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Low Cash Mode


Choice, control and transparency.
Manage your account when your balance is low.

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Features & Benefits

Take control of your account when your balance is low.

New features give you the power 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.  

  • 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 account and routing number when your balance is negative.

  • We'll let you know which transactions are eligible for Payment Control.
  • Transactions that are eligible for Payment Control are determined based on factors including account history and customer behavior.
 

Intelligent Alerts

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

  • Set up alerts to receive email, text or push notifications.[1]
  • 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.[2]

  

 

 

Customize Settings

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 alerts to receive email, text or push notifications.

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.[3]

Step 3: 

Lock your debit card with PNC Easy Lock to prevent further spending as needed. [4,5]

Frequently Asked Questions

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Important Legal Disclosures and Information

  1. 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.

  2. 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.

  3. 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.  

  4. 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.

  5. 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.

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

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.

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