Debt Consolidation Information: The benefits of a Choice HELOC for debt consolidation depend on your individual circumstances. Because a Choice HELOC may have a longer term than some of the debt you may be consolidating, you may not realize a savings over the entire term of your new Choice HELOC.
Earn rate discounts and quarterly cash rewards on your Choice Home Equity Line of Credit balance.
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
Choice Home Equity Line of Credit
Always available to PNC clients.
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
Rewards That Grow With You
How It Works
Enroll today to unlock Choice Home Equity Line of Credit cash rewards on top of the rewards you already earn.
Calculate Your Quarterly Cash Rewards
See how much you could earn each quarter with PNC TotalRewards.
Frequently Asked Questions
The reward total is recalculated every quarter and the calculation only considers the days during the quarter that your Select Tier benefits are activated. Your Cash Rewards will be deposited into your Designated Account on or around the fourth business day in April, July, October, and January.
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.
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.
Explore More About TotalRewards
PNC TotalRewards is how we reward you on your own terms. The more you do, the more your benefits grow.
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Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
Refinancing at a longer repayment term may lower your mortgage payment, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your mortgage payment, but may lower the total interest paid over the life of the loan. Contact us to discuss the option that best meets your needs.
Important Notice to Servicemembers and Their Dependents. If you are currently eligible for benefits provided by Servicemembers Civil Relief Act (SCRA), refinancing current debt may not be beneficial.
PNC is a registered 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.
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• 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
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PNC Wealth Management and PNC Insurance Services do not provide legal, tax, or accounting advice.
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