Personal Finance
Personal Finance
Quick Switch FAQs

ABOUT PNC Bank's Quick Switch CENTER

USING PNC Bank's Quick Switch CENTER

DIRECT DEPOSIT

AUTOMATIC PAYMENTS

CLOSING OLD ACCOUNTS

KEEPING TRACK OF WHAT I HAVE DONE USING THE "MY LETTERS" SECTION OF Quick Switch

SECURITY AND PRIVACY

UPDATING MY INFORMATION

What is PNC Bank's Quick Switch Center?
PNC Bank's Quick Switch Center makes it easy for you to switch all your banking services to PNC Bank once you have opened your PNC Bank checking, savings and/or money market account. Using the PNC Bank Quick Switch Center, you can create the necessary letters to switch your direct deposits; switch or cancel automatic payment arrangements; and close your old accounts. Since the Quick Switch Center resides in PNC's secure Online Banking Website, the Quick Switch Center can pre-fill certain information from your bank file - this means less work for you.

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Is there a fee to use PNC Bank's Quick Switch Center?
There are no fees to use this service - it is provided free to PNC Bank customers.

Do I need to have a PNC Bank account to use PNC Bank's Quick Switch Center?
Yes, you need to open a PNC Bank checking, savings and/or money market account to access PNC Bank's Quick Switch Center. The Quick Switch Center is accessible through PNC's secure Online Banking website.

You can open an account at any of PNC's conveniently located branches. Click here for branch locator.

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Is there any other way I can switch my accounts besides using the on-line Quick Switch Center?
PNC Bank provides you with options on how to switch your accounts and banking services. PNC's on-line Quick Switch Center makes it easy for you to take care of your switching needs - it requires less work since it pre-fills certain information and saves information you've entered. It is a secure site; and you can return to the Center as often as you like to edit letters or create new letters.

We also offer an employee assisted Quick Switch service through all our branches or at 866-QUIK-PNC (866-784-5762). As long as you have all the information needed to switch direct deposits, or to cancel or switch automatic payments, or to close your old bank accounts, our Financial Service Representatives will be able to create the letters you will need to make these changes. Just stop in to any of our branches to set up an appointment. Or call 866-QUIK-PNC (866-784-5762) and a representative will create the necessary letters for you to sign and mail.

PNC makes it easy for you to handle the switching process - it is really your personal preference as to which switch tool you use.

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How do I access PNC Bank's Quick Switch Center?
If you have a PNC Bank checking, savings and/or money market account, you will be able to access PNC Bank's Quick Switch Center. The Quick Switch Center is accessible through PNC's secure Online Banking website. If you have just opened your PNC Bank checking, savings or money market account, you will have access to Online Banking 3 business days after you opened your account(s).

How long will my Quick Switch information be saved?
Information you enter will be saved for 4 months from the date you last accessed the Quick Switch Center to create/save, edit or generate a letter.

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Who do I contact if I have questions or problems while using PNC Bank's Quick Switch Center?
You may call 1-866-QUIK-PNC (1-866-784-5762) if you have any questions or problems while using the Quick Switch Center.

What is direct deposit?
Direct deposits (also known as ACH credits) are a quick, easy and secure way to have funds, such as your paycheck or any other recurring payments, automatically credited to your PNC Bank checking, savings, or money market account.

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What are the various sources of funds that can be directly deposited to my account?
Many different types of checks or deposits can be set up to be directly deposited - your paycheck, pension or retirement payments, government benefits, investment dividends - to name a few. If you currently have these funds deposited to your old account, the Quick Switch Center makes it easy for you to request the switch of a direct deposit to your PNC Bank account.

Can I have a direct deposit made into any type of account I have at PNC Bank?
Direct deposits can be made into your PNC Bank checking, savings or money market account.

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How do I switch my Social Security Payment, Veteran's Benefits, Military Pay, Railroad Retirement Benefits, Federal Salary, or other US Government payments?
In most cases, you have two options:

1. Generally, the fastest and easiest way to switch U.S. Government Payments is by phone.

Listed below are toll-free numbers for various U.S. Government agencies that can assist you with changing, or starting, a direct deposit of a Federal check:

Social Security Administration 1-800-772-1213
Office of Personnel Management 1-888-767-6738
Railroad Retirement Board 1-800-808-0772
Department of Veterans Affairs 1-877-838-2778 or 1-800-827-1000

2. If you would prefer to use the Government Direct Deposit form to switch your payment click here and follow the directions provided.

