Frequently Asked Questions

Start here! You may find answers to your questions and concerns in our Frequently Asked Questions.

Questions About My Account

Routing numbers are nine digit numbers that can also be referred to as banking routing numbers, routing transit numbers, RTNs, and ABA numbers. This code identifies your financial institution and it can differ depending on where you opened your account and the type of transaction you make. There's a number of ways you can find your Account/Bank Routing numbers:

There's a number of ways you can find your Account/Bank Routing number:

On Your Paper Checks:

Your Account number and Bank (ABA) Routing number can be found at the bottom of your checks:

Corner of check showing example routing number and account number

If you don’t have your checkbook handy, don’t worry. If you have recently written a check that has posted to your account you can:

  1. Sign on to Online Banking.
  2. Select your account.
  3. Within the Posted Transactions section of the Account Activity page, locate a recently posted check and click on the blue hyperlink under the Description column.
  4. View an image of the check to obtain the routing and account number.

On Your Online Statement

If you have activated Online Statements within Online Banking, you can find your full account number on the PDF version of your Online Statements. To find your full account number:

  1. Sign on to Online Banking.
  2. Select your account.
  3. Click on the Online Statements link from the Account Activity page.
  4. Click on the Print Statement link. The full account number can be viewed on the top right hand corner of the statement.

On your Account Activity page in Online Banking:

  1. Sign on to Online Banking.
  2. Select your account.
  3. Click on the “Show Account & Routing Number” link below the Account pulldown selector.
  4. You will be asked to verify your identity by receiving a one-time passcode to your mobile number and entering it on the screen.
  5. Once your identity has been confirmed, you will be able to view the details of your Account information. Note: For your security, if you do not close out the window that displays your full account and routing number within 15 minutes, it will automatically close.
  6. Clicking on “For wire transfers” displays the information necessary to create an incoming wire transfer. Please note that routing numbers for wire transfers may be different than the routing number on other accounts. Additional information on wire transfers can be found by clicking on the link at the bottom of this FAQ.

In the mobile app:

  1. Sign on to the mobile app.
  2. Select your account, then go to Account Actions and select Account and Routing Numbers.
  3. Verify your identity by entering a one-time passcode to view your full account number and routing number.

On Your SmartAccess Cards in Online Banking:

  1. Sign on to Online Banking.
  2. Select your SmartAccess Card.
  3. Click on the “Sign On to SmartAccess” link to the right of your Available Balance.
  4. Once signed in to SmartAccess, your routing number and full account number can be found under the “Direct Deposit Information” section on the Account Summary page.

Note on Incoming Wire Transfers:
If you want to set up incoming wire transfers, your routing number is different than the one displayed on your account(s).  To set up an incoming wire transfer you will need your account number and this PNC Bank Routing Number: 043000096

If you forget your Password, you can reset it online with your debit card information or a phone number that you have enrolled through Online Banking.

To reset your Password and regain access immediately, click on the "Forgot Your User ID or Password?" located in the Online Banking Sign On block on pnc.com. This link will walk you through the steps necessary to reset your Password.

If you forget your User ID, you will need to contact us directly by either calling us, contacting us via chat, or stopping into any of our PNC Branches to obtain this information.

It's easy to change the address you have on file with PNC for your accounts:

1. In Online Banking, Click on the Customer Service tab and then select the "Customer Profile" option at the top. You'll see your personal information.

2. To update your mailing address:

  1. Click "edit" next to the Customer Address section.
  2. Place a check next to the account(s) that you would like to change.
  3. Type in your new address and click the "next" button.
  4. Confirm that the new address is correct and click the "submit modifications" button.

3. To update your phone number:

  1. Click “edit” next to the Telephone Numbers section.
  2. Delete the digits in either the Primary and Secondary fields.
  3. Click the “Next” button.

4. To update your email address:

  1. Click “edit” next to the Email Addresses section.
  2. Type in your new email address.
  3. Confirm your new email address by reentering it.
  4. Click the “Submit Modifications” button.

For a non-U.S. address or phone number change, use Message PNC in the PNC Mobile app or Online Banking. For an address change, include your new physical, international address or a military box address and contact number.

