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Military Banking
Thank you for your service. We are ready to help you and your family meet your financial goals.
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Key Features
Show Your Support
You can request a Military-themed PNC Bank Affinity Visa® Debit Card.
Financial Education
Guidance and resources for active military members, veterans and their family.
Bank When You Want,
Where You Want
Where You Want
PNC Online & Mobile Banking allow you to bank at your convenience.[1].
Our Commitment to Active Military, Veterans and Their Families
At PNC, achievement comes standard. We work hard to make banking and investing easy, to help customers achieve financial well-being. We believe our core values, including Respect, Integrity and Diversity, our customer-first approach, and our breadth of products, services and insight speak to the unique financial needs of service members and their families. You will experience this through