Overdraft Services
& Solutions


People make mistakes and can have low cash moments, so the occasional overdraft can happen. That's where PNC Overdraft Solutions come in. 

Low Cash Mode

Powered by Virtual Wallet® to help you avoid overdraft fees.

Virtual Wallet now comes with Low Cash Mode which delivers real-time intelligent alerts that let you know when your balance is low, allows you to choose whether certain transactions[1] should be paid or returned when your balance is negative, and gives you at least 24 hours to bring your account out of the negative so you can avoid overdraft fees.

  • Extra Time – you’ll have at least 24 hours to bring your available spend account[2] balance to at least $0[3] before you are charged overdraft fees.
  • 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] when your balance is negative.
  • Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.[4]

Learn more »

Overdraft Protection

Link another one of your PNC accounts to protect your
PNC checking account from overdrafts.[5]

Set up Overdraft Protection to link your checking account to another eligible PNC account, so you can use available funds to cover overdrafts.You can link:

When there's an insufficient balance in your checking account to pay for any item, funds, if available, are transferred from the Protecting Account to cover your purchases.

If you have a Virtual Wallet product with Spend, Reserve and Growth, you do not need to sign up for Overdraft Protection. With Virtual Wallet, if you overdraw your Spend account, PNC will transfer available funds from your Reserve and/or Growth accounts to cover your transaction.[5]

Please note that Overdraft Protection is not available for your Reserve and Growth accounts. If you have a Virtual Wallet product with a Spend only, you can set up Overdraft Protection.

 

Overdraft Coverage

Opting in can help you avoid declines on your everyday one-time debit card transactions or ATM withdrawals when you have insufficient funds.

Overdraft Coverage covers your ATM and everyday (one-time) debit card transactions, at our discretion, if you overdraw your account. You can choose Overdraft Coverage for each PNC checking account you have, and you can opt in or out of Overdraft Coverage whenever you like. Of course you can change your mind at any time - just let us know.

Please note that Overdraft Coverage is not offered on Foundation Checking or Virtual Wallet Reserve and Growth accounts.

For additional details:
Overdraft Notification (Standard OD/NSF fees apply)

Digital Banking Tools

In addition to Overdraft Solutions,
PNC offers a number of ways to help make your financial life easier.

 

Direct Deposit

With this service, you can access your money the same day you're paid. Contact your employer or government agency to have your check deposited into your account automatically every payday.

 

Online Banking & Bill Pay

Access your account information how and where you need it. Check balances, pay bills, review account activity, transfer money[7] and more. [8]

 

Mobile Banking

Check your balance, pay bills, request help and more. Additionally, the PNC Mobile app lets you change your language preference to Spanish.[9]

 

 

Current Customer Overdraft Solutions Settings

PNC Mobile App

Download the mobile App to edit your Overdraft Solutions settings

Have Questions or Need Help?

Insights

Spend

A Guide to Understanding Overdraft Fees

When you spend more than you have in your checking account, your bank may impose overdraft fees. Find out how overdraft fees work and how you can avoid them.

3 min read

Spend

Understanding Overdraft Coverage & Protection

Overdraft protection and coverage can help you avoid overdraft fees.

2 min read

Spend

The Pros and Cons of Overdraft Coverage

Overdraft coverage can be helpful in certain circumstances, but costly if not used properly. Could it be right for you?

1 min read

Frequently Asked Questions

Important Information and Disclosures

  1. Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). 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.

  2. 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.

  3. 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.

  4. 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.
  5. Some accounts are not eligible to be linked as overdraft protection based on titling, product requirements or system constraints.

  6. Establishment of a line of credit is subject to credit approval. The available line balance must be sufficient to cover the overdraft amount. The minimum amount that can be transferred is $50. Other restrictions and conditions may apply. Contact us for more details.

  7. Transaction fees will apply to your account if you exceed six (6) Restricted Transfers in a monthly service charge period. Restricted Transfers are transfers from a savings or money market account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order payable to a third person. If you make more than a total of six (6) Restricted Transfers in a monthly service charge period, you will be charged a fee for each Restricted Transfer. See your account agreement and fee schedule for more information. Other limits may apply to your account. We reserve the right to suspend enforcement of these transaction limitations, or to modify them, at our discretion.

  8. Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.

  9. 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.

Virtual Wallet, PNC Pay, and PNC Purchase Payback are registered marks of The PNC FInancial Services Group, Inc.

PNC has numerous patents/pending patent applications directed at various features and functions of Virtual Wallet.

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

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

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