For Business Accounts: To ensure your protection and security, please change your address by visiting your local PNC branch.

 

Your deposit is typically available on the first business day after your deposit is received. Your funds may be delayed, however, depending on the type of deposit and the amount of that deposit.

See when funds deposited to your Consumer Accounts will be available:

Type of Deposit Funds will be available…
Cash with teller or at certain PNC ATMs, Direct Deposit or wire transfer Same business day
Check from an account at PNC

Same business day to cover items in nightly processing

Remainder – next business day

Check from an account at another financial institution

$100 - Same business day

Remainder – next business day

Large deposit ($50,000 or more in one day)

New account holders (30 days or less)

$100 - Same business day

$125 - Next business day

Remainder – next business day

Deposits of cash or other items at non-PNC ATMs Fourth business day

In some situations, you may be notified that your funds may not be available for up to 5 business days after you make your deposit.

For more information on the circumstances under which a delay may occur, refer to the applicable Funds Availability Document:

It’s easy to order checks with Online Banking:

  1. Sign in to Online Banking
  2. Click on the Customer Service Tab
  3. In the Manage Accounts section, click on Order Checks & Supplies.
  4. Click on the “Checks/Supplies” link under the Order column next to the account for which you want to order checks.

Sign up for Automatic Check Reorder so you don’t have to remember about reordering checks.

Automatic Check Reorder is a free service offered by PNC that notifies you when 70% of your checks are gone. At that time, you can make changes to your check style or address. Your new checks will be mailed to you automatically

Not sure if you’re already enrolled in Automatic Check Reorder?

  1. Sign in to Online Banking
  2. Click on the Customer Service Tab
  3. In the Manage Accounts section, click on "Order Checks & Supplies".

You will see a list of your open accounts. Look in the Automatic Check Reorder column and it will state “Enabled” for the accounts that are enrolled.

You were charged a fee because your account was overdrawn.

There were not enough funds in your account to pay for all of the transactions that were posted to your account. Fees may be charged for each Overdraft Item (OD) or Returned Item (NSF).

If you sign on to Online Banking, you can view the transactions that led to your overdraft by clicking on the Overdraft Item Fee or Returned Item (NSF) Fee.

PNC customers with a Virtual Wallet Spend account: You won't be charged a returned item (NSF) fee. You may see a maximum of one overdraft fee per business day. If there are additional overdrafts on the same business day, those items will be paid or returned with no additional fees.

PNC customers with other checking/savings account types: You may see a maximum of four overdraft or returned item fees per business day. If there are more than four items per business day, those items will be paid or returned with no additional fees.

Please refer to the appropriate Consumer and Business Schedule of Services and Fees for additional information.


A "Stop Payment" allows you to stop payment on a check, range of checks or pre-authorized payment (excluding cashier's checks, money orders or other cash equivalent items).

To place a Stop Payment:

  1. Sign On to PNC Online Banking.
  2. Click the "Customer Service" tab.
  3. Select "Stop Payment" from the Account Services section.
  4. Select the type of stop that you would like to place.
  5. The screens that follow will walk you through the remaining steps to place the stop payment.

All Stop Payment requests on a pre-authorized payment must be received by PNC at least three (3) business days before the payment is scheduled to be made. Once placed, Stop Payment orders remain effective for six (6) months from the date authorized. You can place another stop payment order for an additional six months when the expiration date arrives.

Stop Payment requests on checks are not effective if, either before or within 24 hours from the time when the stop payment was requested, PNC Bank cashes the check or has become otherwise legally obligated for its payment. PNC Bank will assume no responsibility if any information provided is incorrect or incomplete and would cause the check or pre-authorized payment or transfer order to be paid (i.e., incorrect check number, date, account number, or invalid amount).

Please note that additional fees may apply. For more information, refer to the applicable schedule of service charges and fees:

Our toll-free Customer Service number will get you fast, easy and secure account information from our automated banking system - there's no waiting and it's available anytime, whenever you need it. Use it to check balances, hear account activity, transfer funds and much more.

To access the Automated Telephone Banking Service, you will need the following:

  1. Your User ID you associated with your account, as well as
  2. Your Telephone PIN Number you registered with your account (in many cases, this is the same as your PNC Debit Card PIN).

