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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 (Non-Virtual Wallet accounts):
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 find the correct routing number for wire transfers and for additional information, please refer to the following Wire Transfer Payment Instructions.
For international address change requests, please send us a secure message by logging into Online Banking. Include your phone number and international address. Please note that the address needs to be a physical address, and not a P.O. Box.
For Business Accounts: In order to change the address on record, please contact the PNC Business Banking Care Center at 1-877-287-2654. Some business accounts will require a visit to your local PNC branch to change the address.
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
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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 insufficient funds (NSF) or overdraft transaction (OD), up to a maximum of 4 for each business day.
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.
Your account may also be assessed additional fees if it remains overdrawn. 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 also set up your account(s) to receive alerts via email or text messages.
For an optimal experience using our online tools, we recommend using a current version* of an internet browser we support, such as: Internet Explorer 11 or higher, Microsoft Edge (Windows 10), Safari, Firefox or Chrome. Using beta versions or older versions of these browsers may result in limited functionality within the web application, and some services, such as online Bill Pay, are not available if you’re using an unsupported browser.
*By "current version", we mean a version of the browser that is currently being supported by its publisher.
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Security and Safety of Your Account
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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 more information on making transfers, refer to PNC’s Online Banking & Bill Pay Demonstration. Once you access the file, click on the “Making Transfers” tab.
*Fees and limitations may apply.
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They are available for checking, savings, and money market accounts and are available online one or two business days after the transaction has been posted to your account. Images are available in Posted Transactions of the Account Activity Page for the current and two most recent statement cycles and for up to 8 years in Online Statements, beginning with statements dated after 1/1/2006. Online history is not available for accounts that have been closed.
Virtual Wallet customers are automatically enrolled in online statements when enrolling in online banking.
If you are trying to enroll in Online Banking via a mobile device, make sure you are accessing the full site on your mobile browser during the enrollment process.
Using beta versions or older versions of these browsers may result in limited functionality within the site.
To ensure your privacy, we recommend that you clear the Internet browser's cache and history after visiting any PNC web site. Internet browsing software, such as Internet Explorer, Firefox and Safari, stores or "caches" content of web sites visited during online sessions to display pages previously viewed more quickly. Additionally, the Internet browser's history list tracks web site addresses you visit. Clearing your browser's cache and history ensures that other people using the computer (particularly public computers) do not have access to your session information. View instructions for clearing your browser's cache.
Because each browser is different, we recommend utilizing the help menu located in the top navigation of your browser’s menu and searching for “clearing cookies” or “clear cache”.
For additional information, refer to:
Online Security Information »
* See your wireless carrier for message and data rates that may apply.
To download, or learn more about our Virtual Wallet Apps, please visit:
Virtual Wallet Mobile Apps »
The PNC App provides a traditional Mobile Banking view for anyone who uses Online Banking. The Virtual Wallet App provides an enhanced Mobile Banking experience that contains many of the features found in a customer’s Virtual Wallet.
You can also access the PNC Mobile Banking App by visiting the Apple App Store or the Google Play Store on your mobile device.
You will need to have an account that is enrolled in PNC Online Banking. Once you have established your account in Online Banking, you are ready to take advantage of the Mobile Banking App’s functionality. However, the functionality within the Mobile Banking App will differ depending on your account(s).
Establish your Online Banking Account
Learn More »
To learn how to properly endorse a mobile deposit
To locate a PNC Branch navigate to our PNC Locater.
To view these limits:
Once your card is activated, you can start using it right away.
Once your card is activated, you can start using it right away.
Personal Debit Cards
Business 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 1-877-222-5402 (internationally)
Business Credit Cards
1-800-474-2101 (domestically) or 1-877-222-5402 (internationally)
Replacement card fees may apply.
For credit cards, please call us at the appropriate number above.
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.
There are two separate processes for debit card and credit card transactions after you go to the Customer Service tab.
To dispute a debit card transaction:
To dispute a credit card transaction:
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.
To place a travel notification:
1. Sign on to Online Banking:
2. 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, please call the number on the back of your card.
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: 1-877-222-5402
To earn PNC points, you must have a participating PNC points Visa credit card or PNC Flex Visa credit card. Enrollment for points is automatic unless your card was opened before February 14, 2011. If your card was opened before February 14, 2011, you must enroll your card for the program. Debit cards do not earn points.
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.
With our free automatic payment program, Electronic Funds Transfer (EFT), you can automate your monthly mortgage payments and avoid writing checks and paying for postage each month. Once you get set up, your mortgage payment is automatically paid each month on the same day.
We also offer SpeedPay, an efficient online payment tool that gives you flexibility for making your payments. Keep in mind, there are fees associated with submitting your payment via SpeedPay after the 1st business day of the month. Learn more about SpeedPay.
Once you log-in to your account, click Electronic Funds Transfer and complete and submit the enrollment form online. It’s fast and easy to enroll.
EFT set up generally takes 5 to 7 business days. Therefore, please continue to make your payments until you receive written confirmation of your enrollment from PNC Mortgage. You will also find an EFT enrollment form within your coupon booklet and may complete the request and mail it to us.
The PNC Mortgage Bi-Weekly 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 deducted from your checking account each month, and you are enrolled in an Electronic Funds Transfer Program (EFT), or the Bi-Weekly Payment Program, the new payment amount will automatically be deducted from your account.
If you established your monthly payment to be automatically paid via your bank’s online bill pay system, you would need to modify the monthly payment amount.
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.
In most cases, if you have an escrow account for taxes and the bill is for the current taxes due, we will obtain the tax bills from the tax collector. If you have an escrow account for taxes and the tax bill is for delinquent taxes due, please call us via 800-822-5626. If it is necessary to send a copy of your tax bill to us, we will request it prior to the due date. The mailing address is:
Attn: Tax Department
P.O. Box 1804
Dayton, OH 45401-1804
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.
You may pay the shortage in your escrow account using the coupon attached to your escrow analysis statement. 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. If you currently use a coupon book for remitting your payment, a new coupon book will be sent to you within 15 days of the original escrow analysis. However, if you’re interested in setting up electronic payments to avoid writing a check and paying postage, it’s easy. Log into your account at PNC Online Banking to enroll in our Electronic Funds Transfer (EFT) Program.
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 above 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.
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 in addition to the coupon book you’ll be receiving. 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:
After mailing the completed form, please continue to make your payments until you receive a letter confirming when the automatic deductions will begin.
We can stop your scheduled automatic payment as long as you notify us at least 2 business days prior to your due date. Please note that late fees may apply if we do not receive your payment by the due date.
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.