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Can I have more than one direct deposit credited to my account?
Yes. Almost any recurring payment can be set up for direct deposit, such as pension benefits, retirement payments, etc. Contact the company or agency sending you these payments to determine if direct deposit is an option they provide. You can use the Quick Switch Center to create switch letters for all your direct deposits.

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Can I split the funds from my direct deposit into multiple accounts?
Yes. If your direct deposit company or agency supports this as an option, you can split your deposit into two PNC Accounts. Using the Quick Switch Center, you can select the option that will create a letter instructing the company or agency to split the deposit into the two PNC accounts you specify.

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What information do I need to provide to create a letter to switch my direct deposit to my PNC Bank account?
You will need to provide the name and address of the company or agency that issues your payment and you will be asked to select your PNC Bank account(s) into which you would like to have the funds deposited. The Quick Switch Center will automatically provide any other information needed to create your direct deposit switch letters.

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Why is my Social Security Number necessary on my direct deposit switch letters?
This is generally required by companies or agencies offering direct deposit as a means of identification.

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The social security number (SSN) displaying on my direct deposit switch letter is incorrect How do I change it?
If the SSN displayed is incorrect, please call 1-888-PNC-BANK, or contact your PNC branch to Have your SSN corrected.

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Why is it recommended that I include a voided PNC Bank check with my direct deposit switch letters?
This can help to accelerate your request to change or redirect your direct deposit. Your voided check from your PNC Bank account will enable the company/agency to verify your PNC Bank account number and routing number, which are printed on your checks, in case there is a question. (You can void a check by writing "VOID" in large print across the front of the check.)

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How long does it take to switch my direct deposit to my PNC Bank account?
It may take the company or agency that is paying you up to three payment periods to make the switch you've requested.

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How can I verify that my direct deposit has been switched to my PNC Bank account?
The easiest way to check whether your direct deposit has been switched is to check your PNC Bank account through PNC Bank Online Banking at www.pncbank.com. Another way to check is by reviewing your monthly account statement.

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Who should I contact if my direct deposit switch has not been made?
Contact the company or agency that is the source of your direct deposit if the switch has not been made within three payment periods.

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Is there a fee to have funds directly deposited to my PNC Bank account?
PNC does not assess a fee to have funds directly deposited to your PNC Bank accounts.

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What if the company or agency that pays me requires the use of their own form to switch my direct deposit?
While many companies and employers will accept your request to switch your direct deposit by using the letters the Quick Switch Center provides, some may have their own form, and may ask you to submit it to the bank for approval. In that situation, PNC Bank will review and agree to or modify the terms before the direct deposit to your account can begin.

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What are automatic payments?
Automatic payments (also known as ACH debits) are a convenient way to ensure that your bills are paid automatically and on time. You authorize specific billing organizations (such as your electric utility company) to deduct from your account the payment amount due, on the date you specify.

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Does PNC Bank offer any alternative to automatic payments, such as on-line bill payment?
Absolutely. Actually, there are two other automatic payment options available to PNC customers:

1. Using PNC Bank's FREE on-line web bill payment service, called PNC Bank Online Bill Payment, you can set up transactions that recur automatically. And with Web Bill Payment, you're in charge. You set the schedule for the automatic payment. And you can cancel it at any time with just a few clicks. In fact, our free Web Bill Payment is a quick and easy way to pay all your bills. View a demo today.

2. Automatic Bill Payment with your PNC Bank Visa Check Card is another option. This is another convenient way to pay recurring bills - providing you control over your finances, while enabling you to earn reward points if you enroll in the Visa Extras program. To learn more about automatic bill payment using your PNC Bank Visa Check Card and to determine if your merchants and service providers participate in this program, click here.

To learn more about the Visa Extras program, click here.

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How long does it take to switch or cancel an automatic payment?
It can take the billing organization that receives your payment up to three billing periods to switch your payment to your PNC Bank account or to cancel the automatic payment arrangement all together.

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Is there a fee to have automatic payments deducted from my account?
PNC does not assess a fee to have automatic payments deducted from your PNC Bank accounts.

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Can I have my automatic payments deducted from my savings account or money market account?
Yes, but a Federal Regulation limits the number of automatic payments that can be made from savings and money market accounts. See your Account Agreement for Personal Checking and Savings Accounts or call us at 1-866-QUIK-PNC (1-866-784-5762) for further information.

