Frequently Asked Questions

Routing numbers are nine digit numbers that can also be referred to as banking routing numbers, routing transit numbers, RTNs, and ABA numbers. This code identifies your financial institution and it can differ depending on where you opened your account and the type of transaction you make.

There’s a number of ways you can find your Account/Bank Routing number:

On your paper checks:

Your Account number and Bank (ABA) Routing number can be found at the bottom of your checks:

If you don’t have your checkbook handy, don’t worry. If you have recently written a check that has posted to your account you can:

1. Sign on to Online Banking.
2. Select your account.
3. Within the Posted Transactions section of the Account Activity page, locate a recently posted check and click on the blue hyperlink under the Description column.
4. View an image of the check to obtain the routing and account number.

On your Online Statement:

If you have activated Online Statements within Online Banking, you can find your full account number on the PDF version of your Online Statements. To find your full account number:

1. Sign on to Online Banking.
2. Select your account.
3. Click on the Online Statements link from the Account Activity page.
4. Click on the Print Statement link. The full account number can be viewed on the top right hand corner of the statement.

On your Account Activity page in Online Banking (Non-Virtual Wallet accounts):

1. Sign on to Online Banking.
2. Select your account.
3. Click on the “Show Account & Routing Number” link below the Account pulldown selector.
4. You will be asked to verify your identity by entering your password.
5. Once your identity has been confirmed, you will be able to view the details of your Account information. Note: For your security, if you do not close out the window that displays your full account and routing number within 15 minutes, it will automatically close.
6. Clicking on “For wire transfers” displays the information necessary to create an incoming wire transfer. Please note that routing numbers for wire transfers may be different than the routing number on other accounts. Additional information on wire transfers can be found by clicking on the link at the bottom of this FAQ.

On your SmartAccess Card in Online Banking:

1. Sign on to Online Banking.
2. Select your SmartAccess Card.
3. Click on the “Sign On to SmartAccess” link to the right of your Available Balance.
4. Once signed in to SmartAccess, your routing number and full account number can be found under the “Direct Deposit Information” section on the Account Summary page.

Note on Incoming Wire Transfers:
If you want to set up incoming wire transfers, your routing number is different than the one displayed on your account(s). To find the correct routing number for wire transfers and for additional information, please refer to the following Wire Transfer Payment Instructions.

It's easy to change the address you have on file with PNC for your accounts:

1. In Online Banking, Click on the Customer Service tab and then select the "my profile" option at the top. You'll see your personal information.
2. To update your mailing address:
   1. Click "edit" next to the account address section.
   2. Place a check next to the account(s) that you would like to change.
   3. Type in your new address and click the "next" button.
   4. Confirm that the new address is correct and click the "submit modifications" button.
3. To update your phone number:
   1. Click “edit” next to the Telephone Numbers section.
   2. Delete the digits in either the Primary and Secondary fields.
   3. Click the “Next” button.
4. To update your email address:
   1. Click “edit” next to the Email Addresses section.
   2. Type in your new email address.
   3. Confirm your new email address by reentering it.
   4. Click the “Submit Modifications” button.

For international address change requests, please send us a secure message by logging into Online Banking. Include your phone number and international address. Please note that the address needs to be a physical address, and not a P.O. Box.

For Business Accounts: In order to change the address on record, please contact the PNC Business Banking Care Center at 1-877-287-2654. Some business accounts will require a visit to your local PNC branch to change the address.

Your deposit is typically available on the first business day after your deposit is received. Your funds may be delayed, however, depending on the type of deposit and the amount of that deposit. 

See when funds deposited to your Consumer Accounts will be available:

For more information on the circumstances under which a delay may occur, refer to the applicable Funds Availability Document:

Consumer Accounts
PNC Bank Consumer Funds Availability Policy

Business Accounts  
Funds Availability Policy for Business Accounts

It’s easy to order checks with Online Banking:

1. Sign in to Online Banking
2. Click on the Customer Service Tab
3. In the Manage Accounts section, click on Order Checks & Supplies.
4. Click on the “Checks/Supplies” link under the Order column next to the account for which you want to order checks. 