Once you enter the information required to access your account, just follow the instructions given to you through the automated system

Setting up alerts is easy once you're logged into Online Banking.

  1. From your Alerts tab, access the Add/Edit Alerts Page.
  2. The Add/Edit Alerts Page provides a list of all the alerts eligible for each account.
  3. From there, you can select the Alerts that you want and how you want to receive them.

The following types of Alerts are available:

  • Deposit Account Alerts
  • Credit Card Alerts (provide balance & payment information)
  • Debit/Credit Card Transaction Alerts
  • Security Alerts
  • Service Alerts

You can receive alerts via email and/or text message. To update delivery preferences,  visit the Delivery Options page from the Alerts tab.

There are two separate process to dispute debit card and credit card transactions. Please refer to your applicable account agreement for more detailed information on how to file a dispute, including the timeframe in which you must file a dispute for a debit card or credit card transaction.

You may dispute most debit or credit card transactions via your Online Banking by going to the Customer Service Tab. 

To dispute a debit card transaction:

  1. Sign On to PNC Online Banking.
  2. Click the "Customer Service" tab.
  3. Select "Dispute a Transaction” from the Account Services section.
  4. Select the account associated with the transaction you want to file a dispute on, and confirm your address. 
  5. Click "Next."
  6. Select the transaction you wish to dispute from the transaction list.
  7. The steps that follow will walk you through how to place the dispute. If you have any other questions or concerns, please contact us.

To dispute a credit card transaction, notify us in writing at PNC Bank, P.O. Box 3429, Pittsburgh, PA 15230.  Include your name and account number, the dollar amount of the error, and a description of what you believe is wrong and why you believe it is a mistake.  You may also call us at 1-800-282-7541.   

To dispute a credit card transaction through Online Banking:

  1. Sign On to PNC Online Banking.
  2. Click the "Customer Service" tab.
  3. Select "Dispute a Transaction” link under “Credit Card”.
  4. Select the account associated with the dispute, and confirm your address.
  5. Click "Next."
  6. The steps that follow will walk you through how to place the dispute. If you have any other questions or concerns please contact us.

If you have a question regarding a fee, finance charge, payment or other question not related to purchase dispute, please contact Credit Card Customer Service at 1-800-282-7541.

To dispute a PNC Online Bill Pay transaction, first review the details of the transaction in the Payment Activity page on the Pay Bills tab in Online Banking. If you have a question about this payment or would like to dispute it, call us at 1-800-762-2035.

To dispute a Personal Check or Pre-authorized Payment, please contact us at 1-888-762-2265 or visit your local branch.

How do I sign on to SmartAccess Online Banking?

SmartAccess Online Banking can be found here.


Where can I find my Full Account and Routing Number?

  • Sign On to SmartAccess online banking.
  • Once signed in to SmartAccess, your routing number and full account number can be found under the “Direct Deposit Information” section on the Account Summary page.

If you have banking questions, we encourage you to take advantage of this helpful resource:

Connect with our Customer Care Center using Message PNC, now available in both Online Banking and the PNC Mobile app[1]. Connect on your time and reply when convenient. You can even switch between devices during a conversation. To begin a conversation in Online Banking, click the “Message PNC” link at the top of the right-hand navigation column. In the PNC Mobile app, tap “Help.”

Effective October 8, 2021, BBVA Bank Visa Reward Card service was transferred to PNC Bank.

BBVA Card Image

As of June 14, 2021, the Reward Card sales were discontinued.

  • All cards issued prior to this date will be serviced by PNC Bank.
  • To learn more about your card, check your balance, or to review the updated terms and conditions please click the link below or call 866-791-6841. By clicking the link below you will be leaving PNC Bank.

