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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
Convenient Money Management
Our mobile banking[1], mobile apps, 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.
- Residential
- Securities-Based
- Specialized
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.
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]
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
Business Continuity & Succession Planning
Selling Your Business to a Private Equity Firm
Selling some or all of your ownership stake in your business to a private equity firm could be a way for you to plan for the succession of your business.
7 min read
Retirement & Investment Planning
Comparing 401(k)/403(b) Plans with IRAs
When considering a retirement plan, two common options are a Roth IRA and a 401(k) or 403(b) plan. Learn more about these options and how they differ.
3 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
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
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Please consult your tax advisor.
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PNC Private Bank Jumbo Mortgage Relationship offer may be modified or discontinued at any time. To be eligible, you must have or establish a PNC Private Bank investment and/or deposit account with that required asset balance or provide confirmation that you have initiated the transfer of the necessary funds to meet the minimum. PNC reserves the right to withdraw future availability of this program based on past relationship performance and required deposit balance.
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PNC does not provide legal, tax or accounting advice. Please consult your tax advisor. Credit subject to approval.
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Aircraft financing is provided by PNC Aviation Finance, a division of PNC Equipment Finance, LLC
Important Information: At PNC we are committed to keeping you informed about any changes regarding our fiduciary status under ERISA and the Internal Revenue Code, as applicable, with respect to certain services we provide to IRA accounts. Learn More »
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
Carrier fees for data usage may apply.
Interest-Only payments pay only the accrued interest on the loan each month, and do not reduce the principal balance. When fully amortizing payments become due, monthly payments could increase substantially above the initial Interest-Only payment amount. Please read all product disclosures carefully for complete details of loan features. A pre-payment penalty may apply. If a reduced documentation option is used to qualify for financing, this may result in higher costs and/or an increased interest rate. Terms and conditions of the offer subject to change without notice.
Rate may increase after settlement.
PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
Effective use of credit is often a key component of sophisticated financial plans. Your Banking Advisor can discuss secured and unsecured credit options for both simple and complex financing needs. These may include mortgage lending, refinancing, home equity lines and loans, as well as loans to leverage liquid investment assets.
Customized loan structures can provide additional flexibility, helping you achieve short and long-term objectives that may include diversifying assets, growing a business or minimizing tax obligations. Specialized financing for aircraft and other large purchases can also be arranged, including lending to fund life insurance premiums.
The PNC Financial Services Group, Inc. (“PNC”) uses the marketing names PNC Private BankSM, PNC Private Bank Hawthorn®, and Hawthorn Institute for Family Success® to provide investment consulting and wealth management, fiduciary services, FDIC-insured banking products and services, and lending of funds to individual clients through PNC Bank, National Association (“PNC Bank”), which is a Member FDIC, and to provide specific fiduciary and agency services through PNC Delaware Trust Company or PNC Ohio Trust Company. PNC does not provide legal, tax, or accounting advice unless, with respect to tax advice, PNC Bank has entered into a written tax services agreement. PNC Bank is not registered as a municipal advisor under the Dodd-Frank Wall Street Reform and Consumer Protection Act.
“PNC Private Bank Hawthorn,” and “Hawthorn Institute for Family Success,” are registered marks, and “PNC Private Bank” is a service mark, of The PNC Financial Services Group, Inc.
Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we are required by Federal law to ask for your name, street address, date of birth (for natural persons) and other information as required to identify you. This may include a request or requests for confirmatory information such as presentation of your driver’s license and/or other document(s).
Insurance: Not FDIC Insured. No Bank or Federal Government Guarantee. Not a Deposit. May Lose Value.
