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.

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:

Economic Impact Payments (a.k.a. Stimulus Checks) and Advance Childcare Tax Credit Payments


PNC customers who have direct deposit set up through the Internal Revenue Service can expect to receive Advance Childcare Tax Credit Payments beginning July 15, 2021. Customers can use Online and Mobile banking to determine if the payment has posted. To access the funds, customers can use ATMs and debit cards as an alternative to using PNC’s branches.

Customers can sign up for direct deposit of Advance Childcare Tax Credit Payments with IRS to receive these payments electronically. Visit the IRS site for more information.

If you don't file a tax return, visit by November 15, 2021 for more information, to check your eligibility or to file your child tax credit.

If you received 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 »


For all information regarding Economic Impact Payments and Advance Childcare Tax Credits, visit

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.

All branch lobbies are currently open. 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

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

A PNC banker may 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.

Employees may wear face coverings (even though it may not be required in all states or counties).

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.

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


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.

Managing Your Payments

PNC has a variety of programs that may be able 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 hardship assistance on any of the products shown below, please use the button below for the product(s) you currently hold with PNC.
  • Mortgage customers, please call us at 1-800-523-8654, Monday - Thursday; 8 a.m. - 9 p.m. ET; Friday, 8 a.m. - 7 p.m. ET; Saturday, 8 a.m. - 2 p.m. ET.
  • For questions about hardship assistance, please call the number on your statement or the back of your credit card, or call 1-888-PNC-BANK (762-2265).


If you need assistance with any of the below products, do not apply through the consumer loan hardship assistance program above. Please call us to talk about how we can help:


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 at 1-888-762-2265, Monday - Friday: 8 a.m - 9 p.m. ET; Saturday & Sunday, 8 a.m. - 5 p.m. ET. 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.

Past Due Payments: You may receive a call, letter, email, or text from PNC asking you to contact us or reminding you to make a payment on your account using one of several convenient methods:

  • Pay using Online Banking[7]
  • Call us to pay over the phone with an agent
  • Utilize Mobile banking to make a payment
  • Pay at a local branch.
  • Mail your payment

If you receive an email from PNC regarding your past due account and wish to no longer receive that form of communication, simply click the Unsubscribe link in the email. If you receive a text from 792-60 asking you to contact us regarding a past due account and wish to no longer receive that form of communication, please reply STOP.[7,8]

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.


Managing Small Business Payments

If you are concerned about making business loan or credit card payments, we have a variety of programs available to assist you. Please call us so that we can determine how best to help you and your business.

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: 8 a.m. – 9 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.

Scam & Fraud Alerts

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

COVID-19 SCAMS UPDATE: Unemployment 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:

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 Zelle® Terms 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.

  7. PNC may communicate with you about your accounts / loans via text messages to your registered device. Message and data rates may apply.

  8. T-Mobile is not liable for delayed or undelivered messages.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.