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.
2/11 Unemployment Scams
1/14 Be on Alert for Vaccine-Related Scams
1/11 Paycheck Protection Program Update
12/31 Latest Round of Stimulus Checks
IMPORTANT UPDATE:
Most PNC customers who were eligible to receive a government stimulus payment began receiving access to the funds beginning January 1, 2021. However, not all customers received stimulus payments from the U.S. Treasury at the same time. You can use Online and Mobile Banking to determine if the payment has posted. To access the funds, you can use ATMs, your debit card, and external transfers.
You may wish to visit irs.gov/coronavirus/get-my-payment to see if the U.S. Treasury has sent your payment via ACH 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.
We encourage you to visit the Economic Impact Payment Information Center on irs.gov for the latest information and full details.
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.
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.
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:
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
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:
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.
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.
PNC has a variety of programs that may be able to help you depending on your specific situation. Here’s what you should do:
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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: 7 a.m - 10 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.
If you want to learn more about hardship assistance, please call the number listed below for the product you currently hold with PNC:
Personal Credit Card | 1-800-558-8472 | 24 / 7 |
Auto Loan Home Equity Loan or Line of Credit Personal Loan or Line of Credit |
1-888-762-2265 | Monday – Friday: 7 a.m. – 10 p.m. ET Saturday & Sunday: 8 a.m. – 5 p.m. ET |
Student Loans | 1-800-233-0557 | Monday – Friday: 7:30 a.m. – 9 p.m. ET |
Mortgage | 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 |
Information on How to Complete a Consumer Wire Transfer
To process a Wire Transfer you will need the following information:
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.
PNC Bank's SWIFT Code (BIC), for incoming international wires only, is PNCCUS33.
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.
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 |
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.
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.
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 https://disasterloan.sba.gov/ela/ or call 1-800-659-2955.
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.
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.
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:
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 (abuse@pnc.com). 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 (abuse@pnc.com).
Learn the characteristics of some of the most common scams and how to protect you and your family:
Fraudsters Take Advantage of Widespread Job Loss to File Fraudulent Claims for Unemployment
Beginning mid-2020, the Federal Bureau of Investigation[7] (FBI) reported a spike in fraudulent unemployment insurance claims related to the COVID-19 pandemic, slowing the delivery of benefits to people in real need. Using personally identifiable information stolen in past years through a variety of data breaches, the fraudsters file a claim using the names and personal information of people who have not lost their jobs.
Warning signs
A majority of U.S. states tax unemployment benefits as personal income. Often the first indication of this type of fraud occurs when the victim is notified that he/she owes taxes on unemployment benefits fraudulently paid out in their name, or when they are contacted by an institution for penalties resulting from the fraudulent activity. Be on alert for these additional warning signs:
Follow the money
Unemployment scammers typically arrange for benefit payments to be deposited into bank accounts they've opened. Unfortunately, before the fraud is detected, the benefits have often been paid, deposited to an account that the criminal controls, and cashed out through various means. On occasion, the payment is deposited into the real individual’s account instead. In this situation, emboldened fraudsters may call, text or email to try to encourage the recipient to send some or all of the money to them. They may pretend to be a representative with the state unemployment agency and claim the money was sent by mistake.
If you receive unemployment benefits that you never applied for:
Protect your personal data and accounts
If you suspect that a fraudulent claim for unemployment insurance has been applied for in your name, that means that your personal information has been compromised; a bad actor is using your personal information, including Social Security numbers and dates of birth, to file the fraudulent claim. Take steps to protect your accounts and your data:
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:
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
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.
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.
Important Reminders:
Email or text messages may tempt you to click on a link or call a fake number promising urgent news about the coronavirus or asking you to share personal or banking information. Scammers also may reach out via text message, imitating official correspondence from PNC customer service. Fraudulent text messages may include harmful links, may link to fake login pages, or may ask you to call a fake number. These attacks are designed to resemble legitimate correspondence and rely on your inability to spot them. Red flags include:
For more information on how to spot and avoid a phish, see Learn How to Catch a Phish.
For more information on avoiding SMiShing attacks, see Secure Your Cell Phone Against SMiShing
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:
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:
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:
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.
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.
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.
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.
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.
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.
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.