Low Cash Mode is a registered mark of The PNC Financial Services Group, Inc.
Promoting Financial Access
We believe that one simple step today can make all the difference for our customers' financial future.
At PNC, we're dedicated to helping our customers progress confidently in their financial journeys— regardless of their current stage. Our comprehensive range of convenient products is tailored to suit every phase of life and every financial aspiration.
Helping To Build Financial Well-Being
Ensuring financial access also means helping customers manage their money. PNC’s Low Cash Mode® on Virtual Wallet® helps our customers do just that with alerts, payments control and extra time to avoid overdraft fees.
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 literacy and wellness begin with education. From bilingual financial education workshops to educational resources for students, we’re committed to delivering the most relevant insights and learning opportunities to help our clients better understand their finances and make sound financial decisions that promote financial wellnessns. PNC's My Finance Academy and our Student Banking Center provide information insights and ideas that help to build healthy financial habits for high school, college and beyond. My Finance Academy offers educational videos, podcasts, articles and other tools to help our clients build their financial knowledge and confidence.
Learn more about how we Serve Our Diverse Markets
Expanding Access to Affordable Housing
We know that homeownership is one of the biggest decisions, and we are here to support individuals and families through that important process. That means doing our best to enhance homeownership opportunities for all, including low- and 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
Mobile Branches
Our mobile branches help the unbanked and underbanked communities across the country gain access to crucial banking services and provide resources to help those communities become more financially educated and empowered.
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. We collaborated enterprise-wide to deliver financial solutions that help position low- and moderateincome (LMI), minority-owned and micro businesses for effective growth, development and sustainability.
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 and the local communities where they live and work. The program equips our employees with knowledge and awareness of the unique challenges of diverse businesses and supports the economic empowerment of these entrepreneurs.
For more information about the MBDG and the tools and resources it offers, visit Small Business
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.