Sign up for Automatic Check Reorder so you don’t have to remember about reordering checks.

Automatic Check Reorder is a free service offered by PNC that notifies you when 70% of your checks are gone. At that time, you can make changes to your check style or address. Your new checks will be mailed to you automatically.

Not sure if you’re already enrolled in Automatic Check Reorder?

1. Sign in to Online Banking
2. Click on the Customer Service Tab
3. In the Manage Accounts section, click on "Order Checks & Supplies".

You will see a list of your open accounts. Look in the Automatic Check Reorder column and it will state “Enabled” for the accounts that are enrolled.

Automatic Check Reordering
Learn More »

You were charged a fee because your account was overdrawn at the end of the previous business day.

There were not enough funds in your account to pay for all of the transactions that were posted to your account. Fees may be charged for each insufficient funds (NSF) or overdraft transaction (OD), up to a maximum of 4 for each business day.

If you sign on to Online Banking, you can view the transactions that led to your overdraft by clicking on the Overdraft Item Fee or Returned Item (NSF) Fee.

Your account may also be assessed additional fees if it remains overdrawn. Please refer to the appropriate Consumer and Business Schedule of Services and Fees for additional information.

Learn more about Overdraft Solutions:

Virtual Wallet Features and Fees »
Service Charges and Fees (non-Virtual Wallet) »
Business Banking Service Charges and Fees »

A "Stop Payment" allows you to stop payment on a check, range of checks or pre-authorized payment (excluding cashier's checks, money orders or other cash equivalent items).

To place a Stop Payment:

1. Sign On to PNC Online Banking.
2. Click the "Customer Service" tab.
3. Select "Stop Payment" from the Account Services section.
4. Select the type of stop that you would like to place.
5. The screens that follow will walk you through the remaining steps to place the stop payment.

All Stop Payment requests on a pre-authorized payment must be received by PNC at least three (3) business days before the payment is scheduled to be made. Once placed, Stop Payment orders remain effective for six (6) months from the date authorized. You can place another stop payment order for an additional six months when the expiration date arrives.

Stop Payment requests on checks are not effective if, either before or within 24 hours from the time when the stop payment was requested, PNC Bank cashes the check or has become otherwise legally obligated for its payment. PNC Bank will assume no responsibility if any information provided is incorrect or incomplete and would cause the check or pre-authorized payment or transfer order to be paid (i.e., incorrect check number, date, account number, or invalid amount).

Please note that additional fees may apply. For more information, refer to the applicable schedule of service charges and fees:

Virtual Wallet Features and Fees »
Service Charges and Fees (non-Virtual Wallet) »
Business Banking Service Charges and Fees »

Our toll-free Customer Service number will get you fast, easy and secure account information from our automated banking system - there's no waiting and it's available anytime, whenever you need it. Use it to check balances, hear account activity, transfer funds and much more.

To access the Automated Telephone Banking Service, you will need the following:

1. Your User ID you associated with your account, as well as
2. Your Telephone PIN Number you registered with your account (in many cases, this is the same as your PNC Debit Card PIN).

Once you enter the information required to access your account, just follow the instructions given to you through the automated system

Learn More  »

Setting up alerts is easy once you're logged into Online Banking.

1. From your Alerts tab, access the Alert Profile Page.
2. The Alert Profile Page provides a snapshot view of all the alerts eligible for each account.
3. From there, you can add/view or edit account and security alert settings.

The following types of Alerts are available:

• Deposit Account Alerts
• Credit Card Alerts (provide balance & payment information)
• Debit/Credit Card Transaction Alerts
• Security Alerts
• Service Alerts

You can also set up your account(s) to receive alerts via email or text messages.

You can dispute a debit or credit card transaction electronically via your Online Banking account by going to the Customer Service tab. There are two separate processes for debit card and credit card transactions after you go to the Customer Service tab.

