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Home Equity Loan Customer Service & Support
Find information on how to manage your PNC Home Equity Loan account.*
Online Banking
Using Online Banking, it's easy to manage your Home Equity Loan with PNC Online Banking.
PNC Online Banking is your 24/7 secure online resource for viewing important account information and accessing helpful tools to manage your loan.
Getting started with Online Banking for the first time?
Learn more about what you'll need to enroll in Online Banking.
Application Status
Log into our Home Equity Digital Apply platform to easily manage your Loan application
Financial Hardship Options
Explore potential options available that may meet your needs, and learn how to apply for assistance
Unexpected events may impact your ability to make your monthly payments.
We will work with you to understand the issues affecting the ability to make your loan payments. One of the first steps to getting back on track is understanding the range of options available. Let us explore what assistance may be available to you, whether you are experiencing short-term or long-term circumstances. Communicating with us may help your situation.
To learn more, visit our Lending Hardship Service & Support page.
Frequently Asked Questions
Answers to common home equity loan questions.
- Visit the Enroll in Online Banking page
- Click "Get Started"
- Enter your Social Security Number (SSN), PNC Visa® Debit Card PIN or Online Access PIN, and PNC account number
- Create a User ID and Password
- If one of these three options is not readily available, you can obtain a One-Time Password (OTP) to get started.
- Select your Personal Security Image and Caption and create your Security Questions
- Update your Email Address
- Choose enrollment options for Online Statements1 and Online Documents
- Select or Add phone number for Two-Step Verification
- Read and Accept "Terms and Conditions" and "Online Banking: Service Agreement"
- Review your information and Sign-On
- If having trouble signing up for online banking, please call 1-888-762-2265
Legal Disclosures and Information
- Statements may be accessed up to 60 months. Online statement history will not be available for accounts that have been closed, except for Mortgage accounts which may access statements for 18 months after the account is closed.
Go paperless and sign up for online-only statements
Legal Disclosures and Information
- Statements may be accessed up to 60 months. Online statement history will not be available for accounts that have been closed, except for Home Equity Loan accounts which may access statements for 18 months after the account is closed.
You may pay the entire outstanding balance of your Home Equity Loan at any time, without penalty. PNC does not charge our clients prepayment penalties or fees for paying off their Home Equity Loan early.
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.
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)
Monday - Friday: 8:30 a.m. - 4:30 p.m. ET
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
The SOC can answer questions about the SCRA, military documentation and status information. They can't answer questions about specific accounts, products, online banking or debit cards.
| Payment Methods | Description | How To Use |
|---|---|---|
| PNC Online Banking |
Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments. | Sign on to Online Banking and select the green Make a Payment button. You can also click Pay and Transfer from any screen, then click PNC Payments. |
| 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. |
| Pay by Phone - Agent Assisted | Make a payment with a PNC Agent over the phone. |
Call a PNC Agent at 1-888-762-2265. If paying from a non-PNC deposit account, have your account number and routing number available. |
| Pay by Phone - Voice Banking | Make a one time, same day payment using our Voice Banking service. | Pay over the phone with Voice Banking by calling 1-888-762-2265. If paying from a non-PNC deposit account, have your account number and routing number available. 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-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 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: |
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: |
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.
You can use your Home Equity Loan to:
- Make Home Improvements
- Turn your home into your dream house. Knock out that home improvement project you’ve been putting off, or go all out and completely reimagine your current home. These types of investments not only can enhance your current living situation, but may also have a positive impact on the overall value of your home.
- Consolidate Debt
- Combine your outstanding debts into one monthly payment offered at a potentially lower interest rate. Pay off debts like credit cards, car loans, unsecured loans and other debts that may carry higher interest rates. This may help you save money on interest expenses and may help free up additional funds in your monthly budget.
- Combine your outstanding debts into one monthly payment offered at a potentially lower interest rate. Pay off debts like credit cards, car loans, unsecured loans and other debts that may carry higher interest rates. This may help you save money on interest expenses and may help free up additional funds in your monthly budget.
- Financing a Large Purchase
- Have the funds ready to pay for those big one-time expenses. For example, you can use the funds to finance the down payment of a vacation home, second home, or investment property. You can also use the funds to cover other large ongoing expenses like school tuition or other related educational costs.
Automated payments are set up through the Automated Payment Program managed by PNC. Your monthly payment is automatically drafted from your PNC or non-PNC checking or savings account each month and applied to your PNC loan or line of credit on the payment due date. To sign up for automated payments, you will need to complete, sign and return the Automated Payment Authorization Form to the fax number or mailing address listed on the form, or to a PNC branch. Once automated payments are established on your account, you will need to contact PNC in order to change, suspend, or cancel.
Recurring payments are set up by you directly through PNC's Online Banking. You can schedule a recurring payment to your PNC loan or line of credit from a PNC or non-PNC checking or savings account by clicking Make a Payment from your account activity page. With PNC Online Banking, you have the ability to manage, change or cancel your recurring payments at any time.
Alerts when payments are received:
- Access Alerts Tab in Online Banking.
- Select Home Equity Loan.
- Check alerts you want to receive.
Monthly Statements & Escrow Statements:
- These alerts are set up when you Go Paperless and turn off paper statements (see Go Paperless Steps).
- Access Online Statement Preferences in Online Banking to opt in or out of Alerts for statements.
Year-End Tax Statements:
- This alert is setup when you enroll in Online Banking for the first time.
- Log in to Online Banking.
- Choose Make an Internal Transfer or Loan Payment.
- Select a 'From' account. If you're making a payment from a non-PNC. account, you'll need the bank routing number and account number to add the external account.
- Select your mortgage as the 'To' account.
- Enter your payment options and schedule your payment.
- Select Frequency: Monthly to setup recurring payments.
Contact Us
Can't find what you're looking for?
Get in touch with our Customer Care Center
Notices of Error or Information Requests: To assert an error or to request information regarding your account, you must submit the notice of error or request for information in writing to: PNC Bank, PO Box 8807, Dayton, OH 45401-8807.
New York Borrowers Only: You may file complaints and obtain further information about PNC by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at WWW.DFS.NY.GOV.
*The property securing the Home Equity Loan must be located in a state where PNC offers Home Equity Loan products. PNC does not offer the HELOAN product in Alaska, Hawaii, Louisiana, Mississippi, Nevada, South Dakota, and Texas.
Interest on home equity loans/lines that are not considered home acquisition debt may not be tax deductible. Please consult your tax advisor.
Debt Consolidation Information: The benefits of a Choice HELOC for debt consolidation depend on your individual circumstances. Because a Choice HELOC may have a longer term than some of the debt you may be consolidating, you may not realize a savings over the entire term of your new Choice HELOC. Texas Collateral Information: Texas Choice Home Equity Lines of Credit can only be secured by a primary residence designated as a homestead property and can not exceed 80% combined loan to value of that property. Minimum draw in Texas is $4,000. Choice Home Equity Lines of Credit secured by Texas property are not eligible for a VISA Choice Access Card and will be sent access checks upon request. PNC cannot use a customer's home equity funds to pay (in part or in full) PNC non-homestead debt at account opening.
Important Notice to Servicemembers and Their Dependents. If you are currently eligible for benefits provided by Servicemembers Civil Relief Act (SCRA), refinancing current debt may not be beneficial.
PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has a pending patent application directed at various features and functions of Home Insight® Planner. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
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PNC Bank, National Association.
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