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ATM Banking

Convenience is banking when you want

You can do a lot of banking at the ATM - including depositing checks & cash, transferring funds, checking balances and more.

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Introducing PNC Card Free ATM Access - Easy as 1-2-3

1. Sign into the PNC Mobile app and select ATM Access.  If you don't have the PNC Mobile app[1] download it in the App Store or Google Play:


2. Request a one-time access code.

3. Visit a PNC ATM and use the one-time access code by selecting the Card Free Access button on the welcome screen[2].

Complete an ATM Transaction Without Inserting a Card[3]

PNC Card Free ATM Access allows you to use your mobile device to perform an ATM transaction by requesting a one-time access code.  This feature is available at most PNC ATMs, check the locator for a location near you.

  • Open the PNC Mobile app, tap the menu icon on the upper left of your screen.
  • Select "ATM Access" on the bottom menu (if you have more than one card, select the appropriate one).
  • Tap the "Generate Access Code" button to request a one-time access code.
  • An 8-digit access code will be presented along with instructions on how to proceed.
  • The access code will be active for 30 minutes.

Any PNC ATM transaction that can be completed with a PNC debit or banking card can now be completed without a card.

The experience will continue at a PNC ATM once the 8-digit code has been provided in the PNC Mobile app.

  • Select the "Card Free Access" button on the ATM Welcome screen.
  • Enter the 8-digit access code that is provided within the PNC Mobile app and tap "Continue."
  • Enter your 4-digit card PIN associated with the card you selected in the mobile app.
  • Perform your ATM transaction.

PNC Card Free Access FAQs

PNC DepositEasy℠

PNC DepositEasy is the "envelope-free" way to make cash or check deposits right at the ATM, any time of day or night, including weekends and holidays.

24/7, 365 days

Make cash or check deposits 24/7, 365 days a year

No envelope needed

"Envelope-free" way to make cash or check deposits right at the ATM

Receipt with a picture

Get a receipt with a picture of your checks right on it

Access Your Money Faster with PNC Express Funds

When you deposit an approved check from your mobile phone or a PNC DepositEasy℠ ATM, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases.[4]

PNC Express Funds is convenient when:

  • You want the peace of mind that the money will be available right away
  • A bill is due
  • You need access to your deposited check funds immediately

How it works: 

  1. Make a mobile or ATM deposit.[5]
  2. Choose PNC Express Funds.
  3. Acknowledge fee for PNC Express Funds.
  4. Use your money for withdrawals and purchases immediately.[5]

Additional ATM Features

Chip Cards at PNC ATMs

Chip Cards are now enabled at PNC ATMs, making your experience even more convenient and easy. Depending on the type of ATM, your banking experience may vary.  Watch How »

Dip Card Reader - Card Stays Visible

  1. Insert your card into the ATM with the chip facing up and remove as you normally would.

  2. If the ATM is chip-enabled, the machine will recognize the chip on your card and prompt you to insert the card again.

  3. Place your card back in the reader and leave it inserted. The machine will clamp down on your card.

  4. Follow the screen instructions to complete the ATM transaction.

  5. Take your card when the ATM says the transaction is complete. Don't forget your cash!

Motor Reader - Card Goes Into Machine

  1. Insert your card into the ATM with the chip facing up as you normally would.

  2. If the ATM is chip-enabled, the machine will recognize the chip on your card and will keep the card until the transaction is complete. 

  3. Follow the screen instructions to complete the ATM transaction.

  4. Take your card when the ATM says the transaction is complete. Don't forget your cash!

Learn More About Chip Card Technology»

Account Selection

When selecting an account for a transaction, PNC customers will see a change.

Instead of “generic” account designations, (i.e. Checking 1, Checking 2, etc.) the last four digits of the account will be listed.  

This change will only be for PNC account holders. Non PNC-account holders will continue to see generic account designations.

Personalization

The PNC ATM Personalization feature makes visiting our ATMs an easier, faster experience.

In the past, a user had to enter three settings (language, receipt and fast cash) in order to enable ATM personalization preferences. With the enhancement, ATM Personalization no longer requires a user to enter all three settings.

Customers personalizing their ATM experiences will be asked to choose a preferred language. After that, languages can be changed in the “Preferences” menu or online through a user account link.

Within Preferences, your language, fast cash and receipt selections can be set up individually as well as altered individually. Also note that the Preferences will include an e-receipt option, so that receipts can be sent to a PNC account-holder’s e-mail address on file.

E-Receipt Feature

As an enhanced option, PNC customers will be able to choose an e-receipt. This means that ATM receipts will be sent to the primary e-mail address customers have registered with PNC. Customers will not be able to alter or input an e-mail address at the ATM. When a user chooses the e-receipt option, that user will be shown the e-mail address on file and asked to confirm that it is correct.

Prepaid Card

PNC SmartAccess® Prepaid Visa® card customers will now be offered ATM options specific to their cards.

That is, ATMs will read prepaid cards and display their corresponding transactions (instead of the comprehensive transaction menu offered to debit card holders). The new function will ensure that PNC SmartAccess prepaid card customers choose eligible transactions. That is, PNC SmartAccess card holders can't accidentally choose inapplicable options and receive an error message.

Two Screen Types, Same Great Service

We have two types of ATM screens - screens that are key-controlled and touch-screens. You can expect enhancements at both types of ATMs.

The enhanced screens won’t impact the function. PNC Bank ATMs still offer check-cashing and check images on receipts. Deposits made before 10 p.m. ET (9 p.m. CT) will still be considered to be made that day.

Screen-side Key Controls

On this ATM type, the user chooses transactions via the push-button keys flanking the screen.

Touch-Screen ATMs

On this ATM type, the user indicates choices by touching the screen.

Frequently Asked Questions

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Important Legal Disclosures and Information

  1. 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. 

  2. The Card Free feature is not available at all PNC ATMs. To locate a PNC ATM at which the Card Free feature is available, please use the locator feature through this link, within the PNC Mobile Banking app or at www.pnc.com.

  3. See the PNC Bank Consumer Funds Availability Policy for exceptions. 

  4. Only available at PNC DepositEasy℠ ATMs

  5. After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee.

    The fee for PNC Express Funds is 2% of each check amount over $100.  For any check amount from $25 to $100, a $2 fee will apply to each check. If the check is returned due to insufficient funds, PNC will not debit your account. 

    If a check is returned due to insufficient funds, PNC will not debit your account.

    If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.

    Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.

  6. Zero Liability Fraud Protection does not apply to ATM transactions, PIN transactions not processed by Visa, and certain commercial card transactions. Notify PNC Bank immediately of any unauthorized use. For specific restrictions, limitations and other details regarding unauthorized use, see your Consumer Electronic Funds Transfer Disclosure Statement which is part of the Account Agreement for Personal Checking, Savings and Money Market Accounts and part of the PNC Virtual Wallet Fineprint.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, FaceID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google Pay is a trademark of Google Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

Visa is a registered trademark of Visa International Service Association and used under license.

PNC DepositEasy is a service 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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The PNC Financial Services Group, Inc. All rights reserved.