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


PNC understands the impact that the coronavirus pandemic is having on many of our customers and the communities we serve. We continue to work with those impacted, providing a variety of solutions that make the most sense for meeting their particular needs.

In addition to these solutions, we have supported qualifying consumers and businesses with billions of dollars of incremental loans. The extension of the federal Coronavirus Aid, Relief, and Economic Security (CARES) Act provides a variety of additional emergency relief programs for businesses, including the Paycheck Protection Program and consumers (including Economic Impact Payments a.k.a. "stimulus checks"). .

As we continue to navigate these uncertain times together, the safety and well-being of our customers, employees and the communities we serve remains our top priority. We will continue to update this site on the steps PNC is taking to do just that.

Latest Updates:

  1/14  Be on Alert for Vaccine-Related Scams
Paycheck Protection Program Update
12/31  Latest Round of Stimulus Checks

Economic Impact Payments (a.k.a. Stimulus Checks)


If you are a PNC Customer who is eligible to receive a government stimulus payment, and PNC has received your direct deposit, you may see the deposit as a "pending transaction" to your account. We expect many customers to have access to the funds as soon as January 1, 2021. HOWEVER, the U.S. Treasury has indicated that payments may be distributed in multiple phases; therefore, not all customers will receive stimulus payments at the same time. You can use Online and Mobile Banking to determine if the payment has posted, and, to access the funds, you can use ATMs, your debit card, and external transfers.

You may wish to visit to see if the U.S. Treasury has sent your payment via ACH credit.

The Treasury has stated that paper checks started to mail on December 30, 2020. If you are receiving a check, we encourage you to use our safe self-service deposit options including via the PNC Mobile app[1] or at a PNC DepositEasy℠ ATM. If you would like to visit a branch, please view our branch locator for up-to-date information and hours.

Learn more about our Online and Mobile Banking options »

Frequently Asked Questions

Branch & ATM Availability

The health and safety of our branch employees and customers continue to be a top priority during the coronavirus pandemic.

We are now beginning to reopen our branch lobbies. Nearly all branch lobbies will be open by Oct. 5. Simply view our branch & ATM locator for up-to-date information and hours. You can continue to bank through our drive-thru services, ATMs and in-branch, phone and virtual appointments.

Visiting your PNC branch

Welcome back! We look forward to serving your banking needs in our branch lobbies. Here’s what you can expect:

A PNC banker will greet you at the door and you may be asked to wait outside the branch. This will help us maintain social distancing by limiting the number of people in the branch.

Customers and employees are required to wear face coverings (even though it may not be required in all states or counties). Exceptions are made for those with underlying medical conditions and for young children.

You’ll see clear panels at the teller line and in bankers’ offices as well as floor markers to help with social distancing.

Scheduling an appointment with a banker

If you would like to schedule an in-person or phone appointment with a banker, you can do so online or use our branch & ATM locator to call your local PNC branch.

PNC COVID-19 Protective Measures

Following guidance from the Centers for Disease Control and Prevention (CDC), we continually adjust our cleaning frequency and protocols to conform with the CDC’s updated recommendations. Hand sanitizer is available for your use.

All PNC branches and solution centers have designated hours for vulnerable populations.

For details, view PNC COVID-19 Protective Measures Summary.

Many options for your banking needs

  • Visit our branch & ATM locator to view specific details on locations near you.
  • Learn more about what services we offer at our ATMs.
  • Find out how we can help you to bank from home with online and mobile banking.

Bank from Home with Online & Mobile Banking


With impacts to branch availability, we strongly recommend that you leverage all of our available tools and resources for self-service banking and 24/7 account access through our mobile[1], online and voice banking services.

Through these channels, you can:

  • Check balances and account activity
  • Schedule and track bill payments with Online Bill Pay[2]
  • Transfer money between your PNC accounts or from your external accounts[3] 
  • Send and receive money with people you know and trust in the US using Zelle®[4]
  • Deposit checks with our mobile app - plus PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases[6]
  • Find the nearest ATM
  • and more...

We also offer other online solutions such as PNC Easy Lock and Overdraft Solutions.

Visit our tools & technology page to learn more and get started.