Click Here to access your Reward Card Account now serviced by PNC Bank

Debit & Credit Cards

Customize your card for free

To change your debit card design in the PNC Mobile app:

  1. Tap "Cards" from the navigation bar
  2. Select "Card Actions"
  3. Tap "Change Card Design"

To change your debit card design online:

  1. Sign on to Online Banking.
  2. Click the “Customer Service” tab at the top of the screen.
  3. Click “Debit Card Services” under “Manage Accounts”.
  4. Click “Debit/ATM Services & Resources” next to the account associated with the card you’d like to change.
  5. Click the “Change Card Design” link next to the image of your current debit card.
  6. Click your preferred Card Design and click “next” at the bottom of the screen.
  7. Read the disclosures and click submit. Your card will arrive in 3-7 business days.

University of Alabama Mascot PNC Bank Debit Card
University of Alabama Stadium PNC Bank Debit Card
University of Alabama Helmet PNC Bank Debit Card
Auburn Univeristy Logo PNC Bank Debit Card
Auburn Univeristy Logo PNC Bank Debit Card
Pittsburgh Steelers PNC Bank Debit Card
Red Cross PNC Bank Debit Card

[3]

For personal and business debit cards, you can activate your card by:

  1. Calling the phone number found on the sticker on the card, or
  2. Visiting any PNC ATM. Insert your card into the machine and use the PIN that you created when you opened your account. If you did not create a PIN, you will have to wait for a PIN to be mailed to you in order to activate your card using a PNC ATM.

Once your card is activated, you can start using it right away.


For personal and business credit cards, you can activate your card by:

  1. Calling the phone number found on the sticker on the card, or
  2. Logging into Online Banking:
    • Navigate to the Account Activity Page for your credit card account, and
    • Click on the Activate Card link

Once your card is activated, you can start using it right away.

Payment Methods Main Details How Does It Work?
PNC Online Banking Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments. Navigate to PNC Online Banking and select your account. Click Make a Payment on your account activity screen to schedule a payment.
PNC Mobile App Make a payment to your account using PNC's Mobile App. You can schedule one time, same day payments from a PNC deposit account. Download the PNC Mobile app from your phone's app store and log in. Select your account and choose Make a Payment to schedule a payment.
Automated Payments Enroll in the Automated Payment Program and have your monthly payment automatically deducted from your deposit account. Download, complete, and return the Automated Payment Authorization form to the address or fax number listed on the form, or to your local PNC branch.
Pay by Phone Make a payment over the phone through Voice Banking or with a PNC Agent. Consumer Credit Card: Pay over the phone with Voice Banking by calling 1-800-282-7541.* If paying from a non-PNC deposit account, have your account number and routing number available.

Business Credit Card: Authorized payers can make a payment with a PNC Agent by calling 1-800-474-2101. If paying from a non-PNC deposit account, have your account number and routing number available.
In-Branch Payment Make a payment at any PNC Branch. Visit a PNC Branch during normal branch hours to make a payment. The payment is effective as of the date the payment is made, although it may take up to 2 business days for the payment to be reflected on your account.
Mail Your Payment Make a payment to your account by mail. Send a check in the mail along with the payment slip provided at the bottom of your monthly billing statement. If you do not have a statement, please make sure to write your PNC account number on your check.

*Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.

In the PNC Mobile App

Card Lost or Stolen:
  1. Navigate to the Cards tab
  2. Swipe to select the lost card (if there are multiple cards)
  3. Tap Card Actions
  4. Tap Report a Card Lost or Stolen

 

Card Damaged or Destroyed:

  1. Navigate to the Cards tab
  2. Swipe to select the lost Debit Card (if there are multiple cards)
  3. Tap Card Actions
  4. Tap Request a Replacement Card

 


In Online Banking

Card Lost or Stolen:
  1. Navigate to the Customer Service tab
  2. Under the “Manage Accounts” section, select Debit Card Services
  3. Click Debit/ATM Card Services & Resources 
  4. Under the “Debit/ATM Card Maintenance” section, select Report Card Lost or Stolen

 

Card Damaged or Destroyed:

  1. Navigate to the Customer Service tab
  2. Under the “Manage Accounts” section, select Debit Card Services
  3. Click Debit/ATM Card Services & Resources
  4. Under the “Debit/ATM Card Maintenance” section, click Replace Damaged Card

Calling PNC

If your card has been lost or stolen, contact us immediately at one of the following phone numbers.

