Online Banking and Bill Pay Guarantee

Peace of Mind. We Promise.

With PNC Bank's Online Banking and Bill Pay service, you can be confident that our high level of security will protect your personal and financial information and that you are covered in the unlikely event of unauthorized transactions or processing delays.

Funds Security

When you use Online Bill Pay, we promise your electronic payments are safe and reliable. You will be reimbursed 100% for any improperly removed funds from your accounts as long as you follow the instructions provided in the Online Bill Pay Service Agreement. This includes funds removed from your accounts as a result of online theft of your account numbers or password as well as unauthorized online removal of funds from your accounts.

Account Security

Even with our online promise in place, you must share in the responsibility of keeping your financial information secure. You are responsible for keeping your online Password, account numbers, User ID, and other account data confidential. If you share this information with another person, you authorize them to use your account.

On-time Payments

When you schedule your payment transactions in compliance with the Online Bill Pay Service Agreement, we promise to pay your bills as scheduled. If you have scheduled your payment properly and the payment is credited after the due date, we will reimburse you 100% of any late fees or interest charges[1] you incur.


PNC Bank is committed to treating our customer's personal financial information responsibly. We respect the privacy of our customers and are committed to protecting their information on our Web sites with the same care we utilize for all PNC Bank transactions. For additional information on how we protect your privacy, see our Privacy Policy.

The Online Banking and Bill Pay Guarantee is one of the many services PNC offers through PNC Security Assurance to help protect you from fraud and identity theft.

Important Legal Disclosures and Information

  1. Limited to additional interest charges accrued between the due date of the bill and the date when the bill is paid.

This Guarantee may be modified or discontinued at any time.