PNC Extra Time^℠

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.

• At approximately 5 pm ET that day, you will receive the first PNC Extra Time alert which informs you that you are at risk of overdrawing your account. 
  • The first PNC Extra Time alert tells you that you can avoid overdrawing your account and incurring related fees if you make a qualified deposit by 10 pm ET that evening. 
• If you choose not to take any action after receiving the first PNC Extra Time alert, you will receive the second Extra Time alert at approximately 6 am ET the following morning.
  • The second PNC Extra Time alert provides the total amount you must deposit to bring your account to a positive balance. It lets you know that if you make a qualified deposit by 11 am ET that morning, PNC will pay any returned items and reverse any fees you may have incurred. 
• At approximately 3 pm ET that same day, you will receive the Non-Sufficient Funds alert.
  • The Non-Sufficient Funds alert contains the details about the items that overdrew your account, whether they were paid or not, and lists any fees that were charged to your account. This alert is similar to the alert you may be familiar with receiving today. 

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.

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 Availability Policy.

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. 

No. There are no additional charges to receive alerts for PNC Extra Time or to partake in this pilot program.

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.

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. 

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.