HOW DOES IT WORK?
PNC Online Banking
Pay your mortgage online using PNC Online Banking. It's free, secure and easy to use.
With the Transfer Funds feature you can schedule payments from PNC accounts or accounts at other banks. Or use Online Bill Payment to set up a payment from a PNC checking account.
Pay your mortgage from your checking/savings account, including accounts at other banks using the Transfer Funds feature within Online Banking.
- Same day, future dated or recurring* payments are available. Same day payments scheduled before midnight ET are posted (credited) effective that day.
The recurring payment amount automatically adjusts if your monthly mortgage amount due changes.
How do I make a payment using Transfer Funds?
- Log in to Online Banking > Not using Online Banking? Enroll Now!
- Click the Transfer Funds tab and choose PNC Accounts and Payments.
- Select a 'From' account. If you're making a payment from a non-PNC account, you'll need the bank routing number and account number to add the external account.
- Select your mortgage as the 'To' account.
- Enter your payment options and schedule your payment.
PNC Online Bill Pay
PNC Online Bill Pay puts you in control of your payments. Add PNC Mortgage to your list of payees through the Pay Bills tab in PNC Online Banking. Return each month to make your payment or set up recurring* payments for convenience.
- You determine when payments are made and how much to pay.
- Payments entered by 10:00 pm ET can be scheduled for the next business day.
- Payments can be scheduled up to a year in advance.
*The recurring payment amount will not automatically adjust to changes in your monthly mortgage amount due.
How do I make a payment using PNC Online Bill Pay?
Electronic Funds Transfer
Pay your mortgage using Electronic Funds Transfer (EFT) from any account, including accounts at other banks.
Schedule recurring monthly payments with EFT and stop worrying about missing deadlines.
An Electronic Funds Transfer (EFT) makes paying your mortgage even easier...
When you sign up for EFT on your PNC Mortgage loan, you'll save time because there are no checks to write, no payments to mail, and no coupon books to manage. And best of all, if you choose to have additional funds applied to the principal balance of your loan each month, you could save thousands in interest expense by paying off your mortgage faster!
Works with most financial institutions
Most financial institutions in the U.S. participate in the automated clearing house system, this allows PNC Mortgage, with your permission, to access your account for a payment each month.
Convenient and worry-free
Because it's automatic, you don't have to do a thing! Each withdrawal appears as a deduction on your financial institution's monthly statement. We will notify you of your first automated payment date, so be sure to continue making your payments on time until EFT begins.
Pay your mortgage using SpeedPay from any account, including accounts at other banks.
By logging into your account online or calling PNC Mortgage, you can make an immediate payment.
All SpeedPay transactions will require a $7 transaction fee, unless payments are made from PNC Bank accounts or are otherwise restricted by state law.
What Is SpeedPay?
SpeedPay is an easy-to-use online payment service that gives you the flexibility to make your monthly mortgage payments on your own terms. If you don’t want to commit to paying on the same date each month, SpeedPay may be the best option for you.
How much does it cost?
While SpeedPay does allow you flexibility, there is a fee associated with the payment method:
- $7 - for all SpeedPay payments made.*
If late charges are owed, they will be collected with each payment.
*Fee subject to change without notice.
*Unless payments are made with PNC Bank accounts or are otherwise restricted by state law.
By logging into your account online or calling PNC Mortgage at 1-800-822-5626, you can make immediate payment.
How do I get started?
- Get your check book and mortgage payment coupon book (you'll need your 10-digit loan number).
- Read the "Usage Agreement" thoroughly and click "OK."
- Access SpeedPay by entering your 10-digit loan number from your coupon book, and your Social Security number.
- Confirm the name of the account holder and enter the account number and routing number from your check.
Please do not include the check number when entering your account information, as it will cause your payment to be rejected and will delay the processing of your payment.
Mail Your Payment
Paying by mail
You’ll need to write your loan number on the appropriate documents and mail them.
Use the coupon in your coupon book or from your billing statement to make your monthly mortgage payments to PNC Mortgage. If you misplace your coupon book or billing statement, you can mail your payment to one of the following addresses:
WEST: AK, AZ, AR, CA, CO, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY
P.O. Box 54828
Los Angeles, CA 90054-0828
EAST: AL, CT, DE, DC, FL, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, PR, RI, SC, TN, VT, VA, WV, WI
P. O. Box 6534
Carol Stream, IL 60197-6534
Paying in branch
Payment is accepted in the PNC bank branch during normal branch hours and is effective as of the date payment is made, although it may take up to 2 business days for the payment to be reflected on your account.
Use the coupon in your coupon book or from your billing statement to make your monthly mortgage payments to PNC Mortgage and write your loan number on your check.
Helps you pay off your loan faster and reduce the total interest you will pay on your mortgage.
A draft in the amount of half of your monthly payment is made every 2 weeks and held in escrow. A payment is applied after there are sufficient funds to make a complete payment, resulting in 13 payments being made in a year.
What are bi-weekly payments and how can they benefit me?
The PNC Mortgage Bi-Weekly Draft Program helps you pay off your mortgage faster and reduce interest payments. You’ll make ½ of a monthly payment every 2 weeks, for a total of 13 monthly payments per year – instead of 12. Plus, this “extra” payment will automatically be applied to your principal balance, reducing the total interest you will pay on your mortgage, which will help you payoff your loan faster. The funds from your first ½ payment each month will be held in a non-interest bearing account, and will be applied once a full monthly payment is received.
How much does it cost?
There is no fee to enroll in the PNC Bi-Weekly Draft Program.
How do I get started?
Simply download the Bi-Weekly Draft Program Enrollment guide, then complete and return the enclosed form. This guide also contains more details about the program, including what happens after your enrollment form is submitted.