Low Cash Mode℠
Everyone can have a low cash moment.
We're here to help when you do.
Say Goodbye to Surprise Overdraft Fees
We believe how you handle overdrafts should be in your control, not just your bank's.
Many banks will charge you multiple overdraft fees a day. Others may promise no overdraft fees but will return all items leaving you with unpaid bills. Low Cash Mode gives you more control when your balance is low.
Wouldn't it be great if you could make payment decisions about your account?
- $0 non-sufficient funds fee
- Maximum one $36 overdraft item fee per day
- Customized alerts when your balance is low
- 24 hours minimum Extra Time to bring your balance to at least zero[1]
Built on patents-pending technology, Low Cash Mode comes with PNC’s industry-leading Virtual Wallet® and is available through the PNC mobile app.[2,3]
Account Transparency & Control
Manage your Spend account when your balance is low. With Low Cash Mode, you can use Intelligent Alerts, Extra Time and Payment Control to help you avoid overdraft fees.
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] 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),[4] 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.[5]
- You may be able to limit how negative your account will become if you are in an overdraft situation.
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.[6]
- 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.
It Starts With a Great Checking Account
In Virtual Wallet, your primary checking account is called Spend. Each Spend account comes with digital tools to help plan and track your spending.
Digital Tools to Help You Manage Your Money
Virtual Wallet is a best-in-class bank product and money management solution with digital tools including, Calendar, Danger Day,SM Money Bar,® and Savings Goals to help you to see what's free to spend, stay on track with your budget and reach your financial goals.
Select the Virtual Wallet that is Right for You
Virtual Wallet starts with checking (we call it Spend.) Whether you select Spend only or add planning and saving with Reserve & Growth, Virtual Wallet and its digital tools work as a powerful solution for today's banking needs.
Experience PNC Low Cash Mode
Low Cash Mode is currently available for select Virtual Wallet products.[7] To get started, apply for Virtual Wallet, download the PNC Mobile app and explore the in-app tutorial.
Important Legal Disclosures and Information
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.
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.
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.
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.
PNC will honor decisions to pay items at our discretion and does not guarantee that all items will be paid.
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.
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.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
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Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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