A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into a Performance Checking account or the Spend account of Virtual Wallet with Performance Spend. Credit card cash advance transfers, wire transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits.
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 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. Learn More
Military Support & 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.
Ways PNC Gets Involved
Sponsor of the Year
Guardian Angels Medical Service Dogs, Inc. (2020)
Secretary of Defense Freedom Award
Highest DOD honor for supporting National Guard and Army Reserve employees (2014)*
*Awarded every 10 years
Best Corporations for Veteran Business Enterprise
National Association for Veteran-Owned Businesses (2020)
Top Veteran Friendly Supplier Diversity Program
U.S. Veterans Magazine (2020)
Best of the Best Top Veteran-Friendly Companies
U.S. Veterans Magazine (2020)
Sponsor
Military Child of the Year Magazine (2020)
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Insights
Invest
How to Set Financial Goals for Your Military Family
Financial planning can be difficult when you have to relocate frequently or you are unexpectedly deployed.
3 min read
Spend
6 Financial Steps to Take Before Deploying
A few easy steps before you deploy can help take the uncertainty out of the state of your finances.
1 min read
Protect
Money Tips Every Military Family Needs
How to keep your finances secure online and in real life while traveling as a military family.
4 min read
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
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[2] reward.
Interested in a PNC Visa® Credit Card?
Earn a reward when you open a new qualifying PNC Visa® Credit Card and meet all requirements.*
Manage Your Money at Your Convenience
With Online, Mobile[3], and ATM Banking, you can bank where and when it works for you.
- With Low Cash Mode®[4], in the PNC Mobile App, 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[5] between your PNC accounts and from your external accounts.
- Schedule and track bill payments.
- With PNC Pay® you can use your eligible Android™ device[6] and eligible PNC cards to make in-store purchases right from the PNC Mobile app.[3]
- Make a deposit by using your mobile app and taking a picture of your check with your mobile phone.[3]
- Use Zelle® in the PNC Mobile App to easily send and receive money from people you know and trust with just an email address or U.S. mobile phone number.[7]
As a service member, you have certain rights and protections.
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 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 through Friday.
We'll review this information and follow-up with you.
SCRA State Laws
Please also be aware that certain states may extend Servicemembers Civil Relief Act (SCRA)-like benefits under state law to service members and their spouses and/or dependents. If you were denied SCRA benefits based on post-service debt or denied spousal/dependent benefits and your state provides additional SCRA-like benefits please call 1-888-PNC-BANK (1-888-762-2265).
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 a creditor from imposing a Military Annual Percentage Rate (MAPR) greater than 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-SCRA (1-844-762-7272)
Monday through Friday, 7:00 a.m. to 10:00 p.m., ET.
Saturday and Sunday, 8:00 a.m. to 5:00 p.m., 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
Contact Us
Discuss Your Banking Needs.
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To qualify for the $300 mortgage account reward, at the time of mortgage funding, the PNC WorkPlace Banking or PNC Military Banking customer must have an eligible PNC WorkPlace Banking or PNC Military Banking Virtual Wallet with Performance Select, Virtual Wallet with Performance Spend, Virtual Wallet Checking Pro, Performance Select Checking account or Performance Checking account.
The PNC WorkPlace Banking or PNC 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 "CREDITS MORTGAGE WKP MIL" on your monthly checking account statement.
Offer may be extended, modified, or discontinued at any time. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms, and may be considered taxable income to you. Please consult your tax adviser regarding your specific situation.
All loans are provided by PNC Bank, National Association, and are subject to credit approval and property appraisal. Terms and conditions of this offer are subject to change without notice.
EHL Logo©2022 The PNC Financial Services Group, Inc. All rights reserved.
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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.
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Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
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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.
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Eligible Android devices must have an NFC antenna to be eligible. Please refer to the list of eligible devices on the Google pay page.
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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.
*For details regarding current available Credit Card product and offer details, visit pnc.com/creditcard, your local PNC branch, or call 877-Call-PNC. Offers may not be available for all credit card products and may be different based on where, how and when you apply. PNC Bank, National Association reserves the right to modify or revoke an offer at any time, without notice or compensation to you.
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.
Low Cash Mode is a registered trademark of The PNC Financial Services Group, Inc.
PNC Cash Rewards, 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 mark 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.