Low Cash Mode


Take control of your account
when your balance is low.

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Features & Benefits

Low Cash Mode gives you more choice and control when your balance is low or negative.

If your Spend account balance falls below $0, you will have the ability to make certain payment decisions and
extra time to bring your available balance positive.

Extra Time

You'll have extra time to fund your account when your available balance is negative before you're charged overdraft item fees.

  • You’ll have at least 24 hours to bring your available Spend account balance[1,2] to at least $0 before you are charged overdraft fees.
  • The Extra Time clock will show you how much time you have left to bring your available balance to at least $0.
  • Set up Extra Time alerts to let you know how much time you have left, even if you’re not in the app.
  • You won't be charged overdraft item fees if you bring your available balance to at least $0 before Extra Time expires.

 

Payment Control

You can choose to pay or return certain individual checks, and payments made using your routing and checking account numbers (ACH transactions),[1,3] when your balance is negative.

  • We'll let you know which transactions are eligible for you to review and decision in Payment Control.
  • From the list of eligible transactions, you will see the projected Pay / Return status of each and you will have ability to adjust as needed.[4]

Intelligent Alerts

A suite of alerts so you know when to take action.

  • Set up the method for receiving alerts - email, text or push notifications.[5]
  • Set the balance threshold of your Spend account for receiving alerts.
  • Get alerts when Low Cash Mode is on and when you have new transactions eligible for Payment Control.
  • Know how much Extra Time you have left to bring your available balance to at least $0.

 

Using Low Cash Mode

Before you can use Low Cash Mode,
you will need to download the PNC Mobile App.[6]

  

 

View Features & Fees and Terms & Conditions»

Intelligent Alerts

Customize your Low Cash Mode experience in the PNC Mobile app.
You can set your available balance threshold, manage alerts and review Payment Control history.

Step 1:

Go to Profile and Settings in the main navigation. Select Low Cash Mode.

Step 2: 

Customize your Low Cash Mode threshold and set up your Extra Time alerts.

Step 3: 

View your Payment Control history as needed.

Step 4:

Set up the method for receiving alerts - email, text or push notifications.[5]

Extra Time

We’ll let you know when your available balance is negative.

Step 1

Enter the Low Cash Mode dashboard from your Account Summary screen.

Step 2: 

See how much time you have to bring your available balance to at least $0 before you’re charged overdraft fees.

Step 3:

If you don’t bring your available balance to at least $0, you’ll see what fees have been charged.

Payment Control

We’ll let you know when your available balance is negative
and you have new transactions eligible for Payment Control.

Step 1: 

Enter the Low Cash Mode dashboard from your Account Summary screen.

Step 2: 

Enter Payment Control to review the transactions available for a pay or return decision.

Step 3:

Select a transaction to return, if desired. Your Projected Available Balance will change based on your decisions.

Step 4:

Review your decision before confirming.

Additional Control

Options when your balance is below your Low Cash Mode threshold.

Step 1: 

Enter the Low Cash Mode dashboard from your Account Summary screen.

Step 2:

View methods to fund your account as needed.[7]

Step 3: 

Lock your debit card with PNC Easy Lock to prevent further spending as needed. [8,9]

Frequently Asked Questions

Experience Low Cash Mode

Don't Have a Virtual Wallet®?

Low Cash Mode is currently available for Virtual Wallet products.[10] 
Explore our great checking accounts with tools to help you manage your financial life.

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Important Legal Disclosures and Information

  1. Low Cash Mode is available on select Virtual Wallet products at this time and is only available on the Spend account of your Virtual Wallet product.

  2. In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees.  See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  3. Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products.  PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return.  Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

  4. PNC will honor decisions to pay items at our discretion and does not guarantee that all items will be paid.

  5. PNC Alerts are free to customers. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

  6. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  7. Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions.  Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.  

  8. PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.

  9. While purchases, cash advances, and withdrawals are stopped when you lock your debit or credit card, certain transactions will continue, such as transactions identified as recurring by the merchant (both new and previously scheduled), transactions made with other cards linked to a business credit card account, transactions made with other cards linked to your checking/savings account (debit card, banking card and University Affinity Card only), university/college services, including meal plan transactions and dorm access (University Affinity Card only), balance transfers, overdraft protection and payments made to your account (credit card only), reward redemptions, checks, account related fees, interest, dispute adjustments, posting of merchant refunds or other credits to your account, and other exempt transactions.

    Also, transactions made and authorized (pending) prior to locking your card will not be blocked.

  10. PNC product and feature availability varies by location. Low Cash Mode is currently available for select Virtual Wallet Products.  It will soon be available for all Virtual Wallet products nationwide.

Low Cash Mode is a service mark of The PNC Financial Services Group, Inc.

PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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