To dispute a debit card transaction:

1. Sign On to PNC Online Banking.
2. Click the "Customer Service" tab.
3. Select "Dispute a Transaction” from the Account Services section.
4. Select the account associated with the dispute, and confirm your address.
5. Click "Next."
6. Select the transaction you wish to dispute from the transaction list.
7. The steps that follow will walk you through how to place the dispute. If you have any other questions or concerns, please contact us.

To dispute a credit card transaction:

1. Sign On to PNC Online Banking.
2. Click the "Customer Service" tab.
3. Select "Dispute a Transaction” link under “Credit Card”.
4. Select the account associated with the dispute, and confirm your address.
5. Click "Next."
6. The steps that follow will walk you through how to place the dispute. If you have any other questions or concerns please contact us.

To dispute a PNC Online Bill Pay transaction:

1. Sign On to PNC Online Banking.
2. Click the "Pay Bills" tab.
3. Select “Payment Activity" from the top menu.
4. Select the “View Details” under the Action column to the right of the transaction you need to dispute.
5. Click on "Send us a payment inquiry" link in the top right hand corner of the View Payment window.
6. Fill out the Payment Inquiry and click the “Send Inquiry” button.

You can view and manage account information, pay bills, transfer funds including payments to PNC accounts, view PNC Rewards, and much more. 

Online Banking
Learn More »

In order to take the necessary steps to protect your information, please contact us immediately. Contact us at 1-800-762-2035.

Security and Safety of Your Account
Learn More »

In most cases the PIN you use with your debit card will be the PIN you will use to enroll for Online Banking. If you do not have a debit card, please contact us to have a PIN mailer sent to you so you can enroll for Online Banking.

If you forget your Password, you can reset it online with your debit card information or a phone number that you have enrolled through Online Banking.

To reset your Password and regain access immediately, click on the "Forgot Your User ID or Password?" located in the Online Banking Sign On block on pnc.com. This link will walk you through the steps necessary to reset your Password.

If you forget your User ID, you will need to contact us directly by either calling us, contacting us via chat, or stopping into any of our PNC Branches to obtain this information. 

There are three ways you can make a transfer in Online Banking’s “Transfer Funds” tab:

1. Internal Transfers: You can transfer money between your PNC accounts, make payments to your PNC credit card, line of credit or loan accounts. Or, you can transfer from your line of credit or get a credit card cash advance.
2. External Transfers: You can transfer money between your PNC accounts and accounts you own at another financial institution. Please note that you will need to verify your external account and email address prior to scheduling external transfers.
3. To an individual using a mobile phone number or email address through Popmoney. Please note that Popmoney is currently only available through personal accounts.

For more information on making transfers, refer to PNC’s Online Banking & Bill Pay Demonstration. Once you access the file, click on the “Making Transfers” tab.

*Fees and limitations may apply.

Transfer Funds
Learn More »

Check Images are digital copies of checks, substitute checks, and deposit tickets that are posted to your account and are accessible through Online Banking.

They are available for checking, savings, and money market accounts and are available online one or two business days after the transaction has been posted to your account. Images are available in Posted Transactions of the Account Activity Page for the current and two most recent statement cycles and for up to 8 years in Online Statements, beginning with statements dated after 1/1/2006. Online history is not available for accounts that have been closed.

To access a Check Image Online:

1. From the My Accounts Summary Page in Online Banking, find the account that contains the transaction and check image.
2. Click on the account in the account list to view the Account Activity Page for that account.
3. Look through your Posted Transactions for the transaction. The Check Image icon will be displayed next to the transaction (refer to illustration below). 
   
   
4. Click on the icon or the transaction description and the Check Image will display in a pop-up window.
5. From this pop-up window, you can Print, Mail or Fax the images.

To gain access to copies of your statements online, you must register for paperless statements for that account.

Virtual Wallet customers are automatically enrolled in online statements when enrolling in online banking.

Online Statements are available for deposit, credit card, and investment accounts.

