| Payment Methods | Description | How To Use |
Cost |
| 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 |
| 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 using the instructions on the form OR call 1-888-762-2265 to have the form emailed to you to be submitted electronically. | FREE |
| Pay by Phone - Agent Assisted | Make a payment with a PNC Agent over the phone. |
Call a PNC Agent at 1-888-PNC-BANK (1-888-762-2265).* If paying from a non-PNC deposit account, have your account number and routing number available. |
$7 or free from a PNC account[2] |
| 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 Customers residing in AK, AZ, AR, CA, CO, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, or WY: |
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 payments: Address for overnight mail payments: |
FREE |
Mail Your Payment Customers residing in AL, CT, DE, DC, FL, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, PR, RI, SC, TN, VT, VA, WV, or WI: |
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 payments: Address for overnight mail payments: |
FREE |
Home Equity
Customer Service & Support
Find information on how to manage your
Home Equity account with PNC
Online Banking
Manage your home equity loan
or line with PNC Online Banking[1]
PNC Online Banking is your 24/7 secure resource for viewing important home equity account information and accessing helpful tools to manage your loan or line of credit.
Once you log into online banking you can realize many benefits:
- Pay your bill online.
- Transfer funds from your line of credit to fund large projects or consolidate bills.
- Access the Fixed-Rate Lock feature to secure a fixed-rate on all or part of your credit line.
- See important information about your Home Equity Line of Credit including payoff information.
- See Statements and Important Tax Documents.
- Check balances, current APRs, and monthly payments.
- Get organized and save paper with online statements - enjoy quick and convenient access to up to 5 years of home equity statements. You'll even receive an email when your online statement is available.
Getting started with Online Banking for the first time? Here's what you'll need:
- Social Security Number (SSN)
- PNC Account Number
- One of the following:
- PNC Visa® Debit Card PIN
- Online Access PIN
- Mobile or Phone Number to receive a one-time passcode.
If you don't have a PIN, please call Customer Care 1-800-762-2265 for assistance.
Fixed Rate Lock Option
About the fixed rate lock
Transfer all or part of your variable-rate balance of $5,000 or more to a fixed interest rate.
With a Choice Home Equity Line of Credit, you can lock in a portion of your line to a fixed rate.
- Enjoy a rate that won't change.
- Pick from flexible term options.
- Easily submit your request in PNC Online Banking.
Learn more about Fixed Rate Lock »
Get Started
Log into your account in PNC Online Banking to take advantage of the Fixed Rate Lock feature
Application Status
Stay informed with Home Insight Tracker™
Looking to track the status of your application? Log into Home Insight® Tracker to know exactly where you stand.
Features, at a Glance:
Tracker is a digital tool that keeps you up to date on the status of your home equity application -- every step of the way!
Sign up for online access to:
- Manage your home equity application from your desktop, tablet or smartphone.
- View your current application status and line details.
- Upload documents required to complete your application.
- Receive real-time emails when your application reaches key milestones.
Financial Hardship
Understanding your options
Unexpected events may impact your ability to make your home equity payments. We understand and we're ready to help discuss how you can get back on track.
Life changing events impacting your finances can occur. A few examples to consider are the following:
- Are you unemployed?
- Have you had a reduction in your income?
- Does illness or injury prevent you from making your loan payments?
- Has divorce affected your ability to make loan payments?
- Has any other unexpected life event affected your ability to make your loan payment?
The first step is to contact us to discuss your personal situation. This will allow us to provide you with the right loan options to meet your needs and get you started on a home equity assistance plan that’s right for you and your family.
If you are having trouble making payments call:1-800-523-8654
Learn more about the various hardship assistance options we offer that may fit your needs »
Financial
Hardship Assistance
For a COVID-19 related hardship or longer-term hardship (not COVID-19 related):
FAQs
Answers to common home equity questions
Are there any fees if I pay off my Home Equity Line of Credit?
In general, you may pay the entire outstanding balance of your home equity line of credit at any time, and as often as you like, without penalty, as long as you do not close your line of credit. For applications submitted on or after December 8, 2013, there is no Early Account Closure Fee assessed for closing your line of credit at any time.
However, certain closing costs may be paid by PNC on your behalf at the time of account opening. You may be responsible for reimbursement of those costs if you pay off and close your line of credit within 36 months of account opening. If the line of credit is closed 36 months after account opening, repayment of these costs will not be required.
Making Your Payments
Is my interest tax deductible?
Interest you pay on a loan that is secured by your primary residence may very well be tax deductible. You should consult with a tax advisor to determine whether this applies to your situation.
How do I find information about servicemember benefits I may be eligible for?
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:
Phone:
844-PNC-SCRA (844-762-7272)
Email:
Servicemembers@pnc.com
Fax:
855-568-4532
Mail:
PNC Bank Servicemembers Operations Center
BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570
My automated payment is due to draw from my checking or savings account, and I will not have the funds available. Is there a way to stop the automated payment?
