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]

 

  

 

Low Cash Mode Terms  | Features & Fees

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.

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

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.