Customer Information & Fraud Protection

Why It's Important to PNC:

Not only is protecting our customers’ privacy our job, but it is a priority. Our ability to help customers achieve their financial goals is possible when we also can safeguard their personal and financial information. If we want to remain competitive and earn and retain the trust of an increasingly discerning customer base, we must continue to invest in our systems to detect, deter and prevent unauthorized access to customer information.

The security of our customers’ personal and financial information is a priority at PNC. Our comprehensive security program provides customers with account features that help protect their accounts from fraud and identity theft. We also use layered technologies and other security controls to protect customer information.

Customers can elect to receive alerts about certain account activity and review recent account activity through online banking. In addition to these tools, which can assist with early fraud detection, PNC’s security team constantly monitors card and account activity for potential fraudulent transactions and takes action when potential fraud is detected to mitigate financial loss and other harm to our customers. Furthermore, PNC has arranged for financial security software from a major technology company to be available to customers at no charge.

Throughout 2016, PNC actively worked with customers potentially impacted by data breaches at other organizations. In addition to tightening fraud monitoring, PNC worked directly with customers to help address their concerns.

In addition to providing tips about PIN management and card protection, we caution customers about email, mail and telephone fraud, and feature alerts from the FBI and FTC on tech support and business email compromise scams. PNC routinely provides these security tips through numerous channels so that customers can take the necessary steps to protect themselves on an ongoing basis, and not just in the aftermath of a publicized security breach.

Protecting Customer Privacy

PNC takes steps to safeguard customer privacy, supporting customers’ rights to limit the sharing of their personal information and notifying customers about how this information is collected, shared and protected.

Financial institutions need to share customer information to run their everyday businesses. For example, U.S. law allows the sharing of information that enables PNC to process transactions, maintain accounts, respond to court orders or legal investigations, report to credit bureaus, offer PNC products or services, and receive feedback about transactions and experiences. Information sharing for marketing purposes, however, is limited upon customer request.

All of this is communicated with customers through the PNC privacy notice provided at a new account opening and annually thereafter. The privacy notice also is provided with all loan closing documents and is available online.

To further protect the privacy of our customers, we maintain administrative, technical and physical controls designed to limit the access to and use of customer information. Additionally, we pursue continuous process improvement to enhance our employees’ privacy awareness and training and to provide privacy and security updates and reminders to customers.

As required by law, PNC is registered with relevant international data protection authorities (e.g., United Kingdom and Germany) regarding the collection and processing of personal information and uses European Union (EU) model contract clauses and individual consent to transfer customers’ personal information from EU countries to the United States.

Security & Privacy

A message from our Chief Customer Officer, Karen Larrimer

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2016 Corporate Social Responsibility

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Recognized for our Efforts

Corporate Awards & Recognition

High-Performance Franchise

  • Most Admired Companies (superregional banks), Fortune (2017)
  • Fortune 200 company (2016)

Diversity & Inclusion

  • "Best-of-the-Best" Top 30 Corporations for Inclusion, National Gay & Lesbian Chamber of Commerce/National Business Inclusion Consortium (2016)
  • One of the Best Places to Work for LGBT Equality, Human Rights Campaign (2016)
  • Top 50 Companies for Executive Women, National Association for Female Executives (2016)
  • Diversity Leader Award, Profiles in Diversity Journal (2015)
  • Top 10 Regional Companies for Diversity, DiversityInc (2016)
  • Top 25 U.S. ERG & Diversity Councils, Association of Diversity Councils (2015)
  • Top 50 Employers, CAREERS & disABLED (2015)

Employer of Choice

  • Great Workplace Award for Employee Engagement, Gallup (2016)
  • 100 Best Companies for Working Mothers, Working Mother (2016)
  • 2020 Women on Boards Winning "W" Company, 2020 Women on Boards (2015)
  • Best Employers for Healthy Lifestyles®, National Business Group on Health® (2015)

Military & Veteran Support

  • Top 100 Military-Friendly Companies, G.I. Jobs (2016)
  • Top Veteran-Friendly Companies, U.S. Veterans (2016)
  • Top 25 Military-Friendly Supplier Diversity Programs, National Association for Veteran-Owned Businesses (2016)

Community

  • Community Reinvestment Award, Excellence in Cross-Sector Community & Collaboration Development for PNC’s Grow Up Great Early Education Initiative (2014)
  • U.S. Chamber of Commerce Foundation Corporate Citizenship Awards, Best Commitment to Education (2014)
  • Outstanding CRA Rating

Environmental

  • Net-Zero Energy Certification (PNC's net-zero energy branch in Fort Lauderdale, Fla.), International Living Future Institute (2016)
  • Game Changer Award for Project Finance Innovation, Canadian Solar Industries Association (2016)
  • Leader in Climate Disclosure, Carbon Disclosure Project (2015)