Credit & Cash Management
Solutions

PNC Private Bank® understands the unique challenges faced by families of wealth. That's why we offer dedicated credit and cash management solutions and individualized support to help you achieve your goals - from managing assets to growing and preserving wealth for generations to come.

Our Approach

Relationship-Based Guidance for Your Financial Well-Being

As a PNC Private Bank client, you’ll work with a dedicated Banking Advisor whose goal is to understand your short and long-term financial needs and goals, and to provide you with advice, guidance, and solutions (lines of credit, mortgage options, liquidity management and more) to help you realize those goals.

Your Banking Advisor will coordinate with a team of professionals to provide you with personalized service, tailored to the unique financial needs of you and your family.

Checking & Savings

Sophisticated Cash Management Solutions

Private Bank Checking

We're making wealth banking simple by offering straightforward, interest-bearing, cash management solutions.

Private Bank Money Market

Our Money Market solution offers the ability to earn a premium interest rate while maintaining easy access to your funds.

Private Bank Certificates of Deposit (CDs)

Our Certificates of Deposit solutions could help you earn a higher fixed rate of return on a variety of terms.

Convenient Money Management

Our mobile banking[1] and online banking provide a variety of options for you to conduct your personal banking transactions in whatever manner is most convenient for you.

Lending

Browse our residential, securities-based and specialized lending solutions.

Securities-Based Lines of Credit (SBL)

Quick access to liquidity when you need it, using your investment assets as collateral.

This versatile, cost-effective and potentially tax-efficient borrowing strategy gives you the liquidity you need for a wide range of situations.

An SBL can be established at no cost, and you can draw on funds any time you need them. You only pay interest on what you use, when you use it, and you can pay down your balance at any time without a penalty.

Establishing a securities-based line of credit can offer liquidity for a variety of needs, including:

  • Taking advantage of investment opportunities, e.g., private equity or other business investments.
  • Funding a philanthropic or estate planning strategy.
  • Buying a new home before selling your current home, i.e., bridge financing.
  • New home construction/renovation.
  • Financing the cost of continued care facilities for a loved one.

You've been smart with your money, investing wisely for your future. By tapping a securities-based line of credit, you have the flexibility to take advantage of that wealth, without impacting your future.[4]

Residential Real Estate Lending

Home lending solutions tailored to high and ultra-high net worth borrowers, with preferred pricing for clients of PNC Private Bank or PNC Private Bank Hawthorn®.

Real estate financing can be a key component to building and managing your wealth. Our experienced Banking Advisors and Mortgage Loan Officers will provide personalized service and advice for selecting an option that aligns to your financial objectives – taking into account cash flow management, expected time in the home and potential tax efficiencies.[2]

Jumbo Mortgage

We offer a variety of financing solutions for primary homes, vacation properties and investment real estate. Our broad range of fixed and adjustable-rate mortgage (ARM) options allow you to align the tenor and payment structure of the mortgage to your financial objectives, including:

  • Fixed: 30, 20 and 15 year fixed; 10/30 interest-only
  • ARMs: 10, 7 and 5 year ARMs with interest-only options

In addition, you can receive a relationship discount on your mortgage rate if you have an investment and/or deposit account with a combined balance of at least $250,000 with PNC Private Bank or PNC Private Bank Hawthorn.[3]

Home Equity Lines of Credit

Your home’s equity provides an opportunity to conveniently fund home improvements or a child’s college education, and can also provide peace of mind for unexpected expenses down the road.

PNC Home Equity Lines of Credit feature convenient interest-only or principal-and-interest payment options, with the flexibility to fix the rate on a portion or all of the outstanding balance during the draw period.

Specialized Lending

Custom financing solutions for the unique needs of high and ultra-high net worth borrowers.

Banking with PNC Private Bank or PNC Private Bank Hawthorn means you have access to experienced professionals across the bank who can work with you to structure a custom solution to fit your unique situation, including:

  • Aviation Financing.[5]
  • Investment Real Estate Lending.
  • Life Insurance Premium Financing.
  • Qualified Replacement Property (QRP) / 1042 Exchange Lending.
  • Unsecured / Personal Lending.
  • Interest Rate Swaps.
  • Custom Credit.

Insights

Markets & Economy

Tax Efficient Borrowing Strategies

There are many considerations to weigh when structuring debt as part of a tax efficient strategy. Here are a few strategies to help grow your net worth.

4 min read

Financial Markets

Weekly Market Watch

PNC’s Weekly Market Watch provides a recap of the previous week’s economic and market activity and is designed to give PNC’s perspective on happenings in both US and international markets.

1 min read

Stories & Trends

Planning for Succession

A women-focused approach to the transfer of personal wealth or succession of a thriving business.

30:14 min video

Get Started

Your journey toward achieving your goals and improving your financial well-being is at your fingertips. Take the next step today!

Let's Talk

Fill out a short form and a Banking Advisor will get in touch with you, directly.

Pay Us a Visit

Take advantage of our 100+ PNC Private Bank offices across 23 states.

Contact Us

Interested in becoming a PNC Private Bank client? If you have $1 million or more in investable assets and would like to work with a PNC Private Bank professional to achieve a unique purpose for your wealth, simply fill out and submit our form. We’ll then contact you to schedule an appointment and learn more about your financial goals.

Are you a PNC Bank customer looking for help with an existing product or service?

Related Resources

Services

Trust & Estate Services

You want control of your future, to pass down a legacy and provide for the people you care about. PNC Private Bank can help.

Solutions

Investment Management

We will work with you to design a customized investment program that includes access to a broad array of investment solutions, a culture of risk management, and ongoing insights and communications.

Solutions

Private Banking Cash Management Solutions

PNC Private Bank understands the unique challenges faced by families of wealth – that’s why we employ a personalized approach to helping you identify banking solutions to address all your liquidity and borrowing needs.