Community Development Banking

As a Main Street bank, we take pride in how we relate to and serve our employees, customers and communities and are committed to making business decisions that positively impact our stakeholders. We support the communities where we conduct business through job creation, local infrastructure, small business loans, financial education and sponsorships. These financial services, along with our philanthropic giving and volunteerism, create a series of benefits that strengthen communities.

Our Community Development Banking team specifically works to improve the quality of life for individuals, families and businesses in low- and moderate-income neighborhoods through affordable housing, community development lending, economic development, financial education and customized financial solutions. We also assist groups working with government agencies and help locate other sources for technical, financial or investment support.

Products and Services

  • Foundation Checking
    Foundation Checking is a transitional checking account for customers who are just entering or re-entering the banking system. This account has no balance requirements and provides ATM access with lower daily point-of-sale and ATM limits. A key element of Foundation Checking is its financial education component, which teaches the basics of money management.
  • PNC SmartAccess®
    PNC SmartAccess is our prepaid Visa® card offering, which enables customers to safely and easily access and manage their money.
  • First-Time Home Buyer Clubs
    Buying a first home can be a lengthy process where potential and sometimes costly pitfalls trap the unprepared buyer. To help buyers prepare for a major purchase and avoid these potential pitfalls, Community Development Banking supports Home Buyer Clubs at community organizations across the PNC footprint.
  • Individual Development Account 
    PNC also supports the administration of Individual Development Account programs offered by nonprofit organizations to help low- and moderate-income families save for a home or higher education.
  • Volunteer Income Tax Assistance 
    Through an alliance with the Internal Revenue Service, PNC offers prepaid Visa debit cards, free check cashing and financial education to lower income people who participate in the Volunteer Income Tax Assistance program.
  • PNC School Bank
    PNC School Bank is a youth savings program grounded in a school-branch alliance that helps children build savings accounts while introducing them to banking careers. Find more information about PNC School Bank.





in Financing in 2017

to low- and moderate-income populations and communities

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Community Reinvestment Act

PNC earned an “outstanding” rating for its most recent Community Reinvestment Act exam and has consistently earned this top rating since examinations began

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Community Reinvestment Act

Every three to four years, the Office of the Comptroller of the Currency, an independent bureau of the U.S. Department of the Treasury, evaluates a PNC's commitment to the communities we serve. This includes evaluating how we are meeting the credit needs of the entire community, including low- and moderate-income neighborhoods. Based on the evaluation, we, like other banks, are rated as outstanding, satisfactory, needs to improve or substantial noncompliance. PNC earned an “outstanding” rating for its most recent Community Reinvestment Act exam and has consistently earned this top rating since examinations began. Learn more about PNC’s Community Reinvestment Act rating.

Loans and Investments

In 2017, PNC provided $2.9 billion* in community development financing that benefited low-and moderate-income populations and communities, including:

  • $2 billion in community development loans 
  • $93 million in other investments to benefit underserved populations and communities 
  • $331 million in equity commitments to provide affordable housing through the Low-Income Housing Tax Credit (LIHTC) Program 
  • $194 million to help finance community-supported economic development projects through the New Markets Tax Credit (NMTC) Program 
  • $294 million to restore historic properties and return them to productive use through the Historic Tax Credit (HTC) Program

*Reflects Community Reinvestment Act-eligible investments made across PNC's footprint.

Someday Starts Today
2017 Corporate Social Responsibility

Summary of Our Efforts »

Full Report
Executive Summary
2017 PNC CDP Response

Quarterly Newsletter
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Recognized for our Efforts

Corporate Awards & Recognition

High-Performance Franchise

  • World's Most Admired Companies, FORTUNE magazine (2019)
  • 100 Most Sustainable Companies, Barron’s (2018)
  • Most Admired for HR, Human Resource Executive magazine (2018)
  • Forbes Global 2000, Forbes magazine (2017)

Employer of Choice

  • Achiever’s 50 Most Engaged Workplaces™ in North America (2018)
  • Great Workplace Award for Employee Engagement, Gallup (2017)
  • 50 Happiest Companies in America, CareerBliss (2017)

Diversity & Inclusion

  •  A. Leon Higginbotham Corporate Leadership Award, The Lawyers’ Committee For Civil Rights Under Law (2018)
  • 50 Best Companies for Diversity for 2018, BLACK ENTERPRISE (2018)
  • Best Companies to Work for Women, WOMEN'S CHOICE AWARD® (2018)
  • Best Companies for Dads, Working Mother magazine (2018)
  • Best Companies to Work for Multicultural Women, WOMEN'S CHOICE AWARD® (2018)
  • Top Financial Companies, Professional Woman’s magazine (2018)
  • Top 1000 Company Worldwide for Millennial Women, Mogul (2018)
  • 50 Best Places to Work for New Dads, Fatherly (2018)
  • Financial Services Gender-Equality Index (BFGEI), Bloomberg (2019)
  • Top 50 Employers, CAREERS & the disABLED magazine (2019)
  • Best Places to Work for LGBT Equality, Human Rights Campaign (2018)
  • 2018 Best-of-the-Best Corporation for Inclusion, National LGBT Chamber of Commerce/National Business Inclusion Consortium (2018)
  • Top LGBT Friendly, Black EOE Journal (BEOEJ) (2018)
  • Top Employer, Black EOE Journal (BEOEJ) (2018)
  • Top Supplier Diversity Programs, Black EOE Journal (BEOEJ) (2018)
  • Top Financial/Banking Companies, Hispanic Network magazine (2018)
  • Best Places for Women & Diverse Managers to Work, Diversity MBA Magazine's 50 Out Front Companies for Diversity Leadership (2017)
  • Top 50 Companies for Executive Women, National Association for Female Executives (2017)
  • Top Diversity Employer, Professional Woman's Magazine (2017)
  • The Most Powerful Women in Banking, American Banker (2017)
  • Best of the Best for Top Disability-Friendly Companies, DIVERSEability magazine (2017)
  • 100 Best Companies for Working Mothers, Working Mother magazine (2018)
  • Top Corporation for Disability-Owned Businesses, US Business Leadership Network (2017)
  • Diversity Leader Award, Diversity Journal (2017)
  • PNC scored 100% on the 2018 Disability Equality Index® (DEI® ) Best Places to Work

Military & Veteran Support

  • Best of the Best Top Veteran-Friendly Companies, U.S. Veterans Magazine (2018)
  • 2017 Best Corporations for Veterans Business Enterprises, National Veteran Owned Business Association (2017)
  • Sponsor of the Year, Guardian Angels Medical Service Dogs, Inc. (2017)
  • Employee Business Resource Group Exemplar Award, Vibrant Pittsburgh (2017)
  • Spotlight Impact Award, PRISM (2017)


  • Outstanding Community Reinvestment Act Rating
  • Corporate Social Responsibility Leadership Award, Financial Services Roundtable (2017)
  • Corporate Citizenship Award, Pittsburgh Business Times (2017)


  • Leader in Climate Disclosure, Carbon Disclosure Project (2017)

Important Legal Disclosures & Information

Lending products and services are provided by PNC Bank, National Association and require credit approval.