1. Click on the Customer Service Tab in Online Banking.
2. Go to Account Services >> Activate Online Statements.
3. In the Online Statements Preferences, refer to the column “Statement Type”.
4. Click “Edit” next to the appropriate account if you see it is not registered for online statements.
5. A popup will appear asking you if you wish to Activate Online Statements.
6. Click on the “Activate” Button and provide the information needed.
7. Click on Save. You will be brought back to the Online Statement Preferences Page.
8. “Online Statements Only” should now appear next to the appropriate account.

If you opened your account in real time at one of our branches, your account will be open and live immediately, and you can enroll in Online Banking right away. If your account was not open in real time, it can take up to 2 business days for your account to be available for enrollment in Online Banking.

If you are trying to enroll in Online Banking via a mobile device, make sure you are accessing the full site on your mobile browser during the enrollment process.

Enroll in Online Banking »

For the best experience when using PNC Online Banking, we recommend using the most up-to-date versions of Chrome, Firefox, Internet Explorer or Safari.

Using beta versions or older versions of these browsers may result in limited functionality within the site.

To ensure your privacy, we recommend that you clear the Internet browser's cache and history after visiting any PNC web site. Internet browsing software, such as Internet Explorer, Firefox and Safari, stores or "caches" content of web sites visited during online sessions to display pages previously viewed more quickly. Additionally, the Internet browser's history list tracks web site addresses you visit. Clearing your browser's cache and history ensures that other people using the computer (particularly public computers) do not have access to your session information. View instructions for clearing your browser's cache.

Because each browser is different, we recommend utilizing the help menu located in the top navigation of your browser’s menu and searching for “clearing cookies” or “clear cache”.

PNC Mobile Banking provides several easy and convenient ways to access your accounts almost anywhere. You can use this secure service to see your account balances and activity right from your mobile device.

For additional information, refer to:
Online Security Information »

PNC Mobile banking consists of four separate - but complementary – features that are available to those enrolled in PNC Online Banking: *

1. Mobile Banking Apps: An application that is downloaded and installed on your smartphone or mobile device. The Mobile Banking Apps support Android,™ iPhone / iPod touch / iPad, and Blackberry. The PNC Mobile App enables you to enjoy many of the time saving features available through Online Banking today, including: view account balances, pay bills, transfer funds, locate the nearest branch or ATM, view PNC Rewards and deposit checks (iOS and Android™ only). Virtual Wallet customers can get the unique features of Virtual Wallet with our Virtual Wallet Mobile Apps.
2. Text Message Alerts: Enables you to have your PNC Online Banking email alerts delivered to your mobile device as a text message. This service takes the email alerts currently available through Online Banking and converts them to a text message version so that you can receive alerts while on the go.
3. Text Message Banking: Provides the ability to send certain text message commands to PNCBNK (762265) to obtain account balances or view account activity history.
4. Mobile Web: Visit www.pnc.com right on your mobile device to view a mobile optimized version of Online Banking. Enjoy many of the time saving features, for free. Check balance, make one-time bill payments, transfer funds, and locate the nearest branch or ATM and more.

* See your wireless carrier for message and data rates that may apply.

To download, or learn more about our Virtual Wallet Apps, please visit:
Virtual Wallet Mobile Apps »

The PNC App provides a traditional Mobile Banking view for anyone who uses Online Banking. The Virtual Wallet App provides an enhanced Mobile Banking experience that contains many of the features found in a customer’s Virtual Wallet.

1. Simply visit pnc.com from a supported device.
2. On the screen, you will see a download link that will direct you to the appropriate store and application for your device.
3. If you are a Virtual Wallet customer, search for the Virtual Wallet app, otherwise, download the PNC Mobile App.

You can also access the PNC Mobile Banking App by visiting the Apple App Store or the Google Play Store on your mobile device.

1. Once you are logged into the appropriate store, do a search for PNC. Virtual Wallet customers can search for Virtual Wallet by PNC.
2. From there, you will be directed to the appropriate mobile app where you can download and install the app to your device.  

