Online Banking and Bill Pay Guarantee

With PNC Bank's Online Banking and Bill Pay service, you can be confident that we strive to protect your personal and financial information and that you are covered in the unlikely event of unauthorized transactions or processing delays on your PNC accounts.


Funds Security

When you use Online Bill Pay, our goal is to make your electronic payments as safe and reliable as possible. You will be reimbursed 100% for any funds not authorized by the account holder as long as the instructions provided in the Online Bill Pay Service Agreement are followed.

Account Security

With respect to our online guarantee, 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

Your payments will be scheduled in compliance with the Online Bill Pay Service Agreement. 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.