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Select Tier Requirements
You need the following to be eligible to enroll in the Select Tiers of the PNC TotalRewards Program.
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PNC TotalRewards is how we reward you on your own terms. The more you do, the more your benefits grow.
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
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- Eligible PNC consumer deposit accounts will receive expanded fee benefits that consist of discounts and reimbursements on fees. Select Tier fee benefits cannot be combined with product-specific fee benefits of the same type.
- The interest rate boost applies to standard rates on eligible PNC consumer savings and money market accounts. Savings and money market accounts with fixed or variable promotional rates are ineligible for the interest rate boost.
- The credit card benefit is available on purchases made with an eligible PNC credit card that is in good standing. The bonus is calculated at the beginning of each calendar quarter.
- A Cash Bonus is available for eligible PNCI managed accounts. A qualifying initial deposit must be completed within 60 calendar days of account opening and the benefit will be calculated and credited within 120 calendar days of account opening.
- The Rate Boost increases the rate applied to unallocated cash balances in the PNCI Bank Deposit Sweep Program ("BDSP") for Gold and Platinum tier members. The Rate Boost is applied and aggregated monthly with the BDSP interest and disclosed as one entry on the PNCI account statements.
- An annual service fee waiver is applied to eligible PNCI brokerage accounts enrolled in the Gold or Platinum tier on or before September 1st.
- 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%
- The auto loan benefit applies to eligible PNC auto loans that are in good standing and is paid at the beginning of each calendar quarter to a designated PNC checking account.
- The Choice Home Equity Line of Credit (CHELOC) benefit applies to eligible PNC CHELOCs that are in good standing and is paid at the beginning of each calendar quarter to a designated PNC checking account.
- The mortgage benefit applies to eligible PNC-originated consumer purchase or refinance mortgages. The one-time benefit is paid on or about the first business day following the 90-calendar-day period after loan funding.
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.
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PNC Bank, National Association.