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:

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 are automatically transferred from the Protecting Account to cover your purchases.

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 applicable fees and other details:
Overdraft Notification (Standard OD/NSF fees apply)

We Also Recommend

PNC Checking

Makes your financial life simpler! Find out which checking account is best suited for your lifestyle and banking needs.

Learn More »

PNC Visa® Credit Cards

Want to earn cash or points? We have a credit card that is right for you.

Learn More »


PNC has savings solutions to meet your needs.

Learn More »

Important Information and Disclosures

  1. Establishment of a line of credit is subject to credit approval.  Available line balance must be sufficient to cover overdraft amount.

  2. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please see our Consumer Schedule of Service Charges and Fees for additional information.

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