Important Updates for Our Customers About Coronavirus (COVID-19)


 

PNC understands the significant impact that the coronavirus pandemic is having on many of our consumer, small business and corporate and institutional bank customers. We continue to work with those impacted, providing a variety of solutions that make the most sense for meeting their particular needs.

In addition to these solutions, we recently have supported consumers and businesses with billions of dollars of incremental loans. The newly enacted federal Coronavirus Aid, Relief, and Economic Security (CARES) Act provides a variety of additional emergency relief programs for businesses (including the Paycheck Protection Program) and consumers (including Economic Impact Payments a.k.a. "stimulus checks"). Individuals may have received these funds on April 15, 22, 29 or 30 with additional funds expected in the future via direct deposit, as we receive them from the Treasury. We are actively working to operationalize these programs as quickly as possible so that we can further assist our customers in maximizing their relief under the Act’s provisions.

As we navigate these uncertain times together, the safety and well-being of our customers, employees and the communities we serve remains our top priority. We will continue to update this site on the steps PNC is taking to do just that.

Personal Customers

 

Economic Impact Payments

Eligible individuals may have received the payment on April 15, 22, 29 or 30, with additional funds expected in the future, via direct deposit into the same bank account reflected on the 2019 or 2018 return filed by the taxpayer. Eligible individuals who did not use direct deposit when filing may be receiving a paper check several weeks from now.

You can check on the status of your economic impact payment (stimulus check) through irs.gov/coronavirus/get-my-payment.

In response to the economic impact of the coronavirus pandemic, the federal government recently enacted the CARES Act. An economic impact payment is part of the CARES Act that will provide a one-time payment to eligible taxpayers.


To help make it easy for you, we’ve compiled an overview of the economic impact payment and some frequently asked questions.

PNC is ready to help our customers understand how to access their economic impact payment funds. Learn more about our safe, secure self-service options for monitoring your direct deposit through PNC Online Banking and depositing a paper check through our ATMs, Mobile Deposit app, and our drive-up branches.

Please note, it is easy to deposit your check with our mobile banking app. To view your deposit limits for today and the current month, look underneath the amount entry field when you select 'Deposit' in the app.


Frequently Asked Questions

We will continue to add additional information as we learn more details from the U.S. Treasury and the Internal Revenue Service. Check back frequently for updates.


Loans, Lines of Credit & Credit Card Assistance

Contact us online (fastest response time):

Consumer Loan
Hardship Request
Mortgage
Auto Loan
Credit Card (Personal or Business)
Home Equity Loan or Line of Credit
Personal Loan or Line of Credit


Hardship Assistance

If you are unable to make your payment, we may have options to help you navigate through this unprecedented time. Specifically, we will consider assisting those impacted customers by waiving or refunding fees associated with lending products, including credit card and mortgage. If you are concerned about making a consumer loan, auto loan, credit card or mortgage loan payment, we have a variety of programs available to assist you. Solutions may include the ability to postpone payments for a period of time.

  • You may be able to postpone your monthly payment with no late fees during the postponement period if you have one of the following products:
    • Auto Loan
    • Unsecured Installment Loan or Unsecured Line of Credit
    • Credit Card
    • Mortgage
    • Home Equity Loan or Home Equity Line of Credit
  • For Student Loans, you may be able to postpone payments with no late fees during the postponement period. We also have loan modification options available for those who qualify. Please go to www.aessuccess.org and once logged onto your account, select “having your payments postponed” to request assistance.

If you’re in need of additional funds, we are offering an emergency hardship loan available for qualified customers. You can contact us at the number below to request an emergency hardship loan.

We appreciate your business and hope if you require assistance during this difficult time that you contact us so that we can determine how best to help.  We’ve launched a form to make it easier to communicate with us, where you can describe your hardship we'll route it to the right team member to review.  Additionally, here is a list of phone numbers if you choose to call us with your request.

If you still have questions or concerns, please contact us by phone (due to the volume of requests from customers we are trying to help, you may experience slower response times):

Credit Card 1-800-558-8472 24 / 7
Mortgage 1-800-523-8654 Monday – Thursday: 8 a.m. – 9 p.m. ET
Friday: 8 a.m. – 5 p.m. ET
Saturday: 9 a.m. – 2 p.m. ET
Auto Loan
Home Equity Loan or Line of Credit
Personal Loan or Line of Credit
1-888-762-2265 Monday – Friday: 7 a.m. – 10 p.m. ET
Saturday & Sunday: 8 a.m. – 5 p.m. ET


Disputed Transactions

Customers are able to dispute purchases made using PNC credit and debit cards.  For transaction disputes related to travel and entertainment charges and cancellations (or any other disputed charge), we encourage you to consider first directly contacting the provider responsible for the disputed transaction. Many of these business are being flexible regarding changes and cancellations.


