As a PNC customer, there is no ATM surcharge fee for PNC and PNC Partner ATMs. Visit PNC.com/locator to find a PNC or PNC Partner ATM near you where PNC customers can access money fee-free.
ATM Banking & PNC Partner ATMs
Convenience is banking when and where you want
Convenience Store ATMs
Save Time on the Go - Use the PNC or PNC Partner ATM at Your Local Convenience Store
Your daily routine just got better. While you grab your morning coffee, gas and delicious snacks, visit one of these participating convenience stores to take care of your banking needs.
PNC Card Free Access
Introducing PNC Card Free ATM Access - Easy as 1-2-3
Complete an ATM Transaction Without Inserting a Card
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
Active PNC debit and banking cards are eligible for Card Free ATM Access. Cards not eligible for this feature include deposit only cards, credit cards, SmartAccess® cards and non-PNC cards.
Your card may not be eligible for this feature.
For joint account owners, you must have your own user ID and password in order to access your card in the app. Customers can enroll in mobile banking directly in the PNC Mobile app or at www.pnc.com. You will need your Social Security number, the PIN associated with your debit card, and your account number to enroll.
No, your one-time access code can be used only once to gain access at the ATM. Just like when you use your card, you can complete multiple transactions with the re-entry of your PIN. As soon as you return to the welcome screen, the session is complete.
Please ensure that you entered the entire 8-digit code correctly. Your active code also displays after you sign in to the PNC Mobile app. Your active code is valid for 30 minutes from the request or until it's successfully used at an ATM. If the code still isn't working, it may be expired, and you will need to request a new code in the app.
On rare occasions, Card Free Access may not be available at some ATMs due to maintenance. During this time, you can insert your debit card to complete a transaction.
If you believe a problem or error occurred contact PNC immediately via Customer Service at 1-888-PNCBANK, the help center in the PNC Mobile app or visit a PNC Branch.
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.
PNC Express Funds
Access Your Money Faster
Whether you deposit a check through the PNC Mobile app, at a PNC DepositEasy℠ ATM or with a teller, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases[5,6].
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:
- Chip Cards at PNC ATMs
- Account Selection
- ATM Preferences
- Change Card PINs
- E-Receipt Feature
- Prepaid Card
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.
You will need to know your existing PIN to initiate this service. The customer must select the ‘More Choices’ button to get to the PIN Change screen. For added security, PNC will always mail a notice to your registered address whenever your PIN is changed.
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.
Frequently Asked Questions
Q. What is a chip card?
A. A chip card enhances card security for electronic payments when inserted in the chip card reader (not swiped) of a chip-enabled terminal. The chip generates a unique transaction code which is shared with the ATM processor. This makes the card difficult to copy.
Q. What is EMV?
A. Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 3.4 billion chip cards issued across the globe.
Q. Will my chip card prevent all fraudulent activity?
A. No. Your chip card provides an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. PNC will continue to provide 24-hour fraud monitoring and your PNC Visa® debit, credit, and PNC SmartAccess cards come with Zero Liability Fraud Protection.
Q. How do I know if I have a chip card?
A. If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.
Q. What does a chip-enabled ATM look like?
A. Chip-enabled ATMs have all of the features that you are used to. You likely won’t notice any physical difference between a magnetic stripe ATM and a chip-enabled ATM.
Q. How do I know if an ATM accepts chip cards?
A. Insert your card into the ATM with the chip facing up as you normally would. If the ATM is chip-enabled, the machine will recognize the chip on your card and will guide you through the transaction.
Q. What should I expect when using my chip card at a chip-enabled ATM?
A. Depending on the type of ATM, your experience may differ slightly.
If your card is not visible, use these basic steps for a successful ATM transaction:
1. Insert your card into the ATM with the chip facing up. The machine will recognize the chip and keep your card within the machine.
2. Follow the ATM screen prompts to complete your transaction.
3. The machine will indicate when you should remove your card; do so and take your cash.
Q. What if I remove my card before the ATM prompts me to do so?
A. If your card is removed prior to the prompt, the terminal and your card may be damaged. If there is no visible damage to your card and the machine returns to the welcome screen, you can attempt the transaction again. If the machine states it is out of service, then you will need to use a different ATM. If your card is physically damaged or denied by the ATM, you will need to call PNC at 1-888-PNC-BANK, or visit a branch, and go through the process of ordering a new card.
Q. Can I still use my chip card at a non-chip-enabled ATM or merchant terminal?
A. Yes. Your card will have a chip and a magnetic stripe to accommodate any situation.
Q. What if the ATM doesn't accept chip cards?
A. Cards will still have a magnetic stripe on the back, so even if a terminal or ATM is not yet chip-enabled, you can still use your card.
Q. Where can I find more information about using my chip card at merchant terminals?
A. Visit pnc.com/chipcard for more information about using your chip card for transactions at merchant terminals.
Q. I had a ATM Preference profile set up and I am being asked to set up another. Why?
A. Profiles created prior to the ATM upgrades are not compatible with the upgraded platform. However, a new profile can be created in only a few seconds. This can be done at the ATM terminal, any branch location, online or through PNC’s Customer Care line at 1-888-PNC-BANK.
Q. Is there any risk in having two ATM Preference profiles?
A. No. The responses to the Personalization questions do not house any information where personal information could be compromised.
Q. Why can only PNC account holders utilize the e-receipt option?
A. PNC does not record the e-mail addresses of customers who are not PNC account holders.
Q. Why can't I change my e-mail address at the ATM?
A. For your security, PNC does not allow account holders to change their e-mail address at the ATM. This can easily be done at any branch location, through Online Banking or through PNC’s customer Care line at 1-888-PNC-BANK.
Q. When can I change my profile?
A. Immediately. On the main menu screen there is an option to edit profiles. Following the screen options will enable you to make changes. You can also make changes through Online Banking.
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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.
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.
Only available at PNC DepositEasy℠ ATMs
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 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.
Please note that Funds you deposit by check may be available after the Standard Funds Availability date in certain circumstances. For example, availability may be delayed if PNC has reason to believe a check you have deposited will not be paid or if your checks deposited on any one business day total $50,000 or more. For more examples, you may refer to your PNC Funds Availability Policy and other notifications for additional information regarding delays to the availability of deposits.
Note: With Standard Funds Availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items processed that evening for posting if your deposit is completed by 10pm ET. Deposits completed after 10 pm on a business day and deposits completed on non-business days will be considered to be made on the next business day. See the PNC Funds Availability Policy for exceptions and details. All deposits are subject to verification and may be adjusted upon
Limitations apply. Notify PNC Bank immediately of any unauthorized use. For specific time restrictions, limitations and other details regarding unauthorized use, see your account agreement.
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Google Pay, Google PlayTM 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.
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