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

Hardship Assistance

If you are unable to make your payment, we may have options to help you navigate through this unprecedented time. Specifically, we will consider assisting those impacted customers by waiving or refunding fees associated with lending products, including credit card and mortgage. If you are concerned about making a consumer loan, auto loan, credit card or mortgage loan payment, we have a variety of programs available to assist you. Solutions may include the ability to postpone payments for a period of time.

• You may be able to postpone your monthly payment with no late fees during the postponement period if you have one of the following products:
  • Auto Loan
  • Unsecured Installment Loan or Unsecured Line of Credit
  • Credit Card
  • Mortgage
  • Home Equity Loan or Home Equity Line of Credit
• For Student Loans, you may be able to postpone payments with no late fees during the postponement period. We also have loan modification options available for those who qualify. Please go to www.aessuccess.org and once logged onto your account, select “having your payments postponed” to request assistance.

If you’re in need of additional funds, we are offering an emergency hardship loan available for qualified customers. You can contact us at the number below to request an emergency hardship loan.

We appreciate your business and hope if you require assistance during this difficult time that you contact us so that we can determine how best to help.  We’ve launched a form to make it easier to communicate with us, where you can describe your hardship we'll route it to the right team member to review.  Additionally, here is a list of phone numbers if you choose to call us with your request.

If you still have questions or concerns, please contact us by phone (due to the volume of requests from customers we are trying to help, you may experience slower response times):

Disputed Transactions

Customers are able to dispute purchases made using PNC credit and debit cards.  For transaction disputes related to travel and entertainment charges and cancellations (or any other disputed charge), we encourage you to consider first directly contacting the provider responsible for the disputed transaction. Many of these business are being flexible regarding changes and cancellations.

Special Notice for Customers with Automatic Deductions for Payments

Customers who have a monthly loan payment automatically deducted from their PNC or non-PNC checking or savings account, may have a 0.25% APR discount as part of being enrolled in automated payments.

If you are concerned about not being able to make your payment and want to cancel your automated payment, you may risk no longer receiving your 0.25% APR discount. To help maintain this discount, there may be other options for payment relief instead of cancelling:

• Suspend the automated payment: This option suspends the payment for one payment only. Once you make your payment through another method, the suspension is lifted and your automated payments resume the following month. Your 0.25% APR discount would not be affected. If you do not make a payment, automated payments will not resume and your account will become past due.
• Apply for a postponement: This option pushes out your monthly payments for a longer period of time. Your automated payments would be suspended during the postponement period, and your 0.25% APR discount would not be affected. Please use the Consumer Loan Hardship Request Form to apply for a postponement.

If you choose to cancel your automated payment, you will no longer receive the 0.25% discount, and the discount will not be reapplied if you enroll in automated payments in the future. You would be responsible for making your monthly payments through another method.

Late Fees

Fees for late payments can be avoided if you are enrolled in a payment hardship program.

Loan Closings

Appointments are available on designated days of the week for loan closings. Please visit our branch locator to find the most convenient open branch for your loan closing appointment.

Deposit Account Assistance

We are prepared to assist those directly impacted customers by waiving or refunding certain fees associated with deposit accounts such as monthly service charges and overdraft fees. Customers can contact us, and we will work with you directly:

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 https://disasterloan.sba.gov/ela 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.  We’ve launched a form to make it easier to communicate with us, where you can describe your hardship and have it routed to the right team member to review.  Additionally, here is a list of phone numbers if you choose to call us with your request.

Contact us online (fastest response time):

Contact us by phone:

Deposit Account Assistance

PNC is prepared to assist those directly impacted clients by waiving or refunding certain fees associated with deposit accounts such as monthly service charges and overdraft fees. Clients can contact us, and we will work with you directly:

1-877-BUS-BNKG (287-2654)
Monday — Friday: 7:00 a.m. to 10:00 p.m. ET
Saturday & Sunday: 8:00 a.m. to 5:00 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.

To begin, we are proactively waiving select, recurring Merchant Services monthly account and service fees^[5] for current customers for March and April, 2020, to help offset the impact that the coronavirus may be having on your business. This includes the following monthly fees:

• Clover® Software
• Payeezy Gateway^SM
• Monthly Service Fee
• Monthly Minimum Processing Fee

We are also extending the time period to qualify for the Q1 2020 $500 reward from three billing cycles to four billing cycles.^[6] To the extent you qualify for the reward, it will appear as a credit on your merchant statement in your fourth or fifth billing cycle, depending on when you reach $10,000 in transactions.

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.

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, forgiveable loans to eligible businesses.

To learn more about the Program and request contact from a PNC representative, 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 https://disasterloan.sba.gov/ela/ 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.

The safety and well-being of our customers, employees and communities remains our top priority, while continuing to serve you with as minimal disruption as possible.

Effective Friday, March 20, we have:

• Made temporary adjustments to our Retail Branch Network, operating primarily in a drive-up only mode, augmented with select branches that do not provide drive-up capability, to ensure branch access across our communities.  Together, about three quarters of our current branch locations will remain open to service customers. Given the reduced branch traffic we are seeing, we are confident we can continue to effectively serve you in the branches that will remain open, should you need to visit.  The remainder of our branches will be closed until further notice.
• Reduced Branch Hours: Branches will be open 10 a.m. to 5 p.m. ET Monday through Friday and 9 a.m. to 1 p.m. ET Saturday, closed on Sunday. Please note, PNC Solution Centers in the North Texas and Kansas City markets will remain open 9 a.m. to 5 p.m. CT Monday through Friday.
• Offered Essential Appointments, available on designated days of the week for safe deposit box access, loan closings or other banking services that cannot be delivered through the drive-up, by telephone, through our ATM network or via mobile or online banking.

Keeping our PNC branches and facilities safe and clean is a top priority. We have increased our cleaning frequency and enhanced our cleaning procedures following CDC standards in the retail branches and our office facilities, with increased focus on high traffic and high touch point areas. This includes our interior, walk-up and drive-up ATMs and drive-up equipment. Additionally, our branches are provided disinfectant wipes and spray, hand sanitizer and gloves.

Visit our branch & ATM locator to view specific details on locations near you.

Learn more about what services we offer at our ATMs.

Learn about how we can help you to bank from home with online & mobile banking.

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.

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 (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).