Important Updates for Our Customers About Coronavirus (COVID-19)

We encourage you to visit the Economic Impact Payment Information Center on irs.gov for the latest information and full details.

Per the IRS website, “Some Americans may see the direct deposit payments as pending or as provisional payments in their accounts before the official payment date of January 4, 2021.” For more information, visit the IRS.

Paper Checks

If direct deposit information is not available or incorrect, you may receive or have received a paper check in the mail.

We encourage you to use our safe self-service options.

• Mobile Deposit: You can quickly, easily and safely deposit your paper check while at home through the PNC Mobile app on your tablet or mobile device. If you don’t have the PNC Mobile app, visit our Mobile Banking page to learn more about mobile banking and how to download the correct app for your device.^[1]
• ATMs: PNC customers can access your money fee-free at nearly 18,000 ATMs across the country. Visit our locator page to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

Banks are required to process Economic Impact Payment direct deposits according to the account instructions provided by the IRS.  Generally speaking, if an account is closed, the direct deposit is returned to the IRS the next business day and the IRS will then issue a check to the customer.  

You are able to see the credit in your PNC Online Banking transaction history and on your account statement. It will appear as a credit labeled as “IRS TREAS.”

Using PNC Online Banking, you can easily monitor your account balance or set up account level alerts to be notified when you receive a direct deposit. To set up alerts, log in to Online Banking, select “Alerts” at the top of the page, and then click “Add/Edit Alerts” to set up your preferred Alerts. And, you can check balances and transactions through our mobile banking app.

For most customers, if your PNC account has a negative balance the day before your economic impact direct deposit is received, or check deposit is made, a temporary credit for the negative balance amount will be applied to the account. This temporary credit will make the amount of the economic impact payment available to you.

The temporary credit will be applied to your account for up to 30 calendar days. If you receive a temporary credit, you can expect to receive an email or mail notification with additional information.

Scammers are attempting to cash in on the government stimulus package by texting, emailing and calling people claiming to have a relief check or economic impact payment available. In some cases, the scammer asks for personal information, including bank account information and social security numbers. PNC will never ask you for personal or financial information via email or text message.

Stay informed with our scam & fraud alerts.

You will need the following information to complete the setup process:

1) Employer Identification Number (EIN) or Social Security Number (SSN)
If you are a small business with an Employer Identification number (EIN) you may enter this where we ask for Federal Tax Identification number.

In some cases PNC generates a default number that you may use to set up access to Online Banking. If PNC generated a default number then you should have received it in the mail shortly after opening your account.

If you do not know your default number for setting up access to online banking call us at 1-888-PNC-BANK (762-2265)

2) Online Access PIN
Your Online Access PIN is four digits. You may have set your PIN when you opened your account or received it in the mail.
If you do not have your Online Access PIN call us at 1-888-PNC-BANK (762-2265).

3) PNC account number
Any PNC Bank checking, savings, money market, mortgage, loan, or activated cred cardit account number.

When you contact us, we will ask you a few questions about your account and your specific hardship situation. With this initial information, we will be able to do a quick assessment to determine if one of our hardship programs may fit your needs.

Yes. Please call the appropriate number above so we can do a quick assessment to determine if one of our hardship programs may fit your needs.

There are a variety of programs available depending on your specific situation. Solutions may include the ability to postpone payments for a period of time, reduced loan payments or even a loan modification, which may require additional information and documentation.

We have options available for Student Loan borrowers, but they may vary depending on your loan types and status.  Please call American Education Services at 1-800-233-0557, Monday through Friday, 7:30am – 9:00pm ET, to discuss relief plans that may be available for your accounts.

While we understand each situation is unique and you may be facing extenuating circumstances, you will be asked a few questions to assess whether you qualify for one of our coronavirus-related programs. Based on your situation, it is possible that you may not be approved for one of our hardship assistance programs.

Please read the following instructions carefully. How you authorized or set up automatic payment and how close you are to your next due date will impact the actions you need to take:

• Automatic Payments if your due date is within the next 7 days — If you have authorized PNC to electronically debit from a deposit account each month and your payment due date is within the next 7 days, please call. Otherwise, your automatic payment may process on your next scheduled due date.
  • We are available at 1-888-762-2265, Monday – Friday, 7 a.m. - 10 p.m., ET ; Saturday & Sunday, 8 a.m. – 5 p.m. ET).
  • If your next scheduled payment is within the next 3 business days, we are unable to stop it from processing.
• Automatic Payments set up via PNC Online Banking — If you have automatic payments via your PNC Online banking account, you will need to cancel or suspend your upcoming payment(s) through your online account or your payment will process on the next due date.
• Automatic Payments set up via Non-PNC Bank Account — If you have automatic payments via a non-PNC bank account, you will need to cancel or suspend your upcoming payment(s) through your non-PNC account or your payment will process on the next due date.

For most customers, we are able to immediately confirm if you qualify for a hardship assistance program. If approved, you will receive an overview of the program and a confirmation letter with details sent via US Mail. For customers requiring longer-term assistance (such as a loan modification), additional information will be required. We’ll let you know if that is the case and what steps you need to take.

