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.[1]

 PNC Card Free Access

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[2] 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[3].

 Download on the App Store  


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

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.

No, there can only be one active code per user. An access code remains active until it is successfully used at the ATM, another code is generated, it is cancelled in the app or the 30-minute time limit expires.

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.  

While PNC tries to limit the number of instances when a machine malfunctions, these issues may occur. Please call PNC Customer Services at 1-888-PNCBANK, use the help center in the app, or visit a branch to explain your experience.

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[4].

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

PNC Express Funds

Access Your Money Faster

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.[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: 

  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.[6]

Additional Features/FAQs

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.

Dip Card Reader - Card Stays Visible

  1. Insert your card into the ATM with the chip facing up.

  2. Follow the screen instruction to complete the ATM transaction.

  3. 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.

  2. Follow the screen instruction to complete the ATM transaction.

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

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.

Select an Account PNC ATM screen

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.

Language selection PNC ATM screen
Second Language selection PNC ATM screen
Language selection confirmation PNC ATM screen
Select a transaction PNC ATM screen
Second select a transaction PNC ATM screen

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.

Select a receipt preference PNC ATM screen
Receipt selection confirmation PNC ATM screen
Email address change PNC ATM screen

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.

Select a transaction atm screen

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, as always, your PNC Visa debit, credit, and PNC SmartAccess cards come with Zero Liability Fraud Protection[6].

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 Personalization 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 Personalization 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.

We Also Recommmend

PNC Visa Debit Cards

PNC Bank Visa Debit Card

Your PNC Bank Visa Debit Card is a faster, easier way to pay for virtually anything.

PNC Visa credit cards

PNC Visa Credit Cards

Want to earn cash or points? We have a credit card that is right for you.