Personal Debit Cards
1-888-PNC-BANK (1-888-762-2265)

Virtual Wallet
1-800-352-2255

Business Debit Cards
1-877-BUS-BNKG (1-877-287-2654)

For debit cards, please refer to the Consumer Schedule of Service Charges and Fees or the Business Checking Account and Related Charges for additional information on replacement debit card fees.

*Replacement card fees may apply for debit cards.  


Credit Cards

PNC Premier Traveler Visa Signature Credit Card
1-877-588-3602

PNC Premier Traveler Reserve Visa Signature credit card
1-877-631-8996

All other personal credit cards
1-800-533-6596 (internationally) or 412-803-7787 (domestically)

Business Credit Cards
1-800-474-2101 (internationally) or 412-803-7787 (domestically)

If you’ve forgotten your PIN, it will need to be reset. The reset process is different for debit and credit cards.

If you’ve forgotten your PIN for your debit card:

  1. Stop by any PNC Branch to select a new PIN for your card, or
  2. Call us using the phone number found on the back of your card to have a new random PIN generated. The PIN will then be mailed to you via USPS.

If you’ve forgotten your PIN for your credit card:

Call us using the phone number found on the back of your card. The PIN will be mailed to you via USPS.

To view your business credit card(s) online you can either view your account through PNC Online Banking or through Account View.

When a business credit card is opened, a control account number is established for the business.

The control account is designed to link together all cards issued to authorized users of the company and provide a number where all card transactions are billed. While there is no card issued for the control account, each card issued to authorized users of the company will have its own number.

You can use your card(s) when traveling internationally. However, before you do, we recommend you notify us before you leave to have a travel notice placed on your account(s). 

There are two ways to place a travel notification:

1. Sign on to Online Banking:

  • Navigate to the Debit/ATM Card Services, Credit Card Account Activity, or Customer Service page, and
  • Click on the Notify Us of Travel link

2. Sign into the PNC Mobile Banking app:

  • Tap the menu icon (three lines), then tap Cards
  • Tap Card Actions in the bottom of the Cards screen. 
  • Tap Set a Travel Notification.

3. Call the phone number found on the back of your card

Be prepared to provide the date(s) you will be traveling, as well as your destination(s).

When using your card(s) internationally, foreign transaction fees may apply. For debit cards, refer to the Consumer Schedule of Service Charges and Fees, Virtual Wallet Features and Fees, or the Business Checking Accounts and Related Charges for additional information. For credit card accounts, refer to your credit card account agreement.


Assistance while you are traveling

For assistance while traveling internationally:
Debit cardholders: call us collect[2] at 412-803-7711
Credit cardholders: call us collect[2] at 412-803-7787

For assistance while traveling within the U.S.:
Debit cardholders:  call us toll-free at 1-888-762-2265

Credit cardholders: call us toll-free using the following numbers:
PNC Premier Traveler Visa Signature credit card: 1-877-588-3602
PNC Premier Traveler Reserve Visa Signature credit card: 1-877-631-8996

All other credit cards:
1-800-282-7541

Business Cards:
1-800-474-2101


View Details of Service Charges and Fees:

Enrollment for points is automatic. If your account is not enrolled please call the number on the back of your credit card. 

Preferences allow customers who utilize PNC ATMs to customize their preferences for certain items within a transaction such as:

  • Preferred language
  • Preferred fast cash amount
  • Receipts

PNC customers can update their ATM preferences at any PNC ATM. To update your preferences: Select either “Change Preferences” or “ATM Preferences” after inserting your card and entering your debit card PIN.>

There is no fee for customizing or changing your ATM preferences.

For Debit Cards

Your debit card will continue to work up to the last day of the expiration month stamped on the card.

You should expect to receive your new debit card in a plain envelope around the beginning of the expiration month. If you have not received your replacement card by that time, please call us or visit your local PNC Branch Office.

Here are some reasons you may not have received a replacement debit card:

  • The address we have on file for you may not be correct. Please check by calling us or by signing on to Online Banking to ensure that the address we have on file for you is accurate.
  • You have not used your card in the past 12 months or your previous card was never activated. If this is the case, you should receive a notification letter in advance telling you that your debit card will not be reissued.  

