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Turn Boring Financial Moves Into Brilliant Rewards
Rewards That Grow With You
PNC TotalRewards is how we reward you on your own terms. The more you bank with us, the more your rewards grow.
Everyday Benefits and Select Tiers
Watch your rewards stack up as you grow your relationship with PNC
- Everyday Benefits
- Silver Tier
- Gold Tier
- Platinum Tier
Everyday Benefits
Always available to PNC customers.
Silver Tier
$25,000 - $99,999
Average Eligible Balance
Gold Tier
$100,000 - $499,999
Average Eligible Balance
Platinum Tier
$500,000+
Average Eligible Balance
Total Up Your Rewards
Discover how your rewards could add up.
Select Tier Requirements
You need the following to be eligible to enroll in the Select Tiers of the PNC TotalRewards Program.
Don't have a PNC Checking Account Yet?
Plan to Grow With Us
Frequently Asked Questions
Once enrolled, you will keep your Select Tier and Program benefits for at least a year if you maintain a Qualifying Checking account. Annually, on your enrollment anniversary, we will evaluate your 90- calendar-day Average Eligible Balance to determine if you meet the requirements for your current Select Tier. If you don't, you'll be notified, and we will give you a 3-calendar-month Grace Period to increase your Average Eligible Balance to meet the requirements. At the end of the three-month period, if you still don't meet the Average Eligible Balance requirement, we will place you in a new tier or unenroll you from the program and notify you of the change.
You can learn more about the program benefits that are available to you when you visit PNC.com/TotalRewards. For information on which program benefits you are currently earning based on the accounts you own, view your Rewards Overview in Online and Mobile Banking, review your account statement for rewards transactions, call 1-888-PNC-BANK (1-888-762-2265), or visit your local branch.
Most Fee benefits are reimbursed the business day after the fee is charged. This depends on the product:
• ATM fee benefits, Savings benefits, and PNC Investments Sweeps Rate Boost are issued at the end of your statement cycle.
• Auto Loan, CHELOC, and Credit Card benefits are issued quarterly.
• PNC Investments Annual Fee Waiver is applied annually.
• Mortgage benefits are issued 90 days after loan funded + 1 business day.
• PNC Investments Cash Bonus for new managed accounts is issued within 90 days of new managed account deposit confirmation (applies only to Gold and Platinum Tiers).
For a complete list, check the PNC TotalRewards Terms and Conditions. Generally, the following products have rewards:
• All PNC consumer checking products
• Select savings products
• Existing and New Auto Loans
• Eligible Existing and New CHELOC
• New or Refinanced Mortgages
• Select credit card products
• New eligible PNC Investments managed account deposits made within 60 calendar days of account opening are credited the Cash Bonus within 90-calendar-days of confirmation of the total qualifying net deposit
Get In Touch
Refer to the Program Terms and Conditions for more information.
All loans and deposit products are provided by PNC Bank, National Association, Member FDIC. Loans are subject to credit approval. Certain restrictions and conditions apply.
Important Investor Information: Brokerage and insurance products are:
• NOT FDIC INSURED
• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, PNC BANK, N.A. OR ANY OF ITS AFFILIATES
• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Securities products and brokerage services as well as managed account advisory services are offered by PNC Wealth Management LLC, a registered broker-dealer and a registered investment adviser and Member FINRA and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency (CA License #0B57695).
PNC Wealth Management and PNC Insurance Services do not provide legal, tax, or accounting advice.
©2025 The PNC Financial Services Group, Inc. All rights reserved.
PNC Bank, National Association.