transaction.

    Online Savings Accounts Come With Higher Rates and Lower Fees

    You'll find higher savings rates and lower fees at online banks because they don't have to pay for running physical branches:

    Ally Online Savings

    Ally Bank's online savings account doesn't have any monthly fees and your money earns an amazing interest rate. You can even open multiple accounts for free with different nicknames for different savings goals.

    Synchrony Bank High-Yield Savings

    The Synchrony Bank High-Yield Savings account offers a market-leading interest rate with no monthly fee. For added convenience, you can choose to get an ATM card for emergency cash withdrawals.

    Goldman Sachs Bank USA Online Savings

    Goldman Sachs Bank USA offers a high-yield savings account with one of top savings rates and no monthly fee. It also doesn't charge any transaction fees so you won't have any surprise charges.

    Is a PNC Bank Standard Savings Account the Right Place for Your Savings?

    The PNC Bank Standard Savings is a good pick if you’re looking for a no-frills savings account at a bank that has physical locations.

    It’s on par with what most other major brick-and-mortar banks offer in terms of the APY and fees.

    If, however, you’re looking to earn more interest on your savings and you don’t mind forgoing physical branches, choosing an online savings account makes more sense.

    Continue Reading

    Источник: https://www.mybanktracker.com

    Banks and Credit Unions

    Click on a bank, or press the enter key on a bank, to reveal more information.

    Amalgamated Bank logo

    • IDNYC card must have photo and residential address.
    • IDNYC cards are only accepted in branch.
    • SSN or ITIN is required.
    • For a non-resident alien or non-US resident without a TIN or ITIN, a valid and unexpired Foreign Passport evidencing country of citizenship is required.

    Visit the Amalgamated Bank website


    Branch Locations

    For branch hours, please call: 800-662-0860

    Burnside - Bronx
    94 East Burnside Avenue
    (at Morris Avenue)
    Bronx, NY 10453

    Co-Op City - Bronx
    2067 Bartow Ave.
    (at Co-Op City Blvd)
    Bronx, NY 10475

    Tremont - Bronx
    3770 East Tremont Ave.
    (at Randall Avenue)
    Bronx, NY 10465

    Bed Stuy - Brooklyn
    1212 Fulton Street
    (at Bedford Avenue)
    Brooklyn, NY 11216

    Sunset Park - Brooklyn
    4502 5th Avenue
    (at 42nd Street)
    Brooklyn, NY 11220

    Union Square- Manhattan
    10 East 14th Street
    (at 5th Aveune)
    New York, NY 10003

    Roosevelt Island - Manhattan
    619 Main Street
    New York, NY 10044

    Chelsea - Manhattan
    275 Seventh Ave.
    (at 26th Street)
    New York, NY 10001

    Gramercy - Manhattan
    301 3rd Ave.
    (at 23rd Street)
    New York, NY 10010

    Wall Street - Manhattan
    52 Broadway
    (at Exchange Place)
    New York, NY 10004

    Flushing - Queens
    70-23 Parsons Blvd.
    (at Parsons Blvd)
    Flushing, NY 11365

    Long Island City - Queens
    36-16/18 21st Street
    (at 36th Avenue)
    Long Island City, NY 11106

    Brooklyn Cooperative Federal Credit Union

    • Government issued photo ID.
    • Proof of address - any piece of mail with the member's name on it.
    • Minimum $30 deposit ($5 minimum balance + one-time $25 membership fee).
    • SSN or ITIN is not required, but the member needs an ITIN or SSN in order to earn dividends on his or her savings account.
    • Membership is open to:
      • A person who has an association with the Bedford-Stuyvesant and Bushwick neighborhoods.

    Visit the Brooklyn Cooperative Federal Credit Union website

    Branch Locations

    Bushwick Branch
    1474 Myrtle Ave.
    (at Grove Street)
    Brooklyn, NY 11237
    718.418.8232 x0

    Bedford-Stuyvesant Branch
    834 Dekalb Ave.
    (at Throop Avenue)
    Brooklyn, NY 11221
    718.418.8232 x0

    Carver Federal Savings Bank


    Additional Information

    • SSN or ITIN is required.
    • Minimum deposit of $25.00 for a checking account or $50.00 for a savings account.
    • Two forms of identification.
    • Learn more about application requirements.

