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 and money market 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)


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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. 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.

  3. 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.

  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.

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