Military Banking
We're here to support all those who serve and their families with community programs, products and financial insights
Our Commitment
To active military, veterans and your families, we recognize the commitments and sacrifices you and your families make to serve our country, as well as the unique financial challenges you encounter.
We believe in supporting you by helping you take positive steps with your finances through banking benefits and financial expertise and content. In addition, we're committed to making a positive difference within the communities where you live and work. Here are just a few of the ways we are doing just that:
Mutt Strut
In partnership with Guardian Angels Medical Service Dogs, Inc. PNC sponsors this week-long event, in which we join together with other corporate partners, foundations, and members of the community to help fund the training of medical service dogs for veterans struggling with post-traumatic stress (PTS), traumatic brain injury, and other combat-related injuries.
Military Support and Recruiting Practices
Each year, we collaborate with the Military Warriors Support Foundation to help eliminate the financial burdens often associated with returning to civilian life.
PNC has created a Military Employee Business Resource Group with the goal of increasing awareness of the unique skills veterans bring to the workforce. The group aims to recruit and retain military talent by enhancing that talent through professional development, mentoring and community engagement opportunities.
Topics of Interest
Protect
Money Tips Every Military Family Needs
How to keep your finances secure online and in real life while traveling as a military family.
Spending Responsibly
Basic Training: Five-Minute Monthly LES Checklist
Keeping an eye on your LES, or your spouse's LES, is an important and easy item you should put on your money management to-do list each month
Military Banking Benefits
Checking
Military Banking customers can enjoy a reduced qualifying monthly direct deposit requirement of $1,000 to receive a $15 Monthly Service Charge waiver on a Virtual Wallet® with Performance Spend.[1] NOTE: Not all Virtual Wallet products are available in all markets.
Debit Cards
Show your support by choosing from 1 of 3 military-themed PNC Bank Affinity Visa® Debit Cards
Credit Cards
You could earn a $100 cash award when you open a new PNC Core® Visa® Credit Card, PNC points® Visa Credit Card, or PNC Cash Rewards® Visa Credit Card and you meet the minimum spend requirement. [2]
Explore VA home loans
We offer special VA home loan options for active military, veteran, reservist or National Guard. Open a new PNC mortgage and earn a $300[3] reward.
Manage Your Money at Your Convenience
With Online, Mobile[5], and ATM Banking, you can bank where and when it works for you.
- With Low Cash Mode℠, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.
- Monitor your accounts and check your balance when and where you want to
- Transfer funds[6] between your PNC accounts and from your external accounts
- Schedule and track bill payments
- With PNC Pay® you can use your eligible Android™ device[7] and eligible PNC cards to make in-store purchases right from the PNC Mobile app[5]
- Make a deposit by using your mobile app and taking a picture of your check with your mobile phone[5]
- Use Zelle® to easily send money. With just an email address or U.S. mobile phone number, you can quickly send money to people you know and trust, regardless of where they bank in the U.S.[8]
The SBA Veterans Advantage loan program was designed by the U.S. Small Business Administration to help support veterans and eligible members of the military community establish or expand a business. You may even qualify for a special lending offer for qualified veteran-owned businesses of 0.50% off the current interest rate on all new PNC business loans and lines of credit.[4]
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As a service member, you have certain
rights and protections.
Servicemembers Operations Center (SOC) and Servicemembers Civil Relief Act (SCRA)
The Servicemembers Operations Center (SOC) is the single point of contact for service members requesting Servicemembers Civil Relief Act (SCRA) Program Benefits and/or protections. Recognizing the important contributions that men and women in the Armed Forces make to our society, PNC adheres to the service member eligibility standards and benefits described in the SCRA and similar state laws.
We are committed to providing service members who may be eligible for SCRA and SCRA-like benefits and protections with a simple and user friendly process for inquiring about or requesting SCRA benefits. PLEASE NOTE: 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.
Contact the SOC at 1-844-PNC-SCRA (1-844-762-7272).