Special Notice for Customers with Automatic Deductions for Payments

Customers who have a monthly loan payment automatically deducted from their PNC or non-PNC checking or savings account, may have a 0.25% APR discount as part of being enrolled in automated payments.

If you are concerned about not being able to make your payment and want to cancel your automated payment, you may risk no longer receiving your 0.25% APR discount. To help maintain this discount, there may be other options for payment relief instead of cancelling:

  • Suspend the automated payment: This option suspends the payment for one payment only. Once you make your payment through another method, the suspension is lifted and your automated payments resume the following month. Your 0.25% APR discount would not be affected. If you do not make a payment, automated payments will not resume and your account will become past due.
  • Apply for a postponement: This option pushes out your monthly payments for a longer period of time. Your automated payments would be suspended during the postponement period, and your 0.25% APR discount would not be affected. Please use the Consumer Loan Hardship Request Form to apply for a postponement.

If you choose to cancel your automated payment, you will no longer receive the 0.25% discount, and the discount will not be reapplied if you enroll in automated payments in the future. You would be responsible for making your monthly payments through another method.

For those customers who typically make their loan payments in a branch, there are several options available:

Late Fees

Fees for late payments can be avoided if you are enrolled in a payment hardship program.


Loan Closings

Appointments are available on designated days of the week for loan closings. Please visit our branch locator to find the most convenient open branch for your loan closing appointment.

 

Checking & Savings Account Assistance

We are prepared to assist those directly impacted customers by waiving or refunding certain fees associated with deposit accounts such as monthly service charges and overdraft fees. Customers can contact us, and we will work with you directly:

1-888-PNC-BANK (762-2265)
Monday – Friday: 7 a.m. – 10 p.m. ET
Saturday & Sunday: 8 a.m. – 5 p.m. ET
For Virtual Wallet® Customers:
1-800-352-2255
Monday – Friday: 7 a.m. – 10 p.m. ET
Saturday & Sunday: 8 a.m. – 5 p.m. ET

 

Federal Income Tax Filing Extension

On March 20, the U.S. Treasury Department announced additional tax relief for taxpayers, including a change in the due date for filing federal income tax returns and for making federal income tax payments. Tax returns and payments that would have been due April 15, 2020 are postponed to July 15, 2020.

  • There is no limit on the amount of tax that can be postponed until July 15, 2020
  • There is no need to request an extension to file returns subject to the notice
  • State and local income tax deadlines are not affected by this decision and may or may not be postponed by state and local officials

Read More: Coronavirus Tax Relief

 

Waiver of Required Minimum Distributions for 2020

The CARES Act provides that qualified individuals are not obligated to take a required minimum distribution in calendar year 2020 from individual retirement accounts (IRAs), defined contribution plans, and eligible deferred compensation plans (excluding those maintained by tax-exempt entities).

Read More: How the CARES Act Affects Individuals

Small Business Clients

 

Paycheck Protection Program

The CARES Act created the Paycheck Protection Program, which will serve as an extension of the Small Business Administration (SBA) 7(a) loan program, allowing financial institutions to provide federally-backed, forgiveable loans to eligible businesses.

To learn more about the Program or to check the status of your completed application, please visit our Paycheck Protection Program page.

 

Loans, Lines of Credit & Credit Card Assistance

If you are unable to make your payment, we may have options to help you navigate this unprecedented time. If you are concerned about making business loan or credit card payments, we have a variety of programs available to assist you.  Solutions may include the ability to postpone payments for a period of time. For Small Business Lending Products, we are providing a range of modification options with no late fee.

For business owners, while not managed or facilitated by PNC, we want to make sure you are aware that the Small Business Administration (SBA) is offering a disaster relief program.  Businesses in need should apply directly with the SBA at https://disasterloan.sba.gov/ela or call 1-800-659-2955.

We appreciate your business and hope that our small business customers who require assistance during this difficult time will contact us so that we can determine how best to help.  We’ve launched a form to make it easier to communicate with us, where you can describe your hardship and have it routed to the right team member to review.  Additionally, here is a list of phone numbers if you choose to call us with your request.