1. Ensure that the surface contrasts with the color of the check.  A solid dark background against a white/light colored check works best.
2. Make sure that you have ample lighting and avoid using the flash on your camera. If the camera is triggering the flash, then you need more light.  Also, be careful of any shadows being cast on the check if using lighting from directly overhead.
3. Ensure that your camera lens is clean. Pocket lint and dust can build up on camera lens, which can degrade photo quality.
4. Ensure that your check is properly endorsed for Mobile Deposit: sign your name on the back of the check and write "For PNC Mobile Deposit Only" below your signature.
5. Once deposited, keep your check in a secure area for at least 2 weeks to ensure that your deposit has been credited to your account. Once you confirm it has been deposited, destroy the check.

You will need to have an account that is enrolled in PNC Online Banking. Once you have established your account in Online Banking, you are ready to take advantage of the Mobile Banking App’s functionality. However, the functionality within the Mobile Banking App will differ depending on your account(s).

Establish your Online Banking Account
Learn More »

If your check didn't go through, you were unable to deposit it through the app, or you received an error message:

1. Check in Pending Transactions within Online Banking to determine if the transaction was deposited.
2. If you do not see it as a pending transaction, you will need to go to your nearest PNC branch and inform them that you attempted to deposit through mobile deposit and ask for assistance in depositing the check.

To properly endorse a check for Mobile Deposit simply sign your name and write "For PNC Mobile Deposit Only" below your signature on the back of the check.

To learn how to properly endorse a mobile deposit
Watch Video

To locate a PNC Branch navigate to our PNC Locater. 

There are daily and monthly deposit limits that apply to Mobile Deposits.

To view these limits:

1. Log into the Mobile Banking App and
2. Select “Check Deposit” from the main menu to see the applicable limits that apply.

For personal and business debit cards, you can activate your card by:

1. Calling the phone number found on the sticker on the card, or
2. Visiting any PNC ATM. Insert your card into the machine and use the PIN that you created when you opened your account. If you did not create a PIN, you will have to wait for a PIN to be mailed to you in order to activate your card using a PNC ATM.

Once your card is activated, you can start using it right away.

For personal and business credit cards, you can activate your card by:

1. Calling the phone number found on the sticker on the card, or
2. Logging into Online Banking:
   • Navigate to the Account Activity Page for your credit card account, and
   • Click on the Activate Card link

Once your card is activated, you can start using it right away.

If your card has been lost or stolen, contact us immediately at one of the following phone numbers.

Personal Debit Cards
1-888-PNC-BANK (1-888-762-2265)

Virtual Wallet
1-800-352-2255

Business Debit Cards
1-877-BUS-BNKG (1-877-287-2654)

PNC Premier Traveler Visa Signature Credit Card
1-877-588-3602

PNC Premier Traveler Reserve Visa Signature credit card
1-877-631-8996

All other personal credit cards
1-800-533-6596 (domestically) or 1-877-222-5402 (internationally)

Business Credit Cards
1-800-474-2101 (domestically) or 1-877-222-5402 (internationally)

Replacement card fees may apply. 

For debit cards, please refer to the Consumer Schedule of Service Charges and Fees or the Business Checking Account and Related Charges for additional information on replacement debit card fees.

For credit cards, please call us at the appropriate number above.

Virtual Wallet Features and Fees »
Service Charges and Fees (non-Virtual Wallet) »
Business Banking Service Charges and Fees »

If you’ve forgotten your PIN, it will need to be reset. The reset process is different for debit and credit cards.

If you’ve forgotten your PIN for your debit card:

1. Stop by any PNC Branch to select a new PIN for your card, or
2. Call us using the phone number found on the back of your card to have a new random PIN generated. The PIN will then be mailed to you via USPS.

If you’ve forgotten your PIN for your credit card:

Call us using the phone number found on the back of your card. The PIN will be mailed to you via USPS.

You can dispute a debit or credit card transaction electronically via your Online Banking account by going to the Customer Service tab.

There are two separate processes for debit card and credit card transactions after you go to the Customer Service tab.