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.
What can I use my Home Equity for?
Learn how to leverage your home, review these scenarios to see the potential impact of consolidating debt.
You can use your Home Equity to:
- Consolidate Debt
- If you are finding it hard to manage monthly payments for credit cards, student loans and auto loans, you may be able to consolidate some of your debt with a home equity loan and make one monthly payment.
- Use our debt consolidation calculator to get an idea of a rate and monthly payment ».
- Renovations
- Whether you are renovating to get more space, reduce energy costs, or to turn your house into your dream home, accessing your home equity can be a good option.
- Estimating the cost of your project is the first step. Get quotes from multiple contractors, and to be safe, add 20-30% to the total to account for potential overages.
- Estimate the cost of a home renovation with our tool ».
- Repairs or Maintenance
- Regular maintenance and minor repairs are a part of homeownership. But if your home needs more costly repairs, like a new roof or floors, using your home equity could be a smart choice.
- Estimating the cost of your project is the first step. Get quotes from multiple contractors, and to be safe, add 20-30% to the total to account for potential overages.
- Finance a Purchase
- Whether planned or unplanned, large purchases or expenses can throw a wrench in your budget. You can access the equity in your home to finance things like a car, tuition or to pay for a wedding.
- Remember, the interest you’ll pay on a home equity loan will add to the overall cost of any purchase. Your interest rate and monthly payment may vary over the life of your loan depending on the loan product you choose to use, and if you can’t make a payment you may put your home at risk. So carefully consider if the expense is worth it.
Draw Period Coming to a Close
How was the draw period ending date determined?
The end of the draw period in this email may be the same date as the draw period’s ending date in your contract or a few days later. If the date is later, all other terms in your contract and in the mortgage or deed of trust remain the same.
Where do I find any differences between the minimum monthly payment during the draw and repayment periods?
Your contract explains how the minimum monthly payment during the repayment period is determined. Your minimum monthly payment will likely increase and the interest rate may change (other than for any fixed-rate-option balances).
For example, if you made interest-only payments during the draw period, you will be required to make payments of the outstanding principal and charges as well as interest during repayment. If so, you may want to start paying down principal now. We are available to answer any questions you may have about your repayment period payment.
How does the end of the draw period affect any fixed-rate-option balance(s)?
If you have any fixed-rate-option balance(s), you will continue to make the scheduled payments on those balance(s) until they are paid in full.
What happens to the credit insurance or Line of Credit Protection Plan (“Plan”) I purchased?
If you currently have credit insurance or the Plan, the credit insurance or Plan will terminate when the draw period ends. The credit insurance or Plan will not cover balances during the repayment period. If you choose, you may cancel the credit insurance or Plan before the draw period ends by contacting the insurance carrier or Plan Administrator at the following numbers: If you have credit insurance, call 1-800-445-6500; if you purchased the Plan, call 704-338-0112.
I have an automated payment authorization to pay my account’s billed payment. How will the end of the draw period affect these arrangements?
If you have automated payments made from a checking or savings account at PNC Bank, N.A. or another financial institution, the automated payment will be made according to the contract’s repayment requirements. Your account’s billed minimum payment during the repayment period will likely change. Unless you have appropriate funds in the account, after the draw period ends you could overdraw the deposit or savings account. If the automated payment is canceled or terminated, you will need to make your payments by check.
I have an online or automated payment set up to pay my account’s billed payment. How will the end of the draw period affect this arrangement?
If you currently have automated payments using any online or other automated method at PNC Bank, N.A. or with another financial institution or payment provider, please make sure you update your payment directions to accommodate your new repayment period payment. Unless you have appropriate payment arrangements and funds in your account after the draw period ends, you could fail to make the required payment or overdraw your deposit or savings account. If the automated payment is canceled or terminated, you will need to make your payments by check.
What happens if my account is not refinanced and has a zero balance when the draw period ends?
If your account is not refinanced at PNC Bank and has a zero balance at the close of business on the date the draw period ends, we will close the account and process a release of the mortgage or deed of trust securing the account.
Contact Us
Can't find what you're looking for?
Get in touch with our Home Lending Center.
Current Home Equity Customers
24-hour Automated Account Information
is available 24/7, 365 days a year.
PNC Customer Care Consultants are available:
Monday-Friday:
7:00 a.m. - 10:00 p.m. ET
Saturday - Sunday:
8:00 a.m. - 5:00 p.m. ET
Important Legal Disclosures & Information
-
There may be fees for certain optional services in Online Banking.
-
PNC pay by phone transactions are free via our automated phone service or $7 with agent assistance, unless payments are made from PNC Bank accounts or as otherwise restriced by state law.
Carrier fees for data usage may apply.
Interest on home equity loans/lines that are not considered home acquisition debt may not be tax deductible. Please consult your tax advisor.
PNC and PNC HomeHQ are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
©2022 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.
PNC Bank, National Association, Member FDIC
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