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

The federal CARES Act, recently announced by the U.S. Treasury Department and the Internal Revenue Service, provides a variety of additional emergency relief programs for small businesses and consumers, including economic impact payments.

As outlined in the CARES Act, eligible taxpayers will receive a one-time economic impact payment. The payment will be up to $1,200 for individuals, $2,400 for married couples, and up to $500 for each qualifying child.

Eligibility will depend on income. For those individuals with an adjusted gross income more than $75,000, payments will be reduced; those with an adjusted gross income more than $99,000 are not eligible for a payment. For couples with an adjusted gross income of more than $150,000, payments will be reduced; those with an adjusted gross income more than $198,000 are not eligible for payment.

According to irs.gov, eligible retirees and recipients of Social Security, Railroad Retirement, disability or veteran’s benefits – and taxpayers who do not make enough money to normally have to file a return, may receive a payment (this includes those with no income or whose income comes entirely from certain benefit programs). Social Security recipients who are not typically required to file tax returns will not need to take action; payments will automatically be direct deposited or sent by paper check, just as they normally receive their benefits.

Payments to couples will be reduced for those with an adjusted gross income more than $150,000 and will be zero for those with an adjusted gross income more than $198,000.

The economic impact payment will be deposited directly into the same banking account reflected on the 2019 or 2018 return filed by the taxpayer. This may have occurred April 15, 22, 29 or 30 with additional funds expected in the future, or will be distributed to eligible individuals via paper check.

PNC is closely monitoring updates from the U.S Treasury and the Internal Revenue Service about the economic impact payments that eligible taxpayers may receive. We encourage you to visit the Economic Impact Payment Information Center on irs.gov for the latest information and full details.

Individuals may have received these funds on April 15, 22, 29 or 30 with additional funds expected in the future. The IRS has a portal available for Non-Filers to enter banking information at irs.gov. Payment status is available on the IRS website at irs.gov/coronavirus/get-my-payment.  Eligible individuals who did not use direct deposit when filing and have not updated their banking information with the IRS, may be receiving a paper check several weeks from now. Visit the Economic Impact Payment Information Center at irs.gov/coronavirus for more information.

Direct Deposit

At this time, it is PNC’s understanding that the economic impact payment will be deposited directly into the same banking account reflected on your 2019 tax return. If you have not yet filed your tax return for 2019, the account indicated on your 2018 tax filing will be used.

If the IRS does not have your direct deposit information from your 2019 or 2018 filed return, a way to set up direct deposit is forthcoming. The U.S. Treasury will be providing a web-based portal for you to set up direct deposit by providing your bank routing number (aka ABA Routing Number) and account number to the IRS online. (See how you can easily find your routing and account numbers.) The IRS will provide updated information as it becomes available. Visit the Economic Impact Payment Information Center on irs.gov for more information.

Paper Checks

If direct deposit information is not available or incorrect, you may receive a paper check in the mail in the next several weeks. Paper checks will have “Economic Impact Payment” in the memo line.

Because we anticipate longer lines at our drive-up branches when the paper checks arrive, 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’s mobile banking apps, using your tablet or mobile phone. Visit our Mobile Apps Directory page to find the right app for your device.^{[1, 7]}
• ATMs: PNC customers can access money fee-free at nearly 18,000 ATMs across the country. Visit pnc.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.

According to irs.gov, eligible retirees and recipients of Social Security, Railroad Retirement, disability or veteran’s benefits – and taxpayers who do not make enough money to normally have to file a return, may receive a payment (this includes those with no income or whose income comes entirely from certain benefit programs). Social Security recipients who are not typically required to file tax returns will not need to take action; payments will automatically be direct deposited or sent by paper check, just as they normally receive their benefits.

You’ll be 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.

PNC is taking steps to make the full amount of your economic impact payment direct deposit or check available to you. 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. 