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What information do I need to provide to create a letter to switch or cancel my automatic payment?
When using the Quick Switch Center, you will need the following information to create a letter to switch or cancel an automatic payment:

The Quick Switch Center will automatically provide any other information needed to create the letter to switch or cancel your automatic payment.

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Where do I find the account number and routing number for my old bank account? And what is a routing number?
These numbers are located on every check. Note that a colon (:) separates the two numbers. Use the illustration below as your guide.

The 9-digit routing number (also known as an ABA number, or a Routing Transit Number) is the uniform standard used in the United States to identify the specific bank on which a check is drawn, or the bank where an account is located.

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Why is it recommended that I include a voided PNC Bank check with my automatic payment switch letters?
This can help to accelerate your request to change your automatic payment. Your voided check from your PNC Bank account will enable the billing organization to verify your PNC Bank account number and routing number, which are printed on your checks, in case there is a question. (You can void a check by writing "VOID" in large print across the front of the check.)

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How can I verify that my automatic payment has been switched or canceled?
Check your old bank statement to verify that the payment is no longer being deducted from your old bank account. If you have requested that your automatic payment be switched to your PNC Bank account, you can verify that the payment is being deducted from your PNC Bank account through PNC Bank Online Banking at www.pncbank.com, or by reviewing your monthly PNC Bank account statement.

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Who should I contact if my automatic payment switch or cancellation has not been made?
Contact the billing organization if your request has not been processed within three billing cycles.

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Can I change or cancel my automatic payment by going to my billing organization's website?
Since processes vary from company to company, you will need to contact your billing company to determine if this is an option. Generally, if you originally set up your automatic payment using the billing company's website, you should be able to use their website to modify your payment instructions.

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What do I need to do before I close my old account(s)?
Stop using your old account, but keep enough money in your old account to cover any outstanding checks, any automatic payments or transfers. Stop using your old bank's ATM/Debit Card. Use PNC Bank's Quick Switch Center to switch any direct deposit arrangements and to switch or cancel any automatic payments.

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When should I close my old account(s)?
You are ready to close your account once you are able to confirm that all of the following have occurred:

Use the PNC Bank Quick Switch Center to create the letters you need to close any accounts you have with any former banks.

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If I have more than one account that I need to close at my old bank, can I do that in one letter or do I have to create a letter for each account?
If you are the owner of more than one checking, savings and/or money market account at one bank, you should be able to create one letter instructing your old bank to close the accounts you specify. Using the Quick Switch Center's "Close Old Accounts" function, select the option to close multiple accounts at a single bank. This letter format will allow you to request the closure of up to eleven accounts at one bank.

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How long will it take for my old bank to close my account(s)?
Processes vary from bank to bank. Some banks may require additional forms or information. If within 3 weeks you do not hear from your old bank, or if you do not receive your check for the account balance(s), contact your old bank.

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Can I use the Quick Switch Center to close my Certificates of Deposit at my old bank?
Generally, different banks have different processes to manage Certificate of Deposit accounts. The first step would be to check the maturity dates on your Certificates of Deposit. Then verify with your old bank about any possible early withdrawal penalties and inquire as to the process by which you can close your Certificates of Deposit. If your old bank will accept a letter to close your Certificate of Deposit, you can use the "Close Old Accounts" function in PNC Bank's Quick Switch Center to create a close account letter.

PNC offers a variety of Certificates of Deposit at competitive interest rates. You can check our product offerings and interest rates through our website or by clicking here.

You can also call us at 1-888-PNC-BANK to learn more about our Certificates and current interest rates.

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Can I use the Quick Switch Center to close my Individual Retirement Account (IRA) at my old bank?
Individual Retirement Accounts (IRAs) are subject to different rules than other types of bank accounts. PNC has a team of knowledgeable experts who can guide you through this process. Call us at 888-762-4727 (888-PNC-IRAS) to have a representative from our Retirement Services team assist you.

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There is nothing in the "My Letters" section of Quick Switch - why is that?
The "My Letters" section of PNC Bank's Quick Switch allows you to track any letter your have either generated (printed) or saved for future completion. There will be no information displayed in this section until you have generated or saved a letter.

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What is the difference between the status of "generated" and "saved"?
When you are creating a letter using Quick Switch, you are presented with "buttons" at the bottom of the screen to either "SAVE" or "GENERATE LETTER".