Personal Loans, Lines of Credit, Credit Card
& Mortgage Assistance

We’re committed to helping you during this difficult time. Whether you are experiencing COVID-related hardship for the first time related to making a payment, or you’ve previously received hardship assistance and that plan is about to expire, we have a variety of programs that may be available to help you, depending on your specific situation. Here’s what you should do:

  • If you can continue to make your payments, you should do so.
  • To apply for COVID-related hardship assistance, please use the appropriate buttons below for the product(s) you currently hold with PNC. For most customers, we are able to immediately confirm if you qualify for a hardship assistance program.
  • For questions or hardship assistance not related to COVID-19, please call the number on your statement or the back of your credit card or call 1-888-PNC-BANK (762-2265).


  • Personal Credit Cards
  • Auto Loans
  • Home Equity Loans or Lines of Credit
  • Personal Loans
  • Mortgage

Please note if you need assistance with any of the below products you should not use either form:


Automatic Payments Notice: If you have authorized PNC to electronically debit payments from a deposit account each month and your payment due date is within the next 7 days, please call us. Otherwise, your electronic payment may process on your next scheduled due date. If your next scheduled payment is within the next 3 business days, we are unable to stop it from processing.

  • For Mortgage, we are available at 1-800-822-5626, 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
  • For other consumer loan products, 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

Please be sure to read the FAQ section for important details on automatic payments. In some cases, you may need to take action if you are approved for a hardship assistance program.

FAQs for Credit Cards, Auto Loans, Personal Loans or Lines of Credit, and Home Equity Loans or Lines of Credit
FAQs for Mortgage

Wire Transfers

Information on How to Complete a Consumer Wire Transfer

Small Business Clients


Paycheck Protection Program

The CARES Act created the Paycheck Protection Program, which will serve as an extension of the Small Business Administration (SBA) 7(a) loan program, allowing financial institutions to provide federally-backed, forgivable loans to eligible businesses.

To learn more about the Program or to check the status of your completed application, please visit our Paycheck Protection Program page.


Loans, Lines of Credit & Credit Card Assistance

If you are unable to make your payment, we may have options to help you navigate this unprecedented time. If you are concerned about making business loan or credit card payments, we have a variety of programs available to assist you.  Solutions may include the ability to postpone payments for a period of time. For Small Business Lending Products, we are providing a range of modification options with no late fee.

For business owners, while not managed or facilitated by PNC, we want to make sure you are aware that the Small Business Administration (SBA) is offering a disaster relief program.  Businesses in need should apply directly with the SBA at or call 1-800-659-2955.

We appreciate your business and hope that our small business customers who require assistance during this difficult time will contact us so that we can determine how best to help.

Contact us by phone:

Business Credit Cards 1-888-514-9121
ext. 11040
Monday – Thursday: 8 a.m. – 8 p.m. ET
Friday: 8 a.m. – 7 p.m. ET
Business Loans and Lines of Credit 1-877-287-2654 Monday – Friday: 7 a.m. – 10 p.m. ET
Saturday & Sunday: 8 a.m. – 5 p.m. ET



PNC Merchant Services® Assistance

We are leveraging all of the resources of PNC Merchant Services to support our clients through this challenging period.

Know you can reach us 24 hours a day, 7 days a week at 1-800-742-5030. We stand ready to offer assistance and support.

For more helpful tips and information, visit our business continuity resources page.

Corporate & Institutional Clients

Paycheck Protection Program

The CARES Act created the Paycheck Protection Program, which will serve as an extension of the Small Business Administration (SBA) 7(a) loan program, allowing financial institutions to provide federally-backed, forgivable loans to eligible businesses.

To learn more about the Program, please visit our Paycheck Protection Program page.


Financial Assistance

We have numerous ways to offer assistance, as needed, to impacted customers. Should you, as a current corporate client of PNC, encounter hardship as a result of the coronavirus, please reach out to your PNC relationship manager. We are here to help you with your financial needs during this period of uncertainty,

While not managed or facilitated by PNC, we want to make sure you are aware that the Small Business Administration (SBA) is offering a disaster relief program.  Businesses in need should apply directly with the SBA at or call 1-800-659-2955.