To dispute a debit card transaction:

1. Sign On to PNC Online Banking.
2. Click the "Customer Service" tab.
3. Select "Dispute a Transaction” from the Account Services section.
4. Select the account associated with the dispute, and confirm your address.
5. Click "Next."
6. Select the transaction you wish to dispute from the transaction list.
7. The steps that follow will walk you through how to place the dispute. If you have any other questions or concerns, please contact us.

To dispute a credit card transaction:

1. Sign On to PNC Online Banking.
2. Click the "Customer Service" tab.
3. Select "Dispute a Transaction” link under “Credit Card”.
4. Select the account associated with the dispute, and enter information regarding the dispute.
5. Click "Send".
6. If you have any other questions or concerns please contact us.

To view your business credit card(s) online you can either view your account through PNC Online Banking or through Account View.

Learn More »

When a business credit card is opened, a control account number is established for the business.

The control account is designed to link together all cards issued to authorized users of the company and provide a number where all card transactions are billed. While there is no card issued for the control account, each card issued to authorized users of the company will have its own number.

You can use your card(s) when traveling internationally. However, before you do, we recommend you notify us before you leave to have a travel notice placed on your account(s).  

To place a travel notification:  

1. Sign on to Online Banking:

• Navigate to the Debit/ATM Card Services, Credit Card Account Activity, or Customer Service page, and
• Click on the Notify Us of Travel link

2. Call the phone number found on the back of your card

Be prepared to provide the date(s) you will be traveling, as well as your destination(s).

When using your card(s) internationally, foreign transaction fees may apply. For debit cards, refer to the Consumer Schedule of Service Charges and Fees, Virtual Wallet Features and Fees, or the Business Checking Accounts and Related Charges for additional information. For credit card accounts, please call the number on the back of your card.

Assistance while you are traveling

For assistance while traveling internationally:

Debit cardholders: call us collect at 412-803-7711

Credit cardholders: call us collect at 412-803-7787

For assistance while traveling within the U.S.:

Debit cardholders:  call us toll-free at 1-888-762-2265

Credit cardholders: call us toll-free using the following numbers:

PNC Premier Traveler Visa Signature credit card: 1-877-588-3602

PNC Premier Traveler Reserve Visa Signature credit card: 1-877-631-8996

All other credit cards: 1-877-222-5402

View Details of Service Charges and Fees:

Virtual Wallet Features and Fees »

Consumer Service Charges and Fees (non-Virtual Wallet)»

Business Banking Service Charges and Fees »

To earn PNC points, you must have a participating PNC points Visa credit card or PNC Flex Visa credit card. Enrollment for points is automatic unless your card was opened before February 14, 2011. If your card was opened before February 14, 2011, you must enroll your card for the program. Debit cards do not earn points.

Learn More »

Preferences allow customers who utilize PNC ATMs to customize their preferences for certain items within a transaction such as:

• Preferred language
• Preferred fast cash amount
• Receipts

PNC customers can update their ATM preferences at any PNC ATM. To update your preferences: Select either “Change Preferences” or “ATM Preferences” after inserting your card and entering your debit card PIN.>

There is no fee for customizing or changing your ATM preferences.

For Debit Cards

Your debit card will continue to work up to the last day of the expiration month stamped on the card.

You should expect to receive your new debit card in a plain envelope around the beginning of the expiration month. If you have not received your replacement card by that time, please call us or visit your local PNC Branch Office.

Here are some reasons you may not have received a replacement debit card:

• The address we have on file for you may not be correct. Please check by calling us or by signing on to Online Banking to ensure that the address we have on file for you is accurate.
• You have not used your card in the past 12 months or your previous card was never activated. If this is the case, you should receive a notification letter in advance telling you that your debit card will not be reissued. 

For Credit Cards

Credit cards expire at the end of the month indicated on your credit card.  If you have not received your new credit card 3 weeks before your current credit card expires, please contact us using the phone number on the back of your current credit card.  You may not receive a new credit card if your account is not in good standing or is inactive.

Yes, we offer an array of options for making your mortgage payment online; Check them out on our Payment Options page.