    Visit the Carver Federal Savings Bank website

    Branch Locations

    For branch hours, please call: (718) 230-2900

    Atlantic Terminal Branch - Brooklyn
    4 Hanson Place
    (at St. Felix Street)
    Brooklyn, NY 11217

    Bedford-Stuyvesant - Restoration Plaza Branch - Brooklyn
    1392 Fulton Street
    (at Restoration Plaza)
    Brooklyn, NY 11216

    Crown Heights Branch - Brooklyn
    1009 Nostrand Avenue
    (at Empire Boulevard)
    Brooklyn, NY 11225

    Flatbush Branch - Brooklyn
    833 Flatbush Avenue
    (at Linden Boulevard)
    Brooklyn, NY 11226

    Bradhurst Branch - Manhattan (Inside Foodtown Supermarket)
    300 West 145th Street
    (at Frederick Douglass Boulevard)
    New York, NY 10039

    Malcolm X Boulevard Branch - Manhattan
    142 Malcolm X Boulevard
    (at West 117th Street)
    New York, NY 10026

    125th Street Branch - Manhattan
    75 West 125th Street
    (at Lenox Avenue)
    New York, NY 10027

    St Albans Branch - Queens
    115-02 Merrick Boulevard
    (at 115th Street)
    Jamaica, NY 11434


    Visit the East West Bank website

    Branch Locations

    For branch hours, please call: (888) 761-3967

    Bowery - Canal
    77 Bowery
    New York, NY, 10002

    Canal
    208 Canal Street
    New York, NY, 10013

    Flushing - Union
    38-05 Union Street
    Flushing, NY, 11354

    Flushing - Main
    135-11 Roosevelt Ave.
    Flushing, NY, 11354

    Brooklyn - 8th Ave.
    5801 8th Avenue
    Brooklyn, NY, 11220

    Brooklyn - Ave. U
    1322-1328 Avenue U
    Brooklyn, NY, 11229

    • Minimum Opening Deposit: $25.00.
    • Monthly Service Charge: $3.00.
    • No minimum balance requirement.
    • Can be waived with proof of financial education.
    • Social Security Number required.
    • ITIN not accepted.

    Visit the First Republic Bank website

    Branch Locations

    For branch hours, please call: (888) 408-0288.

    Park Avenue
    320 Park Avenue
    (at 51st Street)
    New York, NY 10022

    Madison Avenue
    575 Madison Avenue
    (at 56th Street)
    New York, NY 10022

    Park Avenue South
    443 Park Avenue South
    (at 30th St.)
    New York, NY 10016

    79th And Lexington
    148 East 79th Street
    (at Lexington)
    New York, NY 10075

    Lower Manahattan
    420 10th Avenue (at 33th Street)
    New York, NY 10001

    Manhattan West
    470 West 34th Street
    New York, NY 10001

    Time Warner Center
    10 Columbus Circle
    New York, NY 10019

    Broadway
    2160 Broadway
    (at 76th Street)
    New York, NY 10024

    Downtown NY
    225 Broadway
    New York, NY 10007

    Rockefeller Center
    1230 Avenue of the Americas (at 48th St.)
    New York, NY 10020

    6th Avenue
    442 6th Avenue
    (at 10th Street)
    New York, NY 10011

    Canal
    163 Canal Street
    New York, NY 10013

    Lower East Side People's Federal Credit Union


    • Proof of home address.
    • One-time $5 membership fee.
    • A minimum deposit of $75 is recommended to avoid monthly maintenance fee of $3.
    • Membership is open to:
      • Individuals who live, work, volunteer, worship, attend school, or belong to any organization located in Lower East Side (Manhattan Community Board 3), Central Harlem (Manhattan Community Board 10), and East Harlem (bounded by 90th Street north to 125th Street, and from the East River Drive to the East side of Fifth Avenue);
      • Residents of New York City who earn less than $38,000 annually;
      • Residents of an HDFC Co-op building;
      • People affiliated with one of LESPFCU's Select Partner Groups;
      • A family member of an existing LESPFCU member.
    • SSN or ITIN is not required but the credit union representative can assist with ITIN applications.

    Visit the Lower East Side People's Federal Credit Union website

    Branch Locations

    For branch locations, please call:

    Lower East Side (Main) Branch
    37 Ave. B
    (at East 3rd Street)
    New York, NY 10009
    212-529-8197

    East Harlem Branch
    237 E. 104th St.
    (at 2nd Avenue)
    New York, NY 10029
    212-828-6061

    North Shore Branch
    2 St Paul's Avenue
    Staten Island, NY 10301
    718-554-4544

    Neighborhood Trust Federal Credit Union


    • SSN or ITIN is preferred and a NTFCU Union representative can assist with ITIN applications.
    • A valid photo ID and proof of address is also required.
    • IDNYC Cardholders can open accounts with $5.
    • Membership is open if you:
      • Work or study in Washington Heights, West Harlem or Inwood (or if you have graduated from the Getting Ahead course or have been referred by a Single Stop or Financial Empowerment Center site).