Contact us online (fastest response time):

Business Credit Card Loan Hardship Request Form


Contact us by phone:

Business Credit Cards 1-800-558-8472 24 / 7
Business Loans and Lines of Credit 1-877-287-2654 Monday – Friday: 7 a.m. – 10 p.m. ET
Saturday & Sunday: 8 a.m. – 5 p.m. ET

 

Deposit Account Assistance

PNC is prepared to assist those directly impacted clients by waiving or refunding certain fees associated with deposit accounts such as monthly service charges and overdraft fees. Clients can contact us, and we will work with you directly:

1-877-BUS-BNKG (287-2654)
Monday — Friday: 7:00 a.m. to 10:00 p.m. ET
Saturday & Sunday: 8:00 a.m. to 5:00 p.m. ET

 

PNC Merchant Services® Assistance

We are leveraging all of the resources of PNC Merchant Services to support our clients through this challenging period.

To begin, we are proactively waiving select, recurring Merchant Services monthly account and service fees[5] for current customers for March and April, 2020, to help offset the impact that the coronavirus may be having on your business. This includes the following monthly fees:

  • Clover® Software
  • Payeezy GatewaySM
  • Monthly Service Fee
  • Monthly Minimum Processing Fee

We are also extending the time period to qualify for the Q1 2020 $500 reward from three billing cycles to four billing cycles.[6] To the extent you qualify for the reward, it will appear as a credit on your merchant statement in your fourth or fifth billing cycle, depending on when you reach $10,000 in transactions.

Know you can reach us 24 hours a day, 7 days a week at 1-800-742-5030. We stand ready to offer assistance and support.

For more helpful tips and information, visit our business continuity resources page.

Corporate & Institutional Clients

Paycheck Protection Program

The CARES Act created the Paycheck Protection Program, which will serve as an extension of the Small Business Administration (SBA) 7(a) loan program, allowing financial institutions to provide federally-backed, forgiveable loans to eligible businesses.

To learn more about the Program, please visit our Paycheck Protection Program page.

 

Financial Assistance

We have numerous ways to offer assistance, as needed, to impacted customers. Should you, as a current corporate client of PNC, encounter hardship as a result of the coronavirus, please reach out to your PNC relationship manager. We are here to help you with your financial needs during this period of uncertainty,

While not managed or facilitated by PNC, we want to make sure you are aware that the Small Business Administration (SBA) is offering a disaster relief program.  Businesses in need should apply directly with the SBA at https://disasterloan.sba.gov/ela/ or call 1-800-659-2955.

 

Treasury Management (PINACLE) Client Reminders

For our Treasury Management clients, we recognize that PINACLE, our commercial online and mobile banking platform, is a critical component of your financial processes and is important to helping you manage your business. Important steps to consider when reviewing your business resiliency plans with respect to your PINACLE access and related activities is available in the News Portlet located on the PINACLE Home page.  Information on features that may help you to manage your cash flow and run your business are also available on the PINACLE section our website.

 

Ideas & Insights for Navigating Economic Uncertainty

Over the years, many of us have faced tough challenges including a tech bubble, 9/11, a financial crisis and now coronavirus. Today, maintaining the resiliency of your business demands a fresh look at ideas and insights that can help you transcend the present challenges and emerge stronger on the other side.

View our tips for Corporate & Institutional banking clients.

Branches & ATMs

The safety and well-being of our customers, employees and communities remains our top priority, while continuing to serve you with as minimal disruption as possible.

Effective Friday, March 20, we have:

  • Made temporary adjustments to our Retail Branch Network, operating primarily in a drive-up only mode, augmented with select branches that do not provide drive-up capability, to ensure branch access across our communities.  Together, about three quarters of our current branch locations will remain open to service customers. Given the reduced branch traffic we are seeing, we are confident we can continue to effectively serve you in the branches that will remain open, should you need to visit.  The remainder of our branches will be closed until further notice.
  • Reduced Branch Hours: Branches will be open 10 a.m. to 5 p.m. Local Time Monday through Friday and 9 a.m. to 1 p.m. Local Time Saturday, closed on Sunday. Please note, PNC Solution Centers in the North Texas and Kansas City markets will remain open 9 a.m. to 5 p.m. CT Monday through Friday.
  • Offered Essential Appointments, available on designated days of the week for safe deposit box access, loan closings or other banking services that cannot be delivered through the drive-up, by telephone, through our ATM network or via mobile or online banking.

Keeping our PNC branches and facilities safe and clean is a top priority. We have increased our cleaning frequency and enhanced our cleaning procedures following CDC standards in the retail branches and our office facilities, with increased focus on high traffic and high touch point areas. This includes our interior, walk-up and drive-up ATMs and drive-up equipment. Additionally, our branches are provided disinfectant wipes and spray, hand sanitizer and gloves.

Visit our branch & ATM locator to view specific details on locations near you.

Learn more about what services we offer at our ATMs.

