Find a PNC ATM Near You
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You can do a lot of banking at the ATM - including depositing checks & cash, transferring funds, checking balances and more - at any hour, every day.
Enter a zip code to find a PNC ATM.
Make cash or check deposits 24/7, 365 days a year
"Envelope-free" way to make cash or check deposits right at the ATM
Get a receipt with a picture of your checks right on it
PNC DepositEasy is the "envelope-free" way to make cash or check deposits right at the ATM, anytime of day or night, including weekends and holidays.
When you deposit an approved check from your mobile phone or a PNC DepositEasy℠ ATM, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.[1]
PNC Express Funds is convenient when:
How it works:
What is a chip card?
A chip card enhances card security for electronic payments when inserted in the chip card reader (not swiped) of a chip-enabled terminal. The chip generates a unique transaction code which is shared with the ATM processor. This makes the card difficult to copy.
What is EMV?
Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe.
Will my chip card prevent all fraudulent activity?
No. Your chip card provides an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. PNC will continue to provide 24-hour fraud monitoring and, as always, your PNC Visa debit, credit, and PNC SmartAccess cards come with Zero Liability Fraud Protection[3].
How do I know if I have a chip card?
If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.
What does a chip-enabled ATM look like?
Chip-enabled ATMs have all of the features that you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM.
How do I know if an ATM accepts chip cards?
Insert your card into the ATM with the chip facing up as you normally would. If the ATM is chip-enabled, the machine will recognize the chip on your card and will guide you through the transaction.
What should I expect when using my chip card at a chip-enabled ATM?
Depending on the type of ATM, your experience may differ slightly.
If your card is not visible, use these basic steps for a successful ATM transaction:
If your card stays visible, use these basic steps for a successful ATM transaction:
What if I remove my card before the ATM prompts me to do so?
If your card is removed prior to the prompt, the terminal and your card may be damaged. If there is no visible damage to your card and the machine returns to the welcome screen, you can attempt the transaction again. If the machine states out of service, then you will need to use a different ATM. If you card is physically damaged or denied by the ATM, you will need to call PNC at 1-888-PNC-BANK, or visit a branch, and go through the process of ordering a new card.
Can I still use my chip card at a non-chip-enabled ATM or merchant terminal?
Yes. Your card will have a chip and a magnetic stripe to accommodate any situation.
What if the ATM doesn't accept chip cards?
Cards will still have a magnetic stripe on the back, so even if a terminal or ATM is not yet chip-enabled, you can use your card as you do today.
Where can I find more information about using my chip card at merchant terminals?
Visit pnc.com/chipcard for more information about using your chip card for transactions at merchant terminals.
How do I know if I am at an ATM with the enhanced screen?
ATMs that have the enhanced screen will have an orange bar at the top of each screen as well as a gray screen background.
I had a Personalization profile set up and I am being asked to set up another. Why?
Profiles created prior to the ATM upgrades are not compatible with the upgraded platform. However, a new profile can be created in only a few seconds. This can be done at the ATM terminal, any branch location, online or through PNC’s Customer Care line 1-888-PNC-BANK.
Is there any risk in having two Personalization profiles?
No. The responses to the Personalization questions do not house any information where personal information could be compromised.
Why can only PNC account holders utilize the e-receipt option?
PNC does not record the e-mail addresses of customers who are not PNC account holders.
Why can't I change my e-mail address at the ATM?
For your security, PNC does not allow account holders to change their e-mail address at the ATM. This can easily be done at any branch location, through Online Banking or through PNC’s customer Care line- 1-888-PNC-BANK.
When can I change my profile?
Immediately. On the main menu screen there is an option to edit profiles. Following the screen options will enable you to make changes. You can also make changes through Online Banking.
Only available at PNC DepositEasy℠ ATMs
After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee.
Approved checks are eligible for immediate availability on withdrawals and/or purchases for a fee of 2% of the total check amount. A $2.00 minimum fee will apply.
If a check is returned due to insufficient funds, PNC will not debit your account.
If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.
Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.
Zero Liability Fraud protection does not apply to ATM transactions or PIN transactions not processed by Visa, and certain commercial card transactions. Notify PNC Bank immediately of any unauthorized use. For specific restrictions, limitations and other details regarding unauthorized use, see your account agreement.
Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Google Pay and Google Play™ store are trademarks of Google Inc.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
PNC DepositEasy is a service mark of The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC