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

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

Credit Cards

You could earn a $100 cash award when you open a new PNC Core® Visa® Credit Card or a new PNC points® 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[4], and ATM Banking, you can bank where and when it works for you.

  • With Low Cash Mode®, in the PNC Mobile App, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.
    • Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
  • Monitor your accounts and check your balance when and where you want to.
  • Transfer funds[4] between your PNC accounts and from your external accounts.
  • Schedule and track bill payments.
  • With PNC Pay® you can use your eligible Androiddevice[5] and eligible PNC cards to make in-store purchases right from the PNC Mobile app.[4]
  • Make a deposit by using your mobile app and taking a picture of your check with your mobile phone.[4]
  • 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.[6]

 Download on the App Store  Get it on Google Play

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 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.

Learn more about SCRA.

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

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 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

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