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.
People can have low cash moments, so the occasional overdraft can happen. That's where PNC Overdraft Solutions come in.
Low Cash Mode®
A set of features, including mobile banking tools, to help you avoid overdraft fees.
Your Virtual Wallet Spend account 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 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 balance to at least $0 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), when your balance is negative.
- Intelligent Alerts – a suite of alerts so you know when to and how long you have to take action.
PNC Overdraft Solutions
Learn about your options and decide which are right for you.
Link up to two of your PNC accounts to help protect your PNC checking account from overdrafts.
Set up Overdraft Protection to link your checking account with up to two other eligible PNC accounts (called your Protecting Accounts) so that you can use available funds to cover overdrafts. You can link:
- A secondary PNC checking account
- A PNC savings account or money market deposit account
- Any PNC credit card
- A PNC line of credit
When there's an insufficient available 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.
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.
Opting in to Overdraft Coverage allows PNC to cover your ATM and everyday (one-time) debit card transactions when your available balance is not enough to cover the transaction(s).
When you opt in, PNC may pay your ATM and everyday (one-time) transactions, at our discretion. Overdraft fees apply.
When you opt out, ATM and everyday (one-time) debit card transactions will be declined if your available balance is too low.
Overdraft Coverage does not apply to checks, ACH and recurring debit card transactions. PNC may pay these at our discretion.
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.
Please note that Overdraft Coverage is not offered on Foundation Checking or Virtual Wallet Reserve and Growth accounts.
Digital Banking Tools
In addition to the Overdraft Solutions above, PNC offers a number of ways to help make your financial life easier.
With this service, you can access your money the same day you’re paid, which may give you faster access to funds than a check deposit.
Check your balance, pay bills, request help, and more. The PNC Mobile app lets you access your transactions and current available balance on the go, so you can stay informed if your balance is low.
Frequently Asked Questions
People make mistakes, so the occasional overdraft can happen. If it happens, opting in may allow your ATM withdrawals and everyday (one-time) debit card purchases to be approved, which saves you the embarrassment of being declined and/or leaving you in a position where you may be unable to complete the transaction.
No, Overdraft Coverage only applies to ATM and everyday (one-time) debit card transactions. Items such as checks, ACH transactions (paid using your account and routing number, like a utility bill) and recurring debit card transactions (like a gym or subscription box payment) are treated under the bank's standard overdraft practices. In the case when you do not have sufficient available funds to cover these types of items, the bank, at its discretion, may pay the item(s) resulting in an overdraft fee(s).
No, the bank has the discretion to approve or decline a transaction that causes the account to become overdrawn.
Yes, Overdraft Protection links your checking account to another eligible PNC account, so you can use available funds to cover overdrafts. However, if there are not enough available funds in your Protecting Account to cover your ATM and everyday (one-time) debit card transactions, they will be declined. Opting in to Overdraft Coverage could provide an additional layer of coverage for ATM and everyday (one-time) debit card transactions in the event you exhaust your Overdraft Protection funds.
Overdraft Coverage does not affect the way we process overdrafts on recurring debit card transactions, checks and other transactions made using your checking account. We will continue to exercise our discretion in paying these overdrafts.
Your ATM and everyday (one-time) debit card transactions will be declined in the event of an overdraft, unless you have PNC Overdraft Protection and available funds. Our standard overdraft practices will continue to be in effect for your checks and automatic bank payments.
You or any joint owner may change your opt-in or opt-out choice at any time. Call 1-877-588-3605 and select Option 1, visit any branch, or sign on to PNC Online Banking, and select the "Overdraft Solutions" link under the Account Services section to manage your Overdraft Coverage settings. You can also manage these preferences in the PNC mobile App by clicking "Account & Settings" and then the "Overdraft Solutions" tile.
For Our Deaf and Hard of Hearing Customers, PNC accepts Telecommunications Relay Service (TRS) calls.
The bank will process the last selection received as of 10:00 p.m. ET (before posting) each business day. Therefore, in the example above, the last opt-out choice would be applied to the account the next business day.
Only one authorized signer per account has to opt in for Overdraft Coverage.
Yes, you do have the option to add Overdraft Coverage to the Spend account in your Virtual Wallet. Opting in to Overdraft Coverage would provide you with an additional layer of coverage for your ATM and everyday (one-time) debit card transactions on your Spend account in the event you exhaust all of your Overdraft Protection funds. If you do not opt in, your ATM and everyday (one-time) debit card transactions will be declined if you do not have sufficient funds in your linked overdraft protection accounts. Overdraft Coverage is available on the Spend account only.
No, consumer accounts can not be used to protect a business account and business accounts cannot be used to protect a consumer account.
For more information about business accounts and Overdraft/NSF fees, see Business Checking Accounts and Related Charges.
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Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
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.
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.
Some accounts are not eligible to be linked as overdraft protection based on titling, product requirements or system constraints.
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.
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.
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 registered 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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.