Private Banking
PNC Wealth Management® understands the unique challenges faced by families of wealth. That's why we offer dedicated Private Banking 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 Wealth Management 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
Private Banking
Checking
We're making wealth banking simple by offering straightforward, interest-bearing, cash management solutions.
Private Banking
Money Market
Our Money Market solution offers the ability to earn a premium interest rate while maintaining easy access to your funds.
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.
Residential
Residential Real Estate Lending
Home lending solutions tailored to high and ultra-high net worth borrowers, with preferred pricing for clients of Wealth Management or Hawthorn.
Real estate financing can be a key component to building and managing your wealth. Our experienced Wealth Management 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: 10/30 interest-only, 30-year, 20-year and 15-year fixed
- ARMs: 10/1, 7/1 and 5/1 ARMs and interest-only ARMs
In addition, you can receive a relationship discount on your mortgage rate if you hold aggregate deposit and investment management assets of at least $500,000 with PNC Wealth Management or 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.
Securities-Based
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
Specialized Lending
Custom financing solutions for the unique needs of high and ultra-high net worth borrowers.
Banking with PNC Wealth Management or 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
- Qualified Replacement Property (QRP) / 1042 Exchange Lending
- Unsecured / Personal Lending
- Interest Rate Swaps
- Custom Credit
INSIGHTS
Markets & Economy
Looming Tax Bill?
A securities-based line of credit helps provide liquidity without disrupting your investment strategy.
4 min read
Transferring Family Wealth
Gift Planning: The Case for Using Debt to Transfer Wealth
A securities-based loan may be an effective tool in transferring wealth to future generations, often in a tax advantaged way.
3 min read
Markets & Economy
Tax Efficient Borrowing Strategies
There are many considerations to weigh when structuring debt as part of a tax efficient strategy.
4 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 80+ Wealth Management
offices across 18 states.
Private Banking Contact Form
Please provide some information about yourself so that a Banking Advisor can get in touch soon and best assist you.
Putting You First
Our Commitment. Your Legacy.
Earning the privilege to be your trusted advisor is not something we take lightly. So no matter where you are in life, we are committed to helping you make decisions today that will shape the future you want tomorrow.
Important Legal Disclosures & Information
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A supported mobile device is needed to use Mobile Banking. Standard message and data rates may apply.
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Please consult your tax advisor.
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PNC Wealth Management Jumbo Mortgage Relationship offer may be modified or discontinued at any time. To be eligible, you must have or establish a PNC Wealth Management 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.
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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
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.
The PNC Financial Services Group, Inc. (“PNC”) uses the marketing name PNC Wealth Management® 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 Wealth Management,” is a registered mark of The PNC Financial Services Group, Inc.
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).
Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value.
Insurance: Not FDIC Insured. No Bank or Federal Government Guarantee. Not a Deposit. May Lose Value.
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.