The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible service members 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. PNC will apply benefits and protections on eligible accounts, including:
- Auto loans
- Mortgage and home equity secured loans
- Line of credit, credit card and installment loans
- Commercial assets where the borrower is eligible for SCRA benefits or the guarantor is is eligible for SCRA protection and PNC seeks recovery from the guarantor
- Equipment loans and leases
- Education loans
- Deposit accounts (in limited situations)
- Safe deposit boxes (in limited situations)
We want you to receive all the benefits you're eligible for as a service member. If you have orders or other documentation reflecting your service commitment, please send a request to servicemembers@pnc.com in order to receive instructions on how to establish a secure email connection with us before sending military documentation via email. Should you prefer to send documentation with personally identifiable information (like your social security number) another route, it can be faxed to 1-855-568-4532 or mailed to:
Mail: PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570
For service member eligibility questions:
Call: 1-844-PNC-SCRA (1-844-762-7272) - 8:30 a.m. to 4:30 p.m. ET Monday - Friday.
We'll review this information and follow-up with you.
To learn more about SCRA please click here.
SCRA State Laws
Please also be aware that certain states may extend Servicemembers Civil Relief Act (SCRA)-like benefits under state law. The following states may extend SCRA-like benefits regardless of your military status when the debt was originated. If you were denied SCRA benefits based on post-service debt, and had/have an affiliation with one of these states, please call 1-888-PNC-BANK (1-888-762-2265).
- Louisiana
- Ohio
- Pennsylvania
Additionally, the following states may extend SCRA-like benefits to spouses or dependents of service members. If you were denied spousal or dependent SCRA benefits and had/have an affiliation with one of these states, please notify us at 1-888-PNC-BANK (1-888-762-2265).
- Arizona
- Arkansas
- California
- Hawaii
- Idaho
- Illinois
- Indiana
- Louisiana
- New Mexico
- Nevada
- New York
- Ohio
- South Carolina
- Texas
- Washington
- Wisconsin
Military Lending Act
The Military Lending Act (MLA) provides certain consumer protections to eligible service members and their dependents. Only certain types of consumer credit are subject to the MLA, including most consumer credit card accounts, unsecured lines of credit, educational loans and unsecured installment loans.
Among the protections afforded by the MLA:
- Limits the amount of interest that a creditor may charge on consumer credit subject to the MLA to a maximum 36%
- Requires creditors to provide certain disclosures
- Prohibits creditors from requiring service members to submit to arbitration
PNC Bank determines eligibility at the time the borrower originates his/her loan, line of credit and/or credit card based on information available in a database maintained by the Department of Defense. Once PNC Bank determines eligibility, protections are afforded automatically. Service members and/or their dependents are not required to take any action.
If you have questions about protections under the MLA, contact our Servicemember Operations Center (SOC). Contacting the SOC can be accomplished in any of the following ways:
Email: servicemembers@pnc.com
Call: 1-844-PNC-BANK (1-844-762-2265) - Monday-Friday 7:00 am to 10:00 pm, ET, and Saturday and Sunday 8:00 am to 5:00 pm, ET
Fax: 1-855-568-4532
Mail: PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570
Important Legal Disclosures & Information
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The customer must have $1,000 or more in aggregate qualifying direct deposits into their account per statement period. Deposits must be made to the Spend account for Virtual Wallet with Performance Spend. The account must include a valid 10-digit Military Banking code (the code must be on the Spend account if it’s a Virtual Wallet with Performance Spend). For Performance Checking or Virtual Wallet with Performance Spend, there isn't a monthly service charge if the total amount of all qualifying direct deposits credited to your account during the monthly statement period is at least $1,000. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck or other regular monthly income electronically deposited into a Performance Checking account or the Spend Account for Virtual Wallet Performance by an employer or outside agency. Transfers from one account to another, or deposits made at a branch or ATM, don't qualify as Direct Deposits.
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Obtaining a PNC Bank credit card account is subject to credit approval. To qualify for the $100 credit card account cash award, when apply for a new credit card, the PNC Military Banking customer must have an eligible PNC Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Checking account, or Performance Select Checking account, open a new qualifying PNC credit card, and make at least $1,000 in purchases within the first three billing cycles following credit card account opening. The $100 cash award is not available to PNC Military Banking customers who have already opened a qualifying PNC credit card and were credited the $100 cash award to the same eligible checking account within the last 24 months.