    Visit the Neighborhood Trust Federal Credit Union website

    Branch Locations

    For branch hours, please call: (212) 740-0900

    1112 St. Nicholas Ave.
    (at 165th Street)
    New York, NY 10032

    People's United Bank Logo

    Account Requirements:

    • SSN is required.
    • No minimum deposit required.
    • Please bring a photo ID, SSN, and proof of address.
    • For additional account requirements please visit, www.peoples.com.

    Branch Locations

    Flatbush Avenue Stop & Shop Branch (in-store location)
    1009 Flatbush Ave.
    Brooklyn, NY 11226

    Park Avenue Branch
    250 Park Ave.
    New York, NY 10177

    Chelsea Branch
    127 7th Ave.
    New York, NY 10011

    Averne Stop & Shop Branch (in-store location)
    7020 Rockaway Beach Blvd.
    Arverne, NY 11692

    Co-Op City Stop & Shop Branch (in-store location)
    691 Co-Op City Blvd.
    Bronx, NY 10475

    Forest Hills Stop & Shop Branch (in-store location)
    8989 Union Turnpike
    Glendale, NY 11385

    Maspeth Stop & Shop Branch (in-store location)
    74-17 Grand Ave.
    Maspeth, NY 11101

    Long Island City Stop & Shop Branch (in-store location)
    34-51 48th St.
    Long Island City, NY 11101

    Long Island City Branch
    31-00 47th Ave., Suite 4110
    Long Island City, NY 11101

    New Dorp Stop & Shop Branch (in-store location)
    2754 Hylan Blvd.
    Staten Island, NY 10306

    Richmond Avenue Stop & Shop Branch (in-store location)
    2795 Richmond Ave.
    Staten Island, NY 10314

    Bulls Head Stop & Shop Branch (in-store location)
    1441 Richmond Ave.
    Staten Island, NY 10314

    For a comprehensive list of branch locations, please visit www.peoples.com, or call 1-800-894-0300.

    Visit the PNC Bank website


    Branch Locations

    For branch hours, please call: 1-888-762-2265

    340 Madison Avenue Branch
    340 Madison Avenue, 1st Floor
    New York, NY 10017

    Port Authority Branch
    625 8th Avenue
    Suite 120 North Wing
    New York, NY 10018

    11 Penn Plaza Branch
    11 Penn Plaza
    7th & West 31st Street
    New York, NY 10001

    Corbin Branch
    200 Broadway
    Fulton Building
    New York, NY 10038

    • SSN or ITIN is required.
    • Please bring a photo ID, ITIN/SSN, and proof of address.
    • Access Checking requires $25 fee to open, but there is no minimum balance maintenance requirement as long as the account is active.
    • Savings account requires a $25 minimum balance to maintain.

    Visit the Spring Bank website

    Branch Locations

    For branch hours, please call:

    Bronx (Main) Branch
    69 E. 167th Street
    (at Gerard Avenue)
    Bronx, NY 10452
    718-879-5000

    Harlem Branch
    2049 Frederick Douglass Blvd.
    (at W. 111th St)
    New York, NY 10026
    718-879-5110

    University Settlement Federal Credit Union

    • SSN or ITIN is required.
    • The IDNYC card is sufficient identification to open an account. However if the cardholder doesn't have the IDNYC card yet, then University Settlement FCU accepts a passport or any other ID he or she may have to prove identity.
    • The minimum required initial balance is $12
    • Membership is open to:
      • Employees of University Settlement or The Door;
      • Participants in any of the programs run by University Settlement or The Door.

    View the University Settlement Federal Credit Union website

    Branch Locations

    For branch hours, please call: 212-453-4573

    Eldridge Street Branch
    184 Eldridge St.
    (at Rivington Street)
    New York, NY 10002

    121 6th Ave
    New York, NY 10013

    Urban Upbound Federal Credit Union

    • SSN or ITIN is required.
    • Proof of address.
    • $25 minimum opening balance.
    • Membership is open to:
      • Those who live, work, or worship in Community Board 1 and 2, which consist of Queensbridge, Ravenswood, Long Island City, Astoria, Woodside, and Sunnyside; or
      • Recipients of Urban Upbound's other services (e.g., Financial Fitness, Workforce Development, etc.).