With our free automatic payment program, Electronic Funds Transfer (EFT), you can automate your monthly mortgage payments and avoid writing checks and paying for postage each month. Once you get set up, your mortgage payment is automatically paid each month on the same day.

• EFT Authorization Form (Mortgage) - Pay your mortgage using EFT from any account, including accounts at other banks
• EFT Authorization Form (Home Equity) - Pay your Home Equity Loan or Line of Credit using EFT from any account, including accounts at other banks

We also offer SpeedPay, an efficient online payment tool that gives you flexibility for making your payments. Keep in mind, there are fees associated with submitting your payment via SpeedPay after the 1st business day of the month. Learn more about SpeedPay.

To sign up for our EFT program, simply, go to PNC Online Banking.

Once you log-in to your account, click Electronic Funds Transfer and complete and submit the enrollment form online.   It’s fast and easy to enroll.

EFT set up generally takes 5 to 7 business days.  Therefore,  please continue to make your payments until you receive written confirmation of your enrollment from PNC Mortgage.  You will also find an EFT enrollment form within your coupon booklet and may complete the request and mail it to us. 

The PNC Mortgage Bi-Weekly Payment Program automatically withdraws ½ of your mortgage payment directly from your accounts every 2 weeks.

By enrolling in the program you will be making 13 monthly payments per year – instead of 12. This “extra” payment will automatically be applied to your principal balance, paying off your loan faster and reducing the total interest you will pay on your mortgage. 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.

To learn more about our bi-weekly payment program, visit our Important Forms & Documents section for more details and an enrollment form.

An increase or decrease in your payment may be a result of an increase or decrease in your property taxes and/or insurance premiums and may result in an escrow shortage or surplus. An increase or decrease in your taxes may be due to a property reassessment, a change in the tax rate, a change in an exemption or a special assessment.

Rather than making a partial payment, please call 1-800-523-8654 to speak to a Customer Service Representative about your options. We may have a program available to you that permits a period of forbearance.

If your payment is deducted from your checking account each month, and you are enrolled in an Electronic Funds Transfer Program (EFT), or the Bi-Weekly Payment Program, the new payment amount will automatically be deducted from your account.

If you established your monthly payment to be automatically paid via your bank’s online bill pay system, you would need to modify the monthly payment amount.

PNC has different grace periods, but the majority of loans are assessed a late charge on the night of the 16th.  Late fees vary in accordance with the mortgage note.

More than likely, this bill is an assessment or supplemental bill. Some taxing authorities will send this type of bill because an additional amount is due that was not assessed at the beginning of the current tax cycle. You may wish to contact your local taxing authority for clarification.

In most cases, if you have an escrow account for taxes and the bill is for the current taxes due, we will obtain the tax bills from the tax collector. If you have an escrow account for taxes and the tax bill is for delinquent taxes due, please call us via 800-822-5626. If it is necessary to send a copy of your tax bill to us, we will request it prior to the due date.  The mailing address is:

PNC Mortgage
Attn: Tax Department
P.O. Box 1804
Dayton, OH 45401-1804

Please note, for customers in the states of PA, CA, VA, MD, NJ, ID, IA, ME, and CT: Supplemental, interim and/or special/additional assessment tax is not escrowed. You are responsible for paying these bills. In addition, if you do not have a tax escrow account, you will need to pay the bill prior to the due date.

You may pay the shortage in your escrow account using the coupon attached to your escrow analysis statement.  Upon receipt of the escrow payment shortage, we will adjust your payment to reflect the lower payment amount. If you choose not to pay the shortage, the shortage will be divided by 12 and spread over the next 12 months payments, interest free. In either case, your mortgage payment will be adjusted to reflect the new amount. If you currently use a coupon book for remitting your payment, a new coupon book will be sent to you within 15 days of the original escrow analysis.  However, if you’re interested in setting up electronic payments to avoid writing a check and paying postage, it’s easy. Log into your account at PNC Online Banking to enroll in our Electronic Funds Transfer (EFT) Program.