If you select "SAVE", the letter will not generate/print, but all the information will be retained so that you can return later to complete and print the letter. This letter file will appear on the "My Letters" section with a status of "Saved", showing the date saved, the type of letter and the name of the recipient/addressee. To resume working with the letter, you merely need to click on "Edit" so that you can complete and generate the letter.

If you select "GENERATE LETTER", the letter will be created and available for you to print. This letter will now be recorded in the "My Letters" section with a status of "Generated" - showing the date generated, the type of letter and the name of the recipient/addressee. Click on the icon in the View/Print column to view (and print) the letter originally created.

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I created/printed a letter and then realized I made a mistake on some information I provided - can I edit this letter?
If you already created a letter and it shows a status of "Generated" in "My Letters", you will not be able to edit the letter from the "My Letters" section of Quick Switch. Instead, go to the appropriate letter section (Direct Deposits, Automatic Payments or Close Old Accounts) and select the letter type you want. Information you previously entered can be retrieved using the drop down lists and you will not need to reenter this information. You can edit/change information as needed and then select "GENERATE LETTER" - the system will create a new letter. Your "My Letters" section will now record a second letter.

For example, you originally printed a letter to your electric utility company. Several days later you realize that you sent the letter to an incorrect address. You use the Quick Switch Center to create another automatic payment switch letter to the electric company and you update the address Quick Switch has saved. You print and mail the second letter to the electric company. Your "My Letters" section will now show two letters to the electric company - same letter type, but with different dates.

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Can I view and print a letter previously generated?
Yes. You can reprint any letter displaying a status of "Generated" in your "My Letters" section of Quick Switch.

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How long will my Quick Switch Center remain active and allow me to access copies of letters?
Information you enter will be saved for 4 months from the date you last accessed the Quick Switch Center to create/save a letter, generate a letter or edit a letter.

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Is my information secure?
PNC Bank's Quick Switch Center is only accessible through the PNC Bank Online Banking System, which is a secure website. Your accounts and information are protected by PNC's high level of security technology (e.g. encryption, authentication, firewalls, etc.).

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When I am creating letters in Quick Switch, the system displays information on my accounts, my direct deposit, my billing organizations, etc. - where is PNC Bank getting this information about me?
PNC Bank's Quick Switch Center resides in PNC's secure, on-line banking website - PNC Bank Online Banking. As a user, you have to sign onto Online Banking with your User ID and Password for security purposes.

Once you are in your personal Online Banking site, we provide you with information on all your eligible accounts at PNC and information you provided to us at account opening. This way, when you are using the Quick Switch Center in Online Banking, we can provide you with the necessary information on your eligible accounts (account numbers, routing numbers), so that you don't have to look up or type in this information. We also provide your address, phone number (and Social Security Number if required) so that you don't need to key in this information either.

Additionally, as you create your switch letters and type in information about your old bank information, or about your billing organizations, etc., the Quick Switch Center is saving that information so that if it is needed again for another letter, you do not need to retype it.

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What does PNC Bank do with the information I add into the Quick Switch Center?
Nothing, PNC Bank does not share this information and it is deleted after 4 months of inactivity.

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When I am creating a switch letter in the Quick Switch Center, the system displays an address and phone number for me - where is this coming from?
The address and phone number the Quick Switch Center displays is the information we have on file for you and is based on information you've provided to us.

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When I am creating a switch letter in the Quick Switch Center, the system is allowing me to change my address and phone number - - if I do, will this automatically update and change PNC Bank's official records?
No. We allow you to enter a different address and/or phone number for the purposes of the letters only - the information you type in will not update PNC Bank's official records. For example, you may prefer that you be contacted at your work phone number should the recipient/addressee need to contact you. You can put that phone number on your switch letter, but PNC Bank's official records will not change.

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If my address and/or phone number have changed (or are incorrect), how do I notify PNC Bank to change its records?
You can verify and modify the addresses we have on file for each of your PNC Bank accounts through PNC Bank Online Banking. Click on My Information on the top Online Banking navigation bar and then click Account Addresses on the left navigation bar. The "Modify Account Addresses - Account Selection" page will display. From here you can verify the address on each account and modify as needed.

You can also verify and modify the telephone numbers we have on file for you through PNC Bank Online Banking. Click on My Information on the top Online Banking navigation bar and then click Telephone Numbers on the left navigation bar. The "Modify Telephone Numbers" page will display. From here you can verify the home and business telephone numbers we have on file for you and modify as needed.

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