Treasury Management (PINACLE) Client Reminders

For our Treasury Management clients, we recognize that PINACLE, our commercial online and mobile banking platform, is a critical component of your financial processes and is important to helping you manage your business. Important steps to consider when reviewing your business resiliency plans with respect to your PINACLE access and related activities is available in the News Portlet located on the PINACLE Home page.  Information on features that may help you to manage your cash flow and run your business are also available on the PINACLE section our website.


Ideas & Insights for Navigating Economic Uncertainty

Over the years, many of us have faced tough challenges including a tech bubble, 9/11, a financial crisis and now coronavirus. Today, maintaining the resiliency of your business demands a fresh look at ideas and insights that can help you transcend the present challenges and emerge stronger on the other side.

View our tips for Corporate & Institutional banking clients.

Scam & Fraud Alerts

Warning: Fraudsters Use Global Crises, like Coronavirus, to Phish

COVID-19 SCAMS UPDATE: Vaccine-Related Scams

Don’t take the bait. Be alert to phishing emails, fraudulent text messages and other coronavirus-related scams.

The coronavirus (COVID-19) has provided fuel for cyber criminals to prey upon the public’s concern about this global crisis. Recent scams are designed to trick people into sending money, to disclose personal information or to click on emails and websites that deliver computer malware onto your computer or network. These include:

  • Impersonating a representative of a bank or other financial institution providing or requesting information about your account.
  • Seeking donations for charitable causes related to the virus.
  • Impersonating a legitimate medical or health organization selling products that claim to prevent, mitigate, treat, diagnose or cure coronavirus.
  • Posing as an in-demand medical supply company offering to sell hard-to-find medical supplies to protect against the virus.
  • Taking advantage of the recent increase in work-at-home arrangements by impersonating legitimate business correspondence.
  • Posing as a government organization claiming to provide information about the coronavirus, such as heat maps or infographics.

IMPORTANT NOTE: PNC Bank will never ask you for personal information via text message. If you suspect you've received a fraudulent email that appears to be from PNC, forward the message to PNC Abuse ( If you suspect you’ve received a fraudulent text message that appears to be from PNC, take a screen shot of the text message on your mobile phone and forward it to PNC Abuse (

Learn the characteristics of some of the most common scams and how to protect you and your family:


Impacts to Markets and the Economy and Strategies Focused on Helping Consumers and Businesses Weather the Times Ahead

Latest Insights

Markets & Economy

Perspectives on the Market Conference Call Replay: Taking Stock of Recent Market Volatility Series

PNC’s investment leaders discuss investment challenges and opportunities in the municipal bond and commercial real estate markets given today’s economic turbulence.

55:34 min video

Markets & Economy

Business Tax Provisions of the CARES Act

A summary of some CARES Act tax relief provisions designed to help business owners.

5 min read

Running Your Business

Relying on Remote Employees? Help Them Feel Connected with Their Team

Check out these timely tips for employers with remote workers that seem especially relevant in today’s social distancing environment. This article initially ran in the Spring 2017 edition of Insights for Women in Business Magazine.

2 min read

Additional Insights

Economic Reports
Our economists provide analyses and forecasts of national, regional and global economic & financial trends.

Markets, Economy & Investments
Weathering any potential storm starts with keeping up with how the markets can impact your assets and what you can do during economic downturns.

Managing Your Business Finances
Discover approaches to managing day-to-day financial activity, so that you can help to ensure success tomorrow.

Ideas & Insights for Navigating Economic Uncertainty
Tips for Corporate & Institutional banking clients.

Important Legal Disclosures and Information

  1. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  2. Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

  3. PNC limits the number of transfers that may be made from a savings or money market account.  Please see your account agreement for more information.

  4. Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offers a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle is subject to and conditional upon adherence to the terms and conditions of the PNC ZelleTerms of Use.  

  5. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  6. After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee.

    The fee for PNC Express Funds is 2% of each check amount over $100.  For any check amount from $25 to $100, a $2 fee will apply to each check.

    If the check is returned due to insufficient funds, PNC will not debit your account. 

    If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.

    Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.