For Credit Cards

Credit cards expire at the end of the month indicated on your credit card.  If you have not received your new credit card 3 weeks before your current credit card expires, please contact us using the phone number on the back of your current credit card.  You may not receive a new credit card if your account is not in good standing or is inactive.

Home Lending

Yes, we offer options for making your mortgage payment online; simply, go to PNC Online Banking.

You can schedule payments from a PNC deposit account or from an external non-PNC deposit account. Click Make a Payment on your account activity screen in Online Banking.

To sign up for our free Automated Payments Program and have your loan payments automatically deducted from your checking or savings account, including accounts at other banks, download the Automated Payment Authorization form.

Automated Payment Authorization Form (Mortgage and Home Equity) – Complete, sign and return this form via mail, fax, or to a branch using the instructions provided on the form.

If you would prefer to have the Automated Payment Authorization form emailed to you so that you may complete and submit the form electronically, please contract our Customer Care Center at 1-888-762-2265.

Automated Payment set up may take up to ten (10) business days from the date we receive your completed authorization form to process your request. Please continue to make your payments until you recieve a confirmation letter with the date that your automated payments will begin.

The PNC Mortgage Bi-Weekly Automated Payment Program automatically withdraws ½ of your mortgage payment directly from your accounts every 2 weeks.

By enrolling in the program you will be making 13 monthly payments per year – instead of 12. This “extra” payment will automatically be applied to your principal balance, paying off your loan faster and reducing the total interest you will pay on your mortgage. The funds from your first ½ payment each month will be held in a non-interest bearing account, and will be applied once a full monthly payment is received.

To learn more about our Bi-Weekly Automated Payment Program, access the Bi-Weekly Automated Payment Authorization form for more details, including FAQs and how to sign up.

An increase or decrease in your payment may be a result of an increase or decrease in your property taxes and/or insurance premiums and may result in an escrow shortage or surplus. An increase or decrease in your taxes may be due to a property reassessment, a change in the tax rate, a change in an exemption or a special assessment.

Rather than making a partial payment, please call 1-800-523-8654 to speak to a Customer Service Representative about your options. We may have a program available to you that permits a period of forbearance.

If your payment is automatically deducted from your checking or savings account each month, and you have enrolled in PNC's Automated Payment Program, or PNC's Bi-Weekly Automated Payment Program, the new payment amount will be deducted from your account. There is nothing that you need to do.

If you scheduled your monthly payment to be paid using your bank's online bill payment system, you will need to modify the monthly payment amount with your bank.

PNC has different grace periods, but the majority of loans are assessed a late charge on the night of the 16th.  Late fees vary in accordance with the mortgage note.

More than likely, this bill is an assessment or supplemental bill. Some taxing authorities will send this type of bill because an additional amount is due that was not assessed at the beginning of the current tax cycle. You may wish to contact your local taxing authority for clarification.

If you have an escrow account for taxes and the regular property tax bill is for the current taxes due, we will obtain the tax bills from the tax collector.  You may retain the bill for your records. 

If the tax bill is for delinquent taxes due, please call us via 1-800-822-5626.

Please note, for customers in the states of PA, CA, VA, MD, NJ, ID, IA, ME, and CT: Supplemental, interim and/or special/additional assessment tax is not escrowed. You are responsible for paying these bills. In addition, if you do not have a tax escrow account, you will need to pay the bill prior to the due date.

The FAX number is:  817-826-1697

The mailing address is:

PA Customers:
Tax Department-0046586
P.O. Box 961242
Ft. Worth, TX 76161-9839

NON-PA Customers:
PNC Financial Services
P.O. Box 9244
Coppell, TX  75019

You may pay the shortage from your escrow analysis statement through our online banking, by calling our customer care team, or visiting your local branch.  Upon receipt of the escrow payment shortage, we will adjust your payment to reflect the lower payment amount. If you choose not to pay the shortage, the shortage will be divided by 12 and spread over the next 12 months payments, interest free. In either case, your mortgage payment will be adjusted to reflect the new amount.

PNC can assist you with information pertaining to your mortgage.  However, we do not have access to information regarding why your taxes, insurance or special assessments have changed. Please contact your local tax office or your insurance agent for further assistance.

Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA).  The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%.   This will automatically take effect once it’s scheduled to reach 78%.

If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank ISAOA ATIMA address listed below so your request can be reviewed accordingly.  PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months.  You may be responsible for the costs of an appraisal.

PNC Bank
Attention: PMI Department B6-YM13-01-5
PO Box 8736
Dayton, OH 45401-8736

The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

 To find out more, please contact us at:

PNC Bank
Servicemembers Operations Center, BR-YB58-01-U 
PO Box 5570
Cleveland, OH 44101-0570

For your convenience, PNC offers a variety of methods for submitting your monthly mortgage payments. Visit our Payment Options page to learn more about your payment options.

To find out if your loan is eligible, call us at 1-800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old to be considered for a Modification.

If your property lies within a FEMA defined Flood Zone "A" or "V", federal law requires you to maintain and provide proof of flood insurance coverage. If there are any changes in your flood zone, PNC Mortgage will notify you by mail.

If you are having financial difficulties, it’s always best to make us aware of your situation. We may have a payment program available to help you through your financial hardship. Learn more about your options or call 1-800-523-8654 to speak to a PNC representative.

We have a number of options available. Review your options or call us at 1-800-523-8654.

Other Loans

You can review your payoff information for your loan through Online Banking. Once you have signed onto Online Banking:

  1. Select your loan account from the “My Accounts Summary” page.
  2. You will be sent to your Account Activity page.
  3. From your Account Activity page, you should find information regarding your loan payoff. There are some circumstances where payoff information will not be displayed. For those types of accounts, you will be directed to call us at 1-888-762-2265

If you see an unfamiliar charge on your statement or within Online Banking, please call us at 1-888-762-2265.

You can find the terms of your repayment in your original note listed under the repayment terms section. If you have additional questions, please contact us at 1-888-762-2265. For information about refinancing, please contact us at 1-877-487-3420.

You can make a payment on your loan several different ways:

  1. You can make an electronic transfer through Online Banking via:
    • The Transfer Funds tab, or
    • Online Bill Pay through the Pay Bills tab.
  2. You can make a payment over the phone. There is a $7 fee for making a payment over the phone.
  3. You can mail a check or money order, or
  4. You can have it automatically withdrawn using our Automated Payment Program and payments will be withdrawn from your designated checking or savings account.

You can enroll in our Automated Payment Program by downloading the Automated Payment Authorization form provided through Online Banking, by calling us at 1-888-762-2265, or by visiting your local branch.

To enroll through Online Banking:

  1. Select your loan that needs to be set up with an Automated Payment Program from the “My Accounts Summary” page.
  2. You will be sent to your Account Activity page.
  3. Navigate to the “Maintenance” tab on the right side of the page and click on it.
  4. Click Download form link under Automated Payment Authorization.
  5. Print, complete, and sign the form. Return the form to us by mail, fax, or to a branch following the instructions provided on the form.

Automated payment set up may take up to ten (10) business days from the date we receive your completed authorization form to process your request. Please continue to make your payments until you recieve a confirmation letter with the date that your automated payments will beign.

You can request to suspend or cancel your automated payment as long as your contact us at least three (3) business days before your next payment due date. Please call us at 1-888-PNC-BANK (1-888-762-2265) or visit the nearest PNC Branch.

Suspending your automated payment is a temporary option which will allow you to stop your automated payment for one month. You are still responsible for making your payment on time to avoid late fees. When you suspend your automated payment, you must make your monthly payment manually to keep your account current and allow automated payments to resume the next month.

If you chose to cancel your automated payment service, you will be responsible for making on-time payments once the automated payment has been removed from your account. Any applicable interest rate discount for automated payments will be lost, which means that your monthly payment may increase since additional interest would be charged.

Look on the detachable portion of your statement or coupon that you would return with a payment by mail. Your account number will be displayed there.

Your IRS 1098 Form for any interest paid the prior year is postmarked and mailed to you by January 31st. It is not available to view online. Should you require a copy, please call 1-888-762-2265 or visit a branch after February 10th to request a copy from the prior year.