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. Ensuring financial access to our comprehensive range of convenient products helps customers manage their money at every phase of life and 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.
Our PNC Simple Checking Account has helped empower unbanked and underbanked customers by offering an account with low costs and fees, no overdraft fees, and customer-friendly essentials to strengthen their budgeting and financial needs. As a Bank On certified product, PNC Simple Checking highlights PNC’s commitment to offer a safe and affordable account to help integrate individuals and families into the banking system.
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 wellness. 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.
Expanding Access to Affordable Housing
We know that homeownership is one of life’s 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 far-reaching impacts of the affordable housing shortage. In response, we finance the production of affordable homes for low-income families, seniors, people with disabilities and formerly homeless individuals. Each year, PNC Multifamily Capital provides billions of dollars in equity and debt capital to construct or rehabilitate rental housing by using the Low-Income Housing Tax Credit (LIHTC) and Agency debt from Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA), as well as PNC balance sheet debt.
Learn more about Multifamily Capital.
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 services, increase access to credit and capital, and deepen our commitment to small business. We collaborate enterprise-wide to deliver financial solutions that help position to support entrepreneurs and small business owners, including those in low- and moderate-income (LMI) and rural communities.
Supporting Growth Across Markets
Our growth strategy and market expansion plans are focused on driving strategic client growth by identifying and expanding client segments that yield business opportunities across all of our lines of business. PNC’s Community Business Group delivers solutions and resources to help drive entrepreneurial growth and advance financial wellness in diverse communities where we live and work.
The group executes a three-pronged approach to help small businesses in LMI and majority-minority census tracts through a team of community business officers coast to coast. In collaboration with internal partners such as PNC Regional Presidents, Community Development Banking, our branch network and external community organizations, the group participates in external community events, facilitating financial education workshops, mentoring and providing technical support to small business owners. In addition, the team engages with thousands of clients and prospective clients to help scale and grow their businesses.
Responsible Lending
Consistent with the requirements of the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA), PNC is committed to providing fair, equitable and nondiscriminatory access to our credit products for all qualifying and potential consumers and businesses. To that end, PNC implements robust processes to design and deliver our products and services in a manner that prevents discrimination based on race or color; religion; national origin; sex (including sexual orientation and/or gender identity); marital status; age (provided the applicant has the capacity to contract); the applicant’s receipt of income derived from any public assistance program; physical disability; or the applicant’s exercise, in good faith, of any right under the Consumer Credit Protection Act in any aspect of a credit transaction.
It is the policy of PNC to conduct all lending activities, from marketing through the product life cycle, in accordance with fair lending laws while maintaining safe and sound credit standards. PNC’s Fair Lending program includes employee training, compliance support for PNC’s lines of business and monitoring of customer communications, lending activities and operations.