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.
On your paper checks:
Your Account number and Bank (ABA) Routing number can be found at the bottom of your checks:
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:
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:
On your Account Activity page in Online Banking:
In the mobile app:
On your SmartAccess Card in Online Banking:
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
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.
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.
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
Check from an account at another financial institution
$100 - Same business day
Large deposit ($50,000 or more in one day)
$100 - Same 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.
PNC Bank Consumer Funds Availability Policy
Funds Availability Policy for Business Accounts
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?
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.
Automatic Check Reordering
Learn More »
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.
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).
Once you enter the information required to access your account, just follow the instructions given to you through the automated system
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 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.
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.
SmartAccess Online Banking can be found here.
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 app1. 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.
As of June 14, 2021, the Reward Card sales were discontinued.
We might have a relationship with your school. Learn More about Student Banking with PNC or select your School below to see what we offer.
Once your card is activated, you can start using it right away.
Once your card is activated, you can start using it right away.
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.||Free|
|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.||Free|
|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.||Free|
|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.||Free|
|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.||Free|
|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.||Free|
|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.
Address for regular mail payment:
|*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.|
Personal Debit Cards
Business Debit Cards
*Replacement card fees may apply for debit cards.
PNC Premier Traveler Visa Signature Credit Card
PNC Premier Traveler Reserve Visa Signature credit card
All other personal credit cards
1-800-533-6596 (domestically) or 412-803-7787 (internationally)
Business Credit Cards
1-800-474-2101 (domestically) or 412-803-7787 (internationally)
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:
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.
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.
There are two ways to place a travel notification:
1. Sign on to Online Banking:
2. Sign into the PNC Mobile Banking app:
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.
For assistance while traveling internationally:
Debit cardholders: call us collect at 412-803-7711
Credit cardholders: call us collect 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
Enrollment for points is automatic. If your account is not enrolled please call the number on the back of your credit card.
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.
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:
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.
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.
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 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:
P.O. Box 961242
Ft. Worth, TX 76161-9839
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.
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:
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.
We have a number of options available. Review your options or call us at 1-800-523-8654.
To enroll through Online Banking:
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.
If you are having financial difficulties, it’s best to make us aware of your situation. We may have a payment program available to help you through your financial hardship.
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.
There is a period of time between your loan payment due date and when a late charge is assessed, however, your payment is considered late if it is not received by the due date. If your payment is not received by the due date, you may receive correspondence via phone or mail regarding the status of your payment.
PNC does not charge a fee for the Mobile Banking service. However, a supported mobile device is needed to use Mobile Banking. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage charges that may apply. PNC products, services and prices are subject to change.
Check with your phone service provider for specific international calling instructions, rates and charges that may apply. Collect calling availability varies by country and may require a local operator.
The $5 annual fee for every Heart Design Visa® Debit Card is donated to the American Red Cross.
The American Red Cross name is a registered trademark owned by the American National Red Cross and is used with its permission.
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.