The $100 will be in the form of a credit to the eligible checking account within 90 days following the purchase that enabled you to meet the $1,000 minimum requirement. The $100 cash award will be identified as “CREDITS WORKPLACE MORTG" on your monthly checking account statement. Your PNC Military Banking Checking account must remain open in order for you to receive the $100 cash award. The $100 cash award may be subject to tax reporting. Limit one $100 cash award per PNC Military Banking eligible checking account in a 24-month period. The 24-month period begins on the date the most recent $100 credit card account cash award was credited to the eligible checking account.
As used in this offer, the term “purchases” has the same meaning as “qualifying purchase” in the PNC points Program reward terms and conditions, as “purchase" in the PNC Cash Rewards Program reward terms and conditions, or as "purchase" under the account terms for PNC Core. That means that, in general, as used in this offer, "purchases" does not mean all transactions you may make with your credit card account. Some limited transactions, such as cash advance transactions (including the purchase of cash equivalent products) and balance transfers, are excluded. Also, fees and interest, even if included in the purchase balance on your account, never earn rewards and are not treated as purchases for purposes of qualifying for the cash award offer. For details about excluded transactions, please see the complete reward program terms and conditions available on pnc.com/creditcards.
For details on reward programs, please refer to the applicable reward terms and conditions, which are available at pnc.com/creditcards. This offer may be modified or discontinued at any time and without notice. Must apply for the credit card at the branch/Solution Center or by calling the PNC Care Center.
PNC Bank, National Association is the issuer of the credit cards described herein. Bank deposit products and services are provided by PNC Bank, National Association, Member FDIC.
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To qualify for the $300 mortgage account reward, at the time of mortgage application the PNC Military Banking customer must have an eligible Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Select Checking account or Performance Checking account and must establish a qualifying, automated mortgage payment that must occur within 180 days following the mortgage application.
A qualifying, automated mortgage payment is defined as a recurring PNC Mortgage loan payment electronically deducted from an eligible PNC Military Banking checking account. This includes recurring payments set up via Online Bill Pay. Mortgage payments initiated from a PNC Checking account via online transfers do not qualify as automatic payments. The Military Banking checking account must remain open in order for you to receive the $300 reward, which will be credited to the eligible checking account within 90 days after conditions have been met and will be identified as “CreditsWorkPlaceMiltar” on your monthly checking account statement. $300 reward may be subject to tax reporting. Limit one mortgage premium per PNC Military Banking checking account.
If multiple mortgage accounts are opened with the same signer (or signers), only one account will be eligible for the cash offer. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
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All loans and lines of credit are subject to credit approval. Requires automatic deduction from a PNC business checking account. Offers may be extended, modified or discontinued at any time without notice.
Available for: Commercial Real Estate Purchase or Renovations; Leasehold Improvements; Business Expansion, Acquisition, Start-up, Partner-Buyout; Franchise Financing; Equipment or Inventory; Working Capital
To qualify for this offer, the business applicant must be at least 51% owned and controlled by an individual or individuals in one of the following groups: Veterans (other than dishonorably discharged); Service-Disabled Veterans; Active-duty military participating in the Transition Assistance Program (TAP); Reservists and National Guard members; Current spouse of any Veteran; Active Duty service member, or any Reservist or National Guard member; Widowed spouses of service members or veterans who died during service or as a result of service-related disabilities; all as evidenced by documentation acceptable to PNC Bank, National Association, in its discretion. Promo Code 117
A preferred interest rate that is 0.50% lower than our standard interest rates available on business term loans and lines of credit. Your actual rate will be based on a review of your credit application, the loan product you select and the loan amount, and will be set at time of approval. Other fees may apply. Offer not to be combined with other offers. Offer not available to tax free or tax reduced entities. Promo Code 117
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
PNC limits the number of transfers that may be made from a savings or money market account without incurring a fee. Please see your account agreement and fee schedule for more information.
Eligible Android devices must have an NFC antenna to be eligible. Please refer to the list of eligible devices on the Google Pay page.
Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.
Low Cash Mode is a service mark of The PNC Financial Services Group, Inc.
Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Android and Google Pay are trademarks of Google LLC.
PNC Cash Rewards, PNC Premier Traveler, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc.
PNC Pay is a registered mark of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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.
