Online Banking Security Pledge and Bill Pay Guarantee

With PNC Bank's Online Banking and Bill Pay service, we strive to protect your personal and financial information and to process your online transactions in a timely and accurate manner.

Funds Security

When you use Online Bill Pay, our goal is to make your electronic payments as safe and reliable as possible. In the unlikely event of a loss in a consumer account when using our online service, you will be reimbursed the amount of the unauthorized transaction as long as you properly followed the guidelines in the Online Bill Pay Service Agreement.

Account Security

With respect to our online pledge, 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. You should also maintain up-to-date anti-virus and malware protection. You should also learn how to spot fraudulent email phishing scams and avoid clicking on suspicious links and files.

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 for 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 Security Pledge and Bill Pay Guarantee is one of the many services PNC offers through PNC Security & Privacy to help protect you from fraud and identity theft.

Important Legal Disclosures and Information

  1. We will reimburse you for any applicable associated fees if the payment settles earlier or later than the date you select. As long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Scheduling" in the Bill Pay Agreement, the Online Bill Pay Service will bear 100% responsibility for any late payment related charges should a payment post to your account with the biller after its due date, as well as reimburse you for any applicable fees associated with a check payment that settles prior to the date you selected in Online Bill Pay. It also covers 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.​

This Guarantee may be modified or discontinued at any time.

BBVA is a registered trademark of BBVA, S.A. and is used under license.

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.