    View the Urban Upbound Federal Credit Union website

    Branch Locations

    For branch hours, please call: 718-784-0877 ext. 359

    13-03B 40th Ave.
    (at 13th Street)
    Long Island City, NY 11101


    Membership is open to:

    • Those who live, work, regularly conduct business, worship, or attend school in an under-served area of New York, New York;
    • Those who live, work, regularly conduct business, worship, or attend school in the Bronx, Mount Vernon, and Yonkers;
    • Those who are employees or retirees of a state or local government agency in Columbia, Dutchess, Greene, Orange, Putnam, Rockland, Sullivan, Ulster, or Westchester counties in New York.

    Required Documents:

    • Valid, non-expired, government issued photo ID: a driver's license, a state issued identification card, a New York City issued identification card (IDNYC), permanent resident card, U.S. or foreign issued passport, or a consular photo identification card.
    • Proof of address: a recent telephone, cable, utility bill, a lease agreement, voter card, rent receipt.
    • Social Security Number or ITIN.

    Just $1:

    • Minimum $1 deposit in your Savings Account
    • Minimum $1 deposit in your Checking Account

    Visit the USALLIANCE website

    Branch Locations

    For branch hours, please call: 1 (800) 431-2754

    Bethex, a Division of USALLIANCE
    20 E. 179th St., LL
    (at Walton Avenue)
    Bronx, NY 10453

    USALLIANCE
    350 W 31st St
    New York, NY 10001

    USALLIANCE
    World Financial Center - AMEX
    200 Vesey Street 3rd Floor
    New York, NY 10285
    Restricted Access

    Источник: https://www1.nyc.gov/site/idnyc/benefits/banks-and-credit-unions.page

    Banking

    Get convenient, low-fee banking that’s fully integrated with your E*TRADE Securities account.

    Why bank with Morgan Stanley Private Bank?

    Integrated account view

    Investing and savings accounts appear in the same view so you can do everything in one place

    Free Transfer Money service

    We make it easy to move money between your accounts and outside financial institutions1

    Protection, guaranteed

    Protect your privacy and your assets with our Complete Protection Guarantee

    Compare bank accounts

    From interest-bearing savings to no-fee checking, see which Morgan Stanley Private Bank account is right for you.

    Premium Savings Account

    Premium Savings Account

    FDIC insured up to $500,000. View details

    • 0.05% APY2
    • No minimum opening deposit to get started
    • No minimum monthly account fee
    • Anytime, anywhere banking with our award-winning mobile app3
    • Transfers between E*TRADE and Morgan Stanley Private Bank accounts4
    Max-Rate Checking

    Max-Rate Checking

    Convenient mobile and online banking with no ATM fees.6

    • 0.05% APY5
    • No minimum opening deposit to get started
    • FDIC insured up to $250,000. View details
    • Maintain an average monthly balance of $5,000 to waive the $15 monthly fee.5More ways to avoid fee.
    • Free online Bill Pay service
    • Unlimited free ATM fee refunds6
    • Free Max-Rate Checking debit card
    • Online images of cleared and deposited checks
    Checking

    Checking

    No monthly account fees for this non-interest-bearing account.

    • 0% APY
    • No minimum opening deposit to get started
    • FDIC insured up to $250,000. View details
    • No minimum balance and no monthly account fee
    • Free online Bill Pay service
    • Unlimited debit and check transactions
    • Free Checking debit card
    • Online images of cleared and deposited checks

    Need cash? Explore Line of Credit

    Unlock the power of your portfolio for cash when you need it most.7

    Borrow against eligible assets in your E*TRADE brokerage account8

    Avoid selling securities and disrupting your investment strategy9

    Enjoy low interest rates with flexible repayment schedules10


    Start banking today

    Ready to integrate your banking and investing experience?

    Open an account

    Источник: https://us.etrade.com/bank

    Cash management from Fidelity

    *

    For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution issuing the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All the new-issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, visit FDIC.gov.

    Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate may be higher or lower than prevailing market rates. The initial rate on a step-rate CD is not the yield to maturity. If your CD has a call provision, which many step-rate CDs do, the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may obtain a less favorable interest rate upon reinvestment of your funds. Fidelity makes no judgment as to the creditworthiness of the issuing institution.

    Fidelity Investments and its affiliates, the fund's sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

    The Fidelity Cash Management Account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading. Customers interested in securities trading should consider a Fidelity Account®.

    Your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your Fidelity Cash Management Account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there may be a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.

    The Fidelity® Cash Management Account's uninvested cash balance is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC.

    For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).

    Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

    Источник: https://www.fidelity.com/cash-management/fidelity-cash-management-account/overview
    pnc bank minimum deposit to open account
    pnc bank minimum deposit to open account

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