Yes. While your payments may be lower during the hardship assistance program, interest will continue to accrue on your outstanding balance.

We encourage you to resume making payments if you no longer need hardship assistance. You may begin making full monthly payments at any time.

If you are experiencing a financial hardship and unable to make payments on your mortgage due to coronavirus, we are offering a temporary financial hardship payment forbearance option. You will not have to make your payments for an initial 90 days with the ability to extend for longer, if needed. Please complete and submit the mortgage hardship request form to be considered for this program.

Forbearance involves suspending your mortgage payment and stopping late fees, so you will not have to pay your full monthly payment during forbearance.

Forbearance does not mean your payments are forgiven. You are still required to eventually fully repay your forbearance amount, but you may not have to repay it all at once—unless you are able to do so. If needed, upon your request an additional forbearance may be granted.

No, you do not need to provide documents to apply for the temporary financial hardship payment forbearance program due to coronavirus. You will need to provide your full mortgage account number when you complete the mortgage hardship request form.

By submitting this form for your mortgage loan:

• You are requesting to forbear payments for an initial 90 days.
• During this period, no payment is required and no late payment fees will be charged.
• You may renew making full monthly payments at any time.
• You are still required to eventually fully repay your forbearance amount, but you may not have to repay it all at once — unless you are able to do so. We will contact you before the end of the forbearance period to see how you’re doing and explain options that may be available for you at that time.

Following submission of the electronic mortgage hardship request form, you will receive a confirmation letting you know that we’ve received the request. Following review, a letter will be sent via US Mail with additional details. There is no need to contact the Call Center in the interim. We appreciate your patience.

Upon completion of your request, a letter will be sent via US Mail with additional details. It may take up to two weeks to receive a response.

Payment is not required during the payment forbearance period.

IMPORTANT: If the monthly payment is scheduled for electronic debit within 10 business days, please do not submit this form before contacting us. Otherwise, your automatic payment may be processed before we are able to process your payment forbearance request. We are available at 1-800-523-8654, Monday – Thursday, 8 a.m. - 9 p.m. ET; Friday, 8 a.m. - 5 p.m. ET; Saturday: 9 a.m. - 2 p.m. ET.

If you have automatic payments via your online banking account or a similar form of automatic bill pay using your bank account, you should submit the payment forbearance form and you must deactivate the payment. If you do not turn off your existing bill pay, the payment will be applied to the account.

If you are making manual payments, you do not need to make a payment during this time. Submitting the payment forbearance form is the fastest way for us to review your account. We will reverse late fees and update the account status after the review as appropriate.

You can still apply for the coronavirus temporary financial hardship payment forbearance program.

No. Late payment fees will not be charged during the forbearance period.

Yes. Interest will continue to accrue on your account as provided in your loan documents.

We will reach out to you before your initial 90 day forbearance ends to inform you of your options.

You may renew making full monthly payments at any time if you no longer need the payment forbearance; however, we will contact you before the end of the forbearance period to see how you’re doing and explain options that may be available for you at that time.

To process a Wire Transfer you will need the following information:

• Recipient name
• Recipient account number OR IBAN (International Bank Account Number)
• Recipient bank routing (Domestic) OR Recipient SWIFT Code (International)
• Recipient mailing address with City, Region, Country and Postal ZIP code
• Any reference or for further credit information (optional)
• Sender’s Photo Identification

Note to process a domestic transfer over the phone, you may need to complete a Wire Transfer Agreement.  The form can be found by signing into Online Banking and visiting the Customer Service tab / Online Documents Center.

We are not able to process International wires via Customer Care Center at this time.

Fees may vary based on account type

Branch Domestic Wire - $30.00

Phone Domestic Wire - $45.00

International wire fee is $45.00 and can only be completed at a branch.

Domestic:

You can complete a Domestic wire by contacting a Branch for an appointment or by using a branch drive-up.

To find out more about Branch Services available, use our branch locator.

For domestic wires, you can also call our Customer Care center 1-800-272-6868 Monday through Friday, 8:30 A.M. – 4 P.M. EST.

We are not able to process Business Wire requests over the phone, please contact the branch for assistance.

International:

You can complete an International wire with a branch by setting up an in person appointment or utilize the branch drive up.  More information on current branch services at our branch locator.

We are not able to process requests for International Wire Transfers over the phone, at this time.

Domestic wire transfer may not be available same day.  In some instances, requests may not be processed until the following business day. Wire transfers can't be processed Saturdays, Sundays or holidays.  We may attempt to call you to verify your wire instructions. Incorrect information or delays in reaching you may delay the processing of your wire transfer.