PNC can assist you with information pertaining to your mortgage.  However, we do not have access to information regarding why your taxes, insurance or special assessments have changed. Please contact your local tax office or your insurance agent for further assistance.

Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA).  The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%.   This will automatically take effect once it’s scheduled to reach 78%.

If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank ISAOA ATIMA address listed above so your request can be reviewed accordingly.  PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months.  You may be responsible for the costs of an appraisal.

The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

 To find out more, please contact us at:

• Phone: 844-PNC-SCRA (844-762-7272)
• Email: Servicemembers@pnc.com
• Fax: 855-568-4532
• Mail:

PNC Bank
Servicemembers Operations Center, BR-YB58-01-U 
PO Box 5570
Cleveland, OH 44101-0570

For your convenience, PNC offers a variety of methods for submitting your monthly mortgage payments in addition to the coupon book you’ll be receiving. Visit our Payment Options page to learn more about your payment options.

To find out if your loan is eligible, call us at 1-800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old to be considered for a Modification.

If your property lies within a FEMA defined Flood Zone "A" or "V", federal law requires you to maintain and provide proof of flood insurance coverage. If there are any changes in your flood zone, PNC Mortgage will notify you by mail.

If you are having financial difficulties, it’s always best to make us aware of your situation. We may have a payment program available to help you through your financial hardship. Learn more about your options or call 1-800-523-8654 to speak to a PNC representative.

We have a number of options available. Review your options or call us at 1-800-523-8654.

You can review your payoff information for your loan through Online Banking. Once you have signed onto Online Banking:

1. Select your loan account from the “My Accounts Summary” page.
2. You will be sent to your Account Activity page.
3. From your Account Activity page, you should find information regarding your loan payoff. There are some circumstances where payoff information will not be displayed. For those types of accounts, you will be directed to call us at 1-888-762-2265. 

If you see an unfamiliar charge on your statement or within Online Banking, please call us at 1-888-762-2265.

You can find the terms of your repayment in your original note listed under the repayment terms section. If you have additional questions, please contact us at 1-888-762-2265. For information about refinancing, please contact us at 1-877-487-3420.

You can make a payment on your loan several different ways:

1. You can make an electronic transfer through Online Banking via:
   • The Transfer Funds tab, or
   • Online Bill Pay through the Pay Bills tab.
2. You can make a payment over the phone. There is a $10 fee for making a payment over the phone.
3. You can mail a check or money order, or
4. You can have it automatically withdrawn using our Automatic Payment
   Deduction Program and payments will be withdrawn from your designated checking account. 

You can enroll in our automatic payment deduction program by either downloading the form provided through Online Banking or by calling us at 1-888-762-2265 and requesting a form.

To enroll through Online Banking:

1. Select your loan that needs to be set up with an Automatic Payment Deduction Program from the “My Accounts Summary” page.
2. You will be sent to your Account Activity page.
3. Navigate to the “Maintenance” tab on the right side of the page and click on it.
4. Click Download form link under Automatic Payment Deduction.
5. Print and complete sign-up form. Send the completed form along with a voided check to the address noted on the form.

After mailing the completed form, please continue to make your payments until you receive a letter confirming when the automatic deductions will begin.

We can stop your scheduled automatic payment as long as you notify us at least 2 business days prior to your due date. Please note that late fees may apply if we do not receive your payment by the due date.

If you are having financial difficulties, it’s best to make us aware of your situation. We may have a payment program available to help you through your financial hardship.

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Look on the detachable portion of your statement or coupon that you would return with a payment by mail. Your account number will be displayed there.

Your IRS 1098 Form for any interest paid the prior year is postmarked and mailed to you by January 31st. It is not available to view online. Should you require a copy, please call 1-888-762-2265 or visit a branch after February 10th to request a copy from the prior year. 

There is a period of time between your loan payment due date and when a late charge is assessed, however, your payment is considered late if it is not received by the due date. If your payment is not received by the due date, you may receive correspondence via phone or mail regarding the status of your payment.

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