Online Bill Pay is a service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
Take Control
Establish a plan for how to spend, save, and use your money each month and feel confident in that plan.
When it comes to taking control of your finances, consider the following guiding principles:
- Manage overspending; spend less than you make.
- Maximize credit card rewards by making payments on credit cards and then pay off your balance each month.
- Pay your bills on time.
- Pay yourself first.
- Have a safety net with at least 3-6 months of your essential living expenses to cover unexpected expenses, or loss or reduction of income.
- Your debt-to-income ratio should not be greater than 40-43%.
- Pay down (and then off) high-interest debt first.
- Consolidate high-interest rates for both new and existing loans.
- Protect your credit score and check your credit report annually.
- Establish overdraft protection.
- Create and maintain a budget.
Tools & Calculators
To help you Take Control we have pulled together the following tools and resources:
Track Expenses & Take Control of Your Budget
Use our Student Budget Calculator to help evaluate your monthly expenses. Enter your costs in the various categories to see how much money you'll need for the school year and each month within it.
Establish a Savings Safety Net To Help Take Control of Your Finances
Use our Safety Net Calculator to help you plan how much you need in a Safety Net.
See How Consolidating Debt Can Impact Your Financial Future
Use our Debt Consolidation Calculator to explore your options. Enter the amounts that you owe to see what options exist to consolidate your debt with a single loan. View different monthly payments, rates and products.
Educational Resources
Insights to Help You Take Control
Borrow
How to Make Credit and Debt Work for You
You always should borrow with a clear purpose to improve your overall financial well-being and a clear plan to pay back what you owe.
3 min read
Spend
Budget Strategies that Work for Life
Five strategies for building a budget that can lead you to financial freedom.
2 min read
Spend
How to Set S.M.A.R.T. Financial Goals
Follow these five steps to setting SMART goals, and you can look forward to a bright financial future.
3 min read
Spend
How to Recognize & Avoid Emotional Spending
Shopping online to soothe stress or anxiety? Take a few simple steps to recognize emotional spending and attain financial security.
3 min read
Spend
When to Check-in on Your Budget: A Guide to Year-Round Financial Planning
Budgeting isn’t a “set it and forget it” exercise; it’s an ongoing work in progress.
4 min read
Spend
How to Make a Budget Spreadsheet
Financial planning made simple: Get insights on how to make a budget spreadsheet, enter your data, and use templates to keep your budget on track.
6 min read
Save
What is Interest and How Does it Work?
Interest can be considered the cost of borrowing money or the reward of lending it. Learn what interest is and how you can make it work to your advantage.
8 min read
Save
How To Build an Emergency Fund
An emergency fund is a crucial financial safety net that can help you weather unexpected expenses or financial setbacks. Learn more in this guide from PNC.
6 min read
Products & Services
PNC offers the following solutions to help you achieve your goal of Getting Clear.
The PNC Financial Wellness Experience
Contact Us
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A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.
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Pay with Rewards is available for PNC points®, PNC Flex®, or PNC Cash Rewards® credit card customers using PNC Pay through the PNC Mobile App. This feature is available only to customers who have a points or cash back balance large enough to pay for their entire purchase.
PNC Pay, PNC Cash Rewards, PNC Flex and PNC points are registered marks of The PNC Financial Services Group, Inc. PNC Bank reserves the right to change or terminate the applicable rewards program at any time.
PNC Pay is a registered mark of The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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