Insurance transactions may be placed through M Financial Group (together with any successor or subsequently selected third party broker general agency firm, (the “BGA”)). Insurance Strategists are employees of PNC Bank and licensed agents of PNC Bank’s affiliated insurance agency, PNC Insurance Services, LLC, (“PNCIS”) and PNC Bank’s affiliated broker-dealer, PNC Investments LLC, (“PNCI”). Insurance Strategists will refer potential clients for offered products which include certain non-variable, long-term care, and disability insurance products to the BGA through PNCIS. Insurance strategists will refer potential clients for variable insurance products to the BGA through PNCI. Insurance products offered by the BGA are not deposits or other obligations of, or guaranteed by, PNC Bank or any of its affiliates. Insurance products are not insured by the Federal Deposit Insurance Corporation or any Federal Government Agency. Insurance products are subject to investment risk, including possible loss of principal amount invested. Insurance products are obligations of unaffiliated insurance companies and any payments under the policies will depend upon the financial condition of those companies. We do not undertake to analyze or report to you on the financial condition of those companies. Your decision to purchase, or not to purchase, insurance products from the BGA will not affect the cost or availability of any products or services from PNC Bank or any of its affiliates. Insurance that is required in connection with any loan from PNC Bank may be purchased through the BGA or any other insurance agency. You are not required to purchase insurance through PNC Bank or its affiliates. If you choose to purchase insurance and finance the premium, you may choose to finance through PNC Bank or any lending institution. You are not required to finance through PNC Bank or its affiliates. Only licensed representatives of the BGA may offer insurance Footnote on page/slide: Indices are unmanaged, not available for direct investment, and not subject to management fees, transaction costs or other types of expenses that an account may incur. Footnote on page/slide: This hypothetical is for illustrative purposes only. Tax calculations have been simplified for illustrative purposes and do not take into account any tax attributes that may affect a taxpayer's particular situation (for example state and local taxes, marital status, exemptions or other withholdings, such as flexible spending accounts). PNC does not provide tax advice. Consult with your tax and legal advisors regarding your individual situation. Footnote on page/slide: [PNC] does not provide legal, tax or accounting advice. The stories and accounts presented in these materials represent hypothetical scenarios and are intended for illustrative purposes; the persons described are fictional and not actual clients, but the scenarios are intended to reflect typical and/or previously experienced client situations. Actual client experiences and outcomes may vary and future performance or success is not guaranteed. Revised November 2020 Page 7 of 14 products and advice. In effecting your insurance transaction, the BGA and its agents represent the issuing insurance company as an appointed agent. The BGA will receive compensation for any insurance transaction that it places for you. The compensation that PNCIS or PNCI receives from the BGA will be dependent on the type of insurance product sold and the relationship that the BGA has with the companies issuing the insurance products you purchase. Different types of insurance products, and different insurers, may provide different compensation amounts and structures. The insurance compensation paid to the BGA and PNCIS for nonvariable life, long term care, and disability insurance products or PNCI for variable insurance products by the insurance companies will be in addition to the fees that you pay to PNC Bank under your investment management agreement or other governing instrument that are related to insurance assets. Affiliates of PNC Bank and PNCIS or PNCI may receive separate and additional compensation for investment advisory or other services provided to funds that may be included as investment choices underlying variable life insurance products. Under their incentive compensation programs, Insurance Strategists or other members of the PNC Private Bank or PNC Private Bank Hawthorn teams may receive incentive credits or other discretionary credit related to insurance transactions. The incentive credits or discretionary credit could, along with a number of other factors, lead to incentive compensation payments to Insurance Strategists or other PNC Private Bank or PNC Private Bank Hawthorn team members. PNC Private Bank and PNC Private Bank Hawthorn team members will not receive any direct commission split based on any insurance transaction that you enter into through the BGA. The compensation described above related to insurance transactions creates a conflict of interest between PNC Bank’s fiduciary duty to you, if you are an investment management client or a settlor or beneficiary of a trust of which PNC is a trustee, and the financial benefits that PNC Bank, PNCIS or PNCI and the Insurance Strategist or other PNC Private Bank or PNC Private Bank Hawthorn team members receive that relate to those insurance transactions.
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.