Fair Design and Sale of Banking Products and Solutions

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 assist them in achieving their financial goals. We also provide options and accurate, clear and meaningful information so that customers are informed and able to select the financial products and solutions that meet their needs.

PNC’s products and services are reviewed for compliance with all applicable laws and regulations, including fair lending and anti-discrimination laws. They also undergo an assessment for credit, market, operational, legal and reputational risks.

• Low Cash Mode®, a digital tool built on patented technology designed to give our customers unprecedented account transparency and payment control, including the power to prioritize and schedule certain debits (checks and ACH transactions) that otherwise might result in overdrafts.
• Virtual Wallet^® and Cash Flow Insight^® feature tools and calendars that allow customers to easily monitor their balances, conveniently move funds and plan for future cash flow.
• The Student & Graduate Center provides students with information about deposit accounts, student loans, planning for college and financial literacy.
• PNC’s HomeHQ^® features tools to help prospective homebuyers understand home affordability (PNC Home Insight^® Planner), start the mortgage process and track their mortgage application (PNC Home Insight^® Tracker).
• PNC’s credit cards provide customers the opportunity to choose which card meets their individual needs — whether it’s cash back with a PNC Cash Rewards^® Visa^® Credit Card, a lower rate on purchases with a PNC Core^® Visa^® Credit Card, or a wide array of redemption options with a PNC points^® Visa^® Credit Card.  PNC’s credit cards also enable a customer to lock and unlock a card (Easy Lock^SM), set travel alerts and do balance transfers all from their online banking account or mobile phone.
• PNC helps to make buying a car convenient with PNC Total Auto^®, where customers can find and finance their car all in one place.
• We also offer two Bank On–certified products, PNC Foundation Checking and PNC SmartAccess^® Prepaid Visa^® Card. These products allow customers to avoid overdrafts altogether, reflecting our commitment to helping our customers stay in the mainstream banking system by reducing the likelihood of an overdraft-related account closure.
• The SmartAccess^® Prepaid Visa^® card is a reloadable prepaid card that provides customers with a practical alternative to a traditional bank account and that can be used to:
  • Create a budget for living expenses by loading a predetermined amount of money for groceries, bills, restaurant meals, etc. 
  • Load children’s allowances or college spending money to teach financial literacy
  • Budget for travel and holiday spending 
  • Track spending with daily balance alerts via email or text 

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 device.

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

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