Be on Alert for Vaccine-related Scams

Fraudsters take advantage of anxious consumers through phishing, vishing and social media scams

The Federal Bureau of Investigations and the U.S. Department of Health and Human Services have issued fraud alerts about criminals targeting vaccine distribution and consumers anxious for immunity from the disease. Telephone scams have already been reported, offering people a chance to avoid long lines or move to the head of the line to receive a vaccine for a fee. In addition, COVID-19 vaccine fraud may include the sale of unapproved, illegally marketed vaccines or counterfeit versions of approved vaccines. Here are some tips to help avoid such scams:

• Do not give cash or any other form of payment to individuals offering to move you to the head of the line. Fraudsters are using telemarketing calls, emails, text messages, social media platforms and door-to-door visits to perpetrate vaccine-related scams. You will not be asked for money to enhance your ranking for vaccine eligibility.
• Do not share your personal, financial or medical information with anyone other than your known and trusted medical professionals. Contact your medical provider using known and verified channels (phone number, online message portal) to confirm if they are, in fact, requesting such information. Scammers may try to obtain this information with the promise of putting you on a vaccine waiting list and then use the information to fraudulently bill healthcare insurance or to commit identity theft.
• Do not buy any kind of coronavirus vaccine on the internet or from an online pharmacy.  For guidance on the vaccine, turn to trusted resources such as your doctor or local health department.

Be alert to fraudulent emails, text messages and phone calls

Scammers are attempting to cash in on the government stimulus package by texting, emailing and calling people claiming to have a relief check available. In some cases, the scammer asks for personal information, including bank account information and social security numbers. PNC will never ask you for personal or financial information via email or text message.

Internal Revenue Service (IRS) Checks

• No business/service can get you a larger check or a check faster.
• No third party is being used by the IRS to “hold” or sort checks.
• Funds are issued directly from the IRS to you via direct deposit or U.S. Postal Service mail, based on how you filed your 2018 or 2019 taxes.
• The IRS will not ask for PINs, passwords or confidential access information for credit cards or bank accounts over the phone or email.

Phone Scams

Scammers may pose as IRS agents or bank employees to request sensitive information or to ask you to verify sensitive information, such as bank account credentials and Social Security Numbers.

• Let all incoming calls from unknown numbers/callers go directly to voice mail.
• Confirm any request with the alleged organization/business
• Use a known phone number or one published on the organization’s official website.

Email and Text Message Scams

Email or text messages may tempt you to click on a link to infect your device with malware, or call a fake number promising urgent news about your stimulus check or asking you to share personal or banking information. These phishing attacks are sometimes created to look like official bank correspondence.

• Do not click on links or open attachments
• Confirm the message is from a trusted source using a known phone number
• Forward any suspicious emails or text messages to abuse@pnc.com.

Important Reminders:

• PNC Bank will never ask you for personal information via email, text message or unsolicited phone call.
• During the pandemic, PNC Bank encourages you to stay home and stay safe when possible. Take advantage of PNC Mobile Deposit to deposit checks up to $10,000 or deposit using a PNC ATM.^[1][5][6]

Fraudsters may seek donations for charitable causes, posing as legitimate medical and/or health organizations. Email requests may be highly convincing as fraudsters are able to match the logos and formats of actual organizations and can create fake website URLs. Be cautious about the following:

• Requests to send charitable donations by gift card or by wiring money are red flags. Ask for detailed information about the organization and do not share personal information until you have researched the charity. Check with the Internal Revenue Service, Better Business Bureau, GuideStar.org orCharity Watch to verify that the charity is legitimate.
• Do not respond to emails, text messages or social media posts asking for donations. It is better to contact the charity directly through its official website or phone number.
• Be wary of giving to fundraising platforms/crowdfunding sites. While these sites contain many worthy causes, they do not screen users for authenticity. Ensure you are donating to a legitimate source.

Scammers may set up fake websites that offer “cures” (both natural and pharmaceutical), vaccines, testing kits and items that are in short supply at a low price, such as hand sanitizer. In some cases, scammers have accessed or purchased domain names referencing vaccines, cures or current topics in order to appear legitimate.

These phony websites may be designed to steal your credit card information or infect your computer with malware. Scammers may also demand payment up front, and then fail to deliver the ordered products. Tips to avoid a scam include:

• Be wary of offers for products purporting to be remedies for the coronavirus. Your doctor should be consulted and approve or prescribe any potential treatments.
• Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
• Evaluate before you click on a link with a domain name advertising a vaccine, cure or treatment, as it may lead to a fraudulent site.

Remote working and e-learning arrangements have become the new normal for many individuals and families since the pandemic began. The increase in consumers using video conferencing services has resulted in more attempts by scammers to hack into those channels to cause disruption and perpetrate fraud. To prevent intrusions into private meetings and sessions consider the following tips:

• Set-up all video conferences as “private” instead of public.
• Require a password to enter the session and share that password privately only with invited guests (not on social media, websites or other public channels)
• Make sure only the host can share his/her screen
• Supervise student video conferencing activity when possible to limit exposure to any inappropriate content

Scammers are posing as coworkers, emailing employees who are working from home using a fake personal email account or an official-looking business account. If you receive a suspect email from a co-worker, use a known phone number to check with your colleague to verify that they sent you something from their personal email. If they did not, report it to your system administrator or using the established protocol from your employer. If you are unsure of the status of an email, avoid clicking any links or responding to the sender.

You may receive text messages, emails or see social media posts providing information that is not true related to the coronavirus. This misinformation is intended to incite fear and provoke reactions from the public. To validate updates about the coronavirus, check the CDC website.

If you suspect a scam or believe you are the victim of any of the above scams, file a complaint with the Federal Trade Commission.