Promoting Financial Access

We believe that one simple step today can make all the difference for our customers' financial future.

At PNC, we are committed to helping our customers take the next step forward in their financial lives — wherever they are in their personal journey. We make that step possible through convenient products designed for every phase of life and every financial goal.

Helping To Build Financial Well-Being

Ensuring financial access also means helping customers avoid losing money. PNC's Low Cash Mode® helps our customers do just that with the alerts, payments control and extra time to avoid overdraft fees. In addition, PNC no longer charges non-sufficient funds (NSF) fees on all deposit accounts, and the one-time overdraft fee on authorized debit card transactions that subsequently settle in a negative balance.

Providing financial access for unbanked and underbanked individuals is one of our top priorities.

Our Foundation Checking Account has been especially critical for those who are unbanked and underbanked. This product meets the Bank On National Account Standards for low costs and fees, no overdraft fees and customer-friendly features.

Financial access begins with education. From bilingual financial education workshops to educational resources for students, we're committed to delivering the most relevant insights and learning opportunities for helping customers better understand their finances and make sound decisions. PNC's My Finance Academy and our student banking webpage provide information and ideas to build healthy financial habits during school and beyond. These free, online resources also offer videos, podcasts, articles and other tools for parents to save for their children’s education.

Learn more about how we provide Support for Diverse Customers and promote Financial Inclusion & Education to improve financial access for our diverse customers and communities.

Brilliantly Supporting All of Our Stakeholders

We strive to manage our business responsibly and to do right by all our constituents. We make fact-based decisions guided by our established risk appetite and by what is in the best interests of our customers, our employees, our communities and our shareholders. 

Expanding Affordable Housing

PNC strives to be a part of one of the most important financial decisions a consumer will make — homeownership. That means doing our best to enhance homeownership opportunities for low- to moderate-income (LMI) and minority borrowers. Our flexible products, programs and wide variety of down payment options help customers buy and stay in their homes.

PNC’s commitment to affordable housing extends beyond homeownership. We also recognize the growing need to build and preserve rental housing that is affordable for LMI households, and to revitalize communities that have seen historic disinvestment. To do this work, PNC utilizes many of the nation’s largest and most effective community development tools, including the Low-Income Housing Tax Credit (LIHTC), New Markets Tax Credit (NMTC), and Historic Tax Credit (HTC), as well as our own Affordable Housing Preservation Investments.

Learn more about Tax Credit Solutions.    

PNC HomeHQ® - Your Home Loan Headquarters

Tools and resources to understand your home loan, refinancing and home equity options

Mobile Branches

PNC employees meet consumers where they are in their financial journey and offer guidance and support to move them towards their financial goals. Mobile branches are able to accommodate nearly all transactions a client can expect in any of our branches, and the regular, year-round visits to these communities builds trust and is a clear demonstration of our main street approach to banking.

PNC's Mobile Branch team collaborates with Community Development Banking in each market to identify partners serving low- and moderate-income (LMI) communities. Using Mobile Branches as community outreach tools, PNC can extend essential banking services into LMI communities and strengthen relationships with unbanked or underbanked members of these communities.

PNC's Mobile Branch team not only offers financial education for consumers, small businesses and nonprofit organizations, they also provide access to educational programs for homebuyers and money management tools. These resources can improve the financial stability of people and families who may not otherwise have convenient access to banking services and rely on high-fee check-cashing and payday loans or who don't have checking accounts at all

Mobile Branches have also helped customers when they need in-person banking services, including during outdoor festivals and events, college move-in days and, especially, branch closures due to renovations or natural disasters.

Expanding Financial Access for Small Business

Consistent with PNC’s efforts to reduce barriers to banking and increase access to credit, we have deepened our commitment to small business by collaborating enterprise-wide to help deliver financial solutions that position minority-owned and micro businesses for effective growth and development.

With an intentional focus on the success and growth of minority-owned businesses, PNC’s Minority Business Development Group (MBDG), delivers products, solutions and resources that advance financial wellness for emerging minority businesses. The MBDG helps prepare these businesses for effective growth and development by leveraging innovative technology and financial solutions to empower, educate and accelerate their success.

PNC’s Certified Minority Business Advocate (cMBA) program is an internal advocacy component of the Minority Business Development Group. This voluntary training program is available to PNC employees interested in supporting minority business decision-makers. This certificate program helps our employees understand the unique challenges of diverse businesses and supports the PNC brand purpose — leveraging the power of our resources to help all move forward financially. cMBAs serve as local PNC ambassadors, strengthening community engagement through volunteerism, mentorship and technical support, and are empowered to educate and guide these business owners toward valuable community resources.

In alignment with our Community Benefits Plan, we commit to increase spending with diverse suppliers by a minimum of 20 percent by 2025.

For more information about the MBDG and the tools and resources it offers, visit Small Business.

Insights for Minority Business Owners

You are important to your community and you are important to us, and we’re here to help you be the best business owner you can be.

Responsible Lending

Above all, we’re committed to protecting our customers and treating them fairly. PNC reviews all sales and marketing practices on a regular basis to help ensure that this goal is met.

To learn more about how we manage environmental and social risks and opportunities, visit Environmental and Social Risk Management and Bank Responsibly.

Responsible Lending Practices Disclosure