A rate discount for establishing and maintaining automated payment (autopay) from a PNC checking account is available for direct auto loans and CHELOCs. A direct auto loan is a loan opened by applying through pnc.com, by phone or at a PNC branch. Automated payment must be set up at loan closing to qualify for the discount. If automated payment is discontinued at any time, you may no longer receive an automated payment discount and your rate will increase 0.25%

Eligible PNC consumer deposit accounts receive expanded fee benefits that consist of discounts and reimbursements of certain fees. The fee benefit will be applied to your eligible PNC deposit account if you are a primary or secondary account owner on an eligible account and your Select Tier benefits are activated when the fee is charged. Program fee benefits cannot be combined with product-specific fee benefits of the same type. If there are multiple owners on an account and the owners are in different Select Tiers, the benefits for the highest Select Tier will be applied to the account.

The interest rate boost applies to standard rates on eligible PNC consumer savings and money market accounts. Your eligible accounts will receive an interest rate boost if you are a primary or secondary account owner and your Select Tier benefits are activated when the interest is calculated. If there are multiple owners on an account and the owners are in different Select Tiers, the benefit for the highest Select Tier will be applied to that account. Savings and money market accounts with fixed or variable promotional rates are ineligible for the interest rate boost. If your rate returns to the standard rate, your interest rate boost will be applied automatically, and no further action is required on your part.

The credit card benefit is available on purchases made with an eligible PNC credit card account when Select Tier benefits have been activated at the time the bonus is calculated. In order to receive the credit card benefit, the credit card account must be in good standing at the time that the benefit is calculated. To be in good standing, the account must not be revoked, greater than 60 days past due, charged off, or in bankruptcy status. The bonus is calculated at the beginning of each calendar quarter on or around the fourth business day by multiplying the bonus percentage times the Base rewards added to your credit card rewards balance during the prior calendar quarter. Base rewards are rewards earned under the standard reward program associated with the eligible credit card account. Base rewards do not include rewards earned under any introductory or other promotional program or offer, including rewards earned under this TotalRewards Program or the PNC Purchase Payback Program.

A cash bonus is available for newly established, eligible PNC Wealth Management managed accounts of U.S. permanent residents, excluding the Capital Directions Annuities Program ("Managed Accounts"), with a qualifying initial deposit. Deposits into a Managed Account must be completed within 60 calendar days of new account opening and the Managed Account Bonus will be credited within 120 calendar days of account opening. The Managed Account Bonus will be applied only to the Managed Account for which the net deposit was calculated. The Managed Account must be open at the time that the net deposit is calculated in order to receive the Managed Account Bonus and the net deposit amount (less market losses, if any) must be maintained in the Managed Account at PNCI for at least 12 months or PNC Wealth Management may charge back the value of the Managed Account Bonus. If opening more than one Managed Account, each Managed Account will be considered separately for payment of the Managed Account Bonus. Deposits made into multiple Managed Accounts will not be aggregated to reach a higher bonus range. Initial deposits transferred from an existing PNC Wealth Management managed account into a Managed Account are not eligible for the Managed Account Bonus. This offer is not transferable, sellable or valid in conjunction with certain other PNC Wealth Management offers. Managed Account Bonus awards of $2,000 or more made into taxable accounts within a calendar year will appear on your consolidated Form 1099. The $2,000 reporting threshold will be adjusted for inflation beginning in 2027. A Managed Account Bonus made to an Individual Retirement Account (“IRA”) will not appear on the consolidated Form 1099 report. Consult with a tax advisor about appropriate tax reporting and treatment relating to the deposit of the Managed Account Bonus into an IRA.

The auto loan benefit applies to eligible new or existing PNC auto loans when Select Tier benefits have been activated at the time of benefit calculation. In order to receive the auto loan benefit, the account must be in good standing at the time that the benefit is calculated. To be in good standing, the account must not be greater than 60 days past due, charged off, voluntarily or involuntarily repossessed, or in bankruptcy status. The benefit is paid at the beginning of each calendar quarter to a designated PNC deposit account and is calculated based on your activated Select Tier benefits on the last calendar day of the prior quarter. The auto loan benefit will only be earned for the time period during the calendar quarter that your Select Tier benefits are activated. The benefit is a percentage of your average daily principal loan balance for the quarter. The calculation of your average daily principal loan balance for the quarter begins by determining your monthly average balances for the quarter. The monthly average balances are calculated by adding your average daily principal loan balance for each day in the month that your Select Tier benefits are activated and dividing that sum by the number of days in the month. Your average daily principal loan balance for the quarter is calculated by adding the monthly average balances together and dividing that sum by the number of months in the quarter.

The Choice Home Equity Line of Credit (CHELOC) benefit applies to eligible new PNC CHELOCs when Select Tier benefits have been activated at the time of the new loan’s origination. For eligible existing PNC CHELOCs, the benefit is available when Select Tier benefits have been activated or reactivated within 90 days of the existing loan’s origination. In order to receive the CHELOC benefit, the account must be in good standing at the time that the benefit is calculated. To be in good standing, the account must not be revoked, greater than 60 days past due, charged off, or in bankruptcy status. The benefit is paid at the beginning of each calendar quarter to a designated PNC deposit account and is calculated based on your activated Select Tier benefits on the last calendar day of the prior quarter. The CHELOC benefit will only be earned for the time period during the calendar quarter that your Select Tier benefits are activated. The benefit is a percentage of your average daily principal loan balance for the quarter. The calculation of your average daily principal line balance for the quarter begins by determining your monthly average balances for the quarter. The monthly average balances are calculated by adding your average daily principal line balance for each day in the month that your Select Tier benefits are activated and dividing that sum by the number of days in the month. Your average daily principal line balance for the quarter is calculated by adding the monthly average balances together and dividing that sum by the number of months in the quarter.

The mortgage benefit applies to new, eligible PNC-originated consumer purchase or refinance mortgages when you are enrolled in a Select Tier on or before the loan funding date. The one-time benefit is paid into a designated PNC deposit account on or about the first business day following the 90-calendar-day period after loan funding. Your benefit amount is not subject to adjustment and your mortgage account must remain open at the time of benefit delivery.

When enrolled in the Gold or Platinum tier, eligible PNC Wealth Management accounts will receive a bonus on the PNCI Bank Deposit Sweep Program ("BDSP") interest rate (“Rate Boost”) earned on unallocated cash swept into the BDSP. The Rate Boost increases the rate applied to unallocated cash balances. For example, with a hypothetical BDSP interest rate of 1.00%, a Platinum Rate Boost would increase the BDSP interest rate by 30% to 1.30% (1.00% x 0.30 + 1.00% = 1.30%). Note that this example is a hypothetical rate and does not reflect current BDSP program rates. The Rate Boost is applied and aggregated monthly with the BDSP interest and disclosed as one entry on PNC Wealth Management account statements. When there are multiple account owners on a PNC Wealth Management account and the owners are in different Select Tiers, the Rate Boost of the highest Select Tier is applied. Current BDSP program rates and disclosure can be accessed on PNC’s public site. Silver Tier Program members do not receive the Rate Boost.

PNC Wealth Management charges an annual service fee to applicable brokerage accounts as described in the PNC Wealth Management Overview of Products and Services. An annual service fee waiver is applied to eligible PNC Wealth Management brokerage accounts of a primary or secondary account owner enrolled in the Gold or Platinum tier on or before September 1st of the applicable year. Silver tier Program members do not receive the annual service fee waiver.

A Qualifying Checking account is any PNC consumer checking account on which you are an owner or co-owner. Small Business and Commercial Banking checking accounts are not Qualifying Checking accounts.