Overdraft Solutions

People make mistakes, so the occasional overdraft can happen. That's why it's a good idea to have a PNC Overdraft Solution in place. Here, you will find information about your options, so you can choose the overdraft solutions that are right for you.

A Choice for Your Consideration

There are two ways to protect your account

1. Overdraft Protection

Overdraft Protection is a service that links another PNC account to your PNC checking account. You can link:

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


2. Overdraft Coverage

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 remain opted out or you can change your mind at any time - just let us know.

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


Important Information for Virtual Wallet Customers

If you have a Virtual Wallet product with Spend, Reserve and Growth, you do not need to sign up for Overdraft Protection, since the account comes with an integrated Ovedraft Protection feature. 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. Overdraft Protection and Overdraft Coverage are 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.

Spend is the primary checking account for your "everyday" transactions. Debit Card purchases, online bill payments, ATM withdrawals and checks will come from the Spend account by default. The Spend account is set up with overdraft protection by the Reserve Account and the Growth account works as a secondary source of Overdraft Protection.  If you have a Virtual Wallet product with a ​Spend only, you can set up Overdraft Protection. You may find that Virtual Wallet works best when you use the Spend account for all outgoing payments.

Reserve is your short-term savings account where you can set aside money for upcoming expenses and budgeting purposes.  Once you have enough, simply transfer that money to your Spend account. Reserve also functions as the primary Overdraft Protection source for your Spend account. Overdraft Protection and Overdraft Coverage are not available for your Reserve account.

Growth is your long-term savings account, helping you grow your nest egg and save for life-changing purchases ahead. You'll also receive a competitive interest rate[2] to further contribute to your savings goals. In addition to saving, Growth will serve as a secondary source of Overdraft Protection on your Spend account. Keep in mind that you can transfer as often as you want into the Growth account, but there are federal limits on how often funds can be transferred out. Overdraft Protection and Overdraft Coverage are not available for your Growth account.

Keep in mind overdraft protection is only available for the Spend account. Overdraft Protection and Overdraft Coverage are not available for the Reserve and Growth accounts.

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Important Information and Disclosures

  1. 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.

  2. If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card and/or PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $500 for Virtual Wallet, or $2,000 ($1,000 for PNC WorkPlace Banking® or Military Banking customers) for Virtual Wallet with Performance Spend, or $5,000 for Virtual Wallet with Performance Select, you’ll earn the higher relationship rate on your Growth account for the following month. Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date you initiated the transaction.

    We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.

    A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.

  3. You may not make more than a total of six (6) transfers each statement cycle 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. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in your Savings or Money Market account being changed to a Standard Checking account, which will be subject to the features and fees as described in the Consumer Schedule of Service Charges and Fees in effect at that time.  We reserve the right to suspend enforcement of these transaction limitations, at our discretion.

  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.

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