PNC Extra Time℠
Available for Select PNC Customers
With PNC Extra Time, you can receive additional alerts via text or e-mail that may help you in the event of an overdraft.
Welcome to PNC Extra Time
As a valued PNC customer who uses PNC Alerts for Overdraft and/or Insufficient Funds notifications, you have been selected to participate in a pilot of PNC Extra Time.
PNC Extra Time is a free service that offers you enhanced alerts plus additional time to remedy an overdraft situation.
For each instance that your PNC account is overdrawn or is in jeopardy of being overdrawn, you will receive up to three timed alerts. These notifications will be delivered to you via your existing PNC Alert preferences (email, text or both).
How does PNC Extra Time work?
During the PNC Extra Time pilot program, you may receive up to three timed alerts delivered to you via your existing alert preferences (email, text or both) with specific instructions to help you avoid overdrawing your account and incurring related fees.
If you overdraw your account on a weekend or bank holiday, you will receive the PNC Extra Time alerts on Monday or the first business day following the holiday.
Sample scenario: You have an available account balance of $100 and an item(s) for $200 is presented for payment from your account.
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What is a “qualified deposit”?
Examples of qualified deposits:
If you receive the first PNC Extra time alert and make a deposit prior to 10 pm ET, a qualified deposit may consist of:
- Cash deposited at a PNC ATM or at a PNC branch
- A transfer of funds from a PNC account performed at a PNC ATM, PNC Online Banking or PNC Mobile Banking
- A PNC check deposited at a PNC ATM, PNC branch or via PNC Mobile Banking
If you receive the second PNC Extra time alert and make a deposit prior to 11 am ET, a qualified deposit may consist of:
- Cash deposited at a PNC ATM or at a PNC branch
- A transfer of funds from a PNC account performed at a PNC ATM, PNC Online Banking or PNC Mobile Banking
- Please note: Unlike the first PNC Extra time alert, a PNC check deposited after the second PNC Extra time alert is not considered a qualified deposit.
If I deposit a non-PNC check, will it cover any items that are presented to my account that same day?
There may be times where we pay your items when a deposit was made using a non-PNC check, and charge you an Overdraft Item Fee. With PNC Extra Time, that fee could be reversed from your account, the following business day. Learn more about PNC's Consumer Funds Availbaility Policy.
What do I need to do in order to use PNC Extra Time?
Select PNC customers who are enrolled into the pilot program and already use PNC Alerts for Overdraft and/or Insufficient Funds notifications have nothing additional to do.
In the event that you receive alerts during the PNC Extra Time pilot program, simply review the notifications and determine whether or not you want to take action.
Is there a charge for this service?
No. There are no additional charges to receive alerts for PNC Extra Time or to partake in this pilot program.
Is this service available to all PNC customers and accounts?
No. Currently PNC Extra Time is only offered to select PNC customers in the Georgia/Alabama, Carolinas and Greater Washington markets. PNC customers not selected to use PNC Extra Time cannot enroll themselves or request to be enrolled in the pilot program.
What if I do not want to be part of this pilot?
You may choose to opt-out of the PNC Extra Time pilot program at any time. However, once you opt-out of the pilot, you will not be able to enroll back into the pilot.
You may use the following methods to opt-out of the PNC Extra Time pilot and re-enroll in your previous alert settings:
- Online using self-service tools in PNC Online Banking. Log in to Online Banking. Then, click on the "Alerts" tab at the top of the screen. Unsubscribe via the add/edit or profile page.
- In person at a PNC Branch
- Via phone by calling the PNC Customer Care Center at 1-888-PNC-BANK (1-888-762-2265). PNC Customer Care Consultants are available 7:00 a.m. to 10:00 p.m., ET, Monday through Friday and 8:00 a.m. to 5:00 p.m., ET, Saturday and Sunday to help you with your existing PNC accounts.
Once you unsubscribe you will not be able to re-subscribe.
How can I share feedback about my experience with PNC Extra Time?
Thank you for participating in PNC Extra Time pilot program. Please check this page frequently for ways to provide feedback on this service. With your help, we will gather vital information and insight that may be used to develop new products and services to support all PNC customers on their path to financial well-being.
Important Legal Disclosures and Information
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
PNC does not guarantee the delivery time of alerts as stated.
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.
