Fair Design & Sales of Banking Products & Solutions

Why It's Important to PNC:

PNC is commited to performance, integrity, customer focus, respect, diversity, teamwork and quality of life. These core values have helped us become a leading financial services company and guide our everyday actions with customers. To assist our customers in making informed decisions about the products or services that may be right for them, we provide accurate, clear and meaningful marketing information. Also, as a national bank, we are subject to a number of regulations and laws that address our marketing practices and materials, as well as the products and services we offer. The sources of these laws and regulations include the federal and state governments, the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Federal Reserve Board, the Securities and Exchange Commission and the Financial Industry Regulatory Authority. International laws and regulations apply to certain PNC business units.

Recognizing the role we play in our customers’ financial lives, we design products and services that help them manage their day-to-day finances and achieve their financial goals. We also provide options and information so that customers are informed and able to select the financial products and solutions that meet their needs.

A prime example of this effort is PNC’s Virtual Wallet and Cash Flow Insight products, which feature tools and calendars that allow customers to more easily monitor their balances, conveniently move funds and plan for future cash flow.

PNC’s SmartAccess® Prepaid Visa® card, a reloadable prepaid card that provides customers with a practical alternative to a traditional bank account, also reflects PNC’s focus on convenience. As a reloadable prepaid card, it limits spending to the amount of funds loaded on the card but allows money to be transferred from an eligible PNC checking or savings account to the card via online banking (primary cardholder only), PNC mobile app or Virtual Wallet mobile app. Among other purposes, customers can use a SmartAccess card to:

  • Create a living expenses budget, loading money each week for lunches, morning coffee and snacks
  • Load their kids' allowances or college spending money to teach financial literacy
  • Budget for travel and holiday spending
  • Pay babysitter expenses
  • Limit spending by adding only what is budgeted (e.g. load $400 per month for groceries)
  • Track spending with daily balance alerts via email or text

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PNC also promotes convenience by allowing customers to bank how and when they like, whether it is in person, over the phone, online or with a mobile or tablet device. We regularly conduct research and solicit feedback in an attempt to learn more about our customers and review customer complaints to identify potential issues and determine whether we can enhance or improve our products and services.

PNC’s product and service designers share significant new and enhanced products and services ideas with various business, risk, legal, technology and compliance personnel who review them for compliance with applicable laws and regulations, including fair lending and anti-discrimination laws. Another step in the new product and services development process is the review of an initiative for credit, market, operational, legal and reputational risks.

Once a product or service is approved through the appropriate governance processes, the related marketing material is carefully reviewed and approved by one or more members of PNC’s legal, risk and compliance teams.

PNC is invested in our employees’ delivery of products and services information, features and benefits. That is why our sales and other customer-facing employees receive the training needed to help customers identify the products or services that best meet their financial goals.

PNC’s consumer educational resources and tools include articles, videos and social media posts and tweets. For example, PNC Achievement Sessions are videos, blog posts and other tools that offer tips and lessons about mortgages, debt and saving for retirement, among other topics.
Visit PNC Achievement Sessions »

Additionally, the PNC Student Center offers students information about deposit accounts, student loans, planning for college, military benefits and financial literacy, and PNC’s Home HQ features tools to help prospective homebuyers weigh the costs and benefits of home ownership.
Visit Our Student Center »  |  Visit Home HQ »

Bank How & When You Want To
With PNC Technology, We're Always Open.

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Together, We Prosper
2016 Corporate Social Responsibility

Summary of Our Efforts »
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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)