Our online and mobile tools are available to you 24/7. It’s easy to enroll in PNC Online & Mobile Banking and download our mobile app.^[1]

As outlined in the CARES Act, eligible taxpayers will receive a one-time economic impact payment. The payment will be up to $1,200 for individuals, $2,400 for married couples, and up to $500 for each qualifying child.

Eligibility will depend on income. For those individuals with an adjusted gross income more than $75,000, payments will be reduced; those with an adjusted gross income more than $99,000 are not eligible for a payment. For couples with an adjusted gross income of more than $150,000, payments will be reduced; those with an adjusted gross income more than $198,000 are not eligible for payment.

According to irs.gov, eligible retirees and recipients of Social Security, Railroad Retirement, disability or veteran’s benefits – and taxpayers who do not make enough money to normally have to file a return, may receive a payment (this includes those with no income or whose income comes entirely from certain benefit programs). Social Security recipients who are not typically required to file tax returns will not need to take action; payments will automatically be direct deposited or sent by paper check, just as they normally receive their benefits.

Payments to couples will be reduced for those with an adjusted gross income more than $150,000 and will be zero for those with an adjusted gross income more than $198,000.

The IRS is first sending money to those for whom it has bank account information on file. That might not be you if you haven't received a tax refund over the past two years -- or if you received a refund by a check in the mail, rather than by a direct deposit.

The Get My Payment tool, which launched April 15, will also allow taxpayers to input their bank account information so that they can receive the money electronically, which may be faster than by paper check. Please visit irs.gov/coronavirus/get-my-payment for more information and to access the tool.

The IRS created an online tool, called Get My Payment, which can be used to check on the status of your money. It launched April 15 and is available on the IRS website.

Please visit irs.gov/coronavirus/get-my-payment to access the tool. 

Visit the Economic Impact Payment Information Center on irs.gov for the latest 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.

Online: Sign on to Online Banking and make a payment

Phone: Call PNC to pay by phone at 1-888-762-2265

Mail: Send a check in the mail with your payment coupon. If you don’t have a coupon  make sure you write your loan account number on the check.

PNC Bank
PO Box 747066
Pittsburgh, PA 15274-7066

Online: Sign on to Online Banking and make a payment

Phone: Call PNC to pay by phone at 1-800-558-8472

Mail: Send a check in the mail with your payment coupon. If you do not have a coupon, make sure you write your account number on the check.

Online: Sign on to Online Banking and make a payment

Phone: Call PNC to pay by phone at 1-888-762-2265

Mail: Send a check in the mail with the payment coupon. If you don’t have a coupon (make sure you write your account number on the check)

Online: Sign on to Online Banking and make a payment

Phone: Call PNC to pay by phone at 1-800-474-2101

Mail: Send a check in the mail with your payment coupon. If you do not have your statement, make sure you write your account number on the check.

Online: Sign on to Online Banking and make a payment

Phone: Call PNC to pay by phone at 1-877-287-2654

Mail: Send a check in the mail with your payment coupon. If you do not have your statement, make sure you write your account number on the check.

PNC Bank, N.A.
Commercial Loan Operations
PO Box 747046
Pittsburgh PA 15274-7046

Online: Sign on to Online Banking and make a payment

Automated payments: Sign up for Home Equity ACH/EFT by completing the form available at pnc.com/equityautopay and faxing or mailing it as indicated on the form

Phone: Call PNC to pay by phone at 1-888-762-2265

Mail: Send a check in the mail with your payment coupon. If you do not have your statement, make sure you write your account number on the check.

Online: Sign on to Online Banking and make a payment

Automated payments: Sign up for Mortgage ACH/EFT by completing the form available at pnc.com/mortgageautopay and faxing or mailing it as indicated on the form

Phone: Call PNC to pay by phone at 1-800-822-5626

Mail: Send a check in the mail with your payment coupon. If you do not have your statement, make sure you write your account number on the check.

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.

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 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][7][8]

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.

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).

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.