Learn about how we can help you to bank from home with online & mobile banking.

 

Bank from Home with Online & Mobile Banking

 

With impacts to branch availability, we strongly recommend that you leverage all of our available tools and resources for self-service banking and 24/7 account access through our mobile[1], online and voice banking services.

Through these channels, you can:

  • Check balances and account activity
  • Schedule and track bill payments with Online Bill Pay[2]
  • Transfer money between your PNC accounts or from your external accounts[3] 
  • Send and receive money with people you know and trust in the US using Zelle®[4]
  • Deposit checks with our mobile app - plus PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases[7,8]
  • Find the nearest ATM
  • and more...

We also offer other online solutions such as PNC Easy Lock and Overdraft Solutions.

Visit our tools & technology page to learn more and get started.

Wire Transfers

Information on How to Complete a Consumer Wire Transfer

Scam & Fraud Alerts

Warning: Fraudsters Use Global Crises, like Coronavirus, to Phish

COVID-19 SCAMS UPDATE: Government Stimulus Checks


Don’t take the bait. Be alert to phishing emails, fraudulent text messages and other coronavirus-related scams.

The coronavirus (COVID-19) has provided fuel for cyber criminals to prey upon the public’s concern about this global crisis. Recent scams are designed to trick people into sending money, to disclose personal information or to click on emails and websites that deliver computer malware onto your computer or network. These include:

  • Impersonating a representative of a bank or other financial institution providing or requesting information about your account.
  • Seeking donations for charitable causes related to the virus.
  • Impersonating a legitimate medical or health organization selling products that claim to prevent, mitigate, treat, diagnose or cure coronavirus.
  • Posing as an in-demand medical supply company offering to sell hard-to-find medical supplies to protect against the virus.
  • Taking advantage of the recent increase in work-at-home arrangements by impersonating legitimate business correspondence.
  • Posing as a government organization claiming to provide information about the coronavirus, such as heat maps or infographics.

IMPORTANT NOTE: PNC Bank will never ask you for personal information via text message. If you suspect you've received a fraudulent email that appears to be from PNC, forward the message to PNC Abuse (abuse@pnc.com). If you suspect you’ve received a fraudulent text message that appears to be from PNC, take a screen shot of the text message on your mobile phone and forward it to PNC Abuse (abuse@pnc.com).

Learn the characteristics of some of the most common scams and how to protect you and your family:

Insights

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Relying on Remote Employees? Help Them Feel Connected with Their Team

Check out these timely tips for employers with remote workers that seem especially relevant in today’s social distancing environment. This article initially ran in the Spring 2017 edition of Insights for Women in Business Magazine.

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Discover approaches to managing day-to-day financial activity, so that you can help to ensure success tomorrow.

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Tips for Corporate & Institutional banking clients.

Important Legal Disclosures and Information

  1. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  2. Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.

  3. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please see your account agreement for more information.  

  4. Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offers a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days.

  5. Fee waiver does not include other account, transaction, or processing fees.

  6. The offer requires the opening of a new PNC Merchant Services account by March 31, 2020. Clover® Go is excluded from this offer. Limit of one reward per business relationship, regardless of the number of business locations. Customers must establish a new PNC Merchant Services account with an initial term of three years or longer. An early termination fee will not be applied if you close this account prior to the end of the agreement. Clover and other equipment leases are not cancellable and have up to a four-year term. Please refer to your lease agreement for details. Purchased Clover or other equipment is nonreturnable. For more information, contact your local PNC Merchant Services representative. A separate agreement for Clover Check Acceptance may also have been signed. Please refer to your Clover Check Acceptance agreement for termination policy. To receive $500: Activation and processing of $10,000 or greater in card transactions is required within the first four billing cycles. The $500 cash reward will be credited to your PNC Merchant Services account within 90 days of the date of meeting account opening and activation requirements.

  7. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

  8. After capturing your check images, if the check qualifies, we will offer the choice between standard funds availability at no charge or PNC Express Funds for a fee.

    The fee for PNC Express Funds is 2% of each check amount over $100.  For any check amount from $25 to $100, a $2 fee will apply to each check.

    If the check is returned due to insufficient funds, PNC will not debit your account. 

    If your deposit is completed before 10 p.m. ET on a business day, your funds will also be available to pay checks or items during nightly processing. If your deposit is completed after 10 p.m. ET, your funds will be available to pay checks or items presented on the next business day.

    Note: With standard funds availability (no charge), checks drawn on PNC will be available the evening of your deposit to pay checks or items presented that evening for posting if your deposit is completed by 10 p.m. ET.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

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.