Resolving Fraud

With PNC Security Assurance, we stand ready to help guide you every step of the way and get your credit, identity and account information restored as quickly and completely as possible to minimize damages.

  • Online Banking and Bill Pay Guarantee - You're covered - 100% - for any verified, unauthorized online transactions, when notifying us promptly, or failure on our part to meet a payment deadline.
  • Zero Liability - Use your PNC debit [1] and credit cards with confidence. They're protected - 100% - from verified, unauthorized purchases due to fraud or identity theft.
  • Identity Theft Reimbursement Insurance - Everyday, personal information is stolen from innocent people for the purpose of fraudulent use. Their credit can be ruined and their bank accounts wiped out. If you become a victim of identity theft or fraud, Identity Theft Reimbursement Insurance can help you recover some of the costs involved in clearing your name. Performance and Performance Select personal checking customers receive coverage up to $5,000 and $10,000, respectively at no cost.
  • ID Theft Resolution Team - if you become a victim of fraud or identity theft involving your PNC accounts, our ID Theft Resolution Team will serve as a single point of contact to help you on your way to promptly restoring your identity and mitigating further losses.


If you think you've been a victim of fraud or identity theft, it is important to act quickly to minimize the damage to both your credit and your assets.

Online Fraud »
Offline Fraud »
Identity Theft »

Reporting Fraud

The sooner your report fraud or identity theft, the faster PNC, other financial institutions and the authorities can take steps to assist you. If you become a victim of fraud, do the following:

  • Call PNC and let us know your identity has been compromised or stolen.
  • Call any other financial institution(s) you deal with and make them aware of the situation.
  • Call your credit card companies and ask that access to your accounts be restricted. Open new accounts if necessary.
  • Check through your personal documents to determine what items are missing.
  • If checks are missing from your checkbook, issue stop payments on each check.
  • If your driver's license is stolen, call your local Department of Motor Vehicles office.
  • If your Social Security Card is stolen, call the Social Security Administration.
  • Ask to have your account numbers, PINs, and passwords changed immediately.
  • Ask your bank, brokerage firms and credit card companies to review transactions on all of your accounts.
  • File a report with the police and get a copy of it for your records.
  • Document what happened when and to whom you spoke.

If you have any questions or concerns about fraud or identity theft, call PNC Bank at 1-888-PNC-BANK.

Important Legal Disclosures and Information

  1. The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Notify PNC Bank immediately of any unauthorized use. For specific restrictions, limitations and other details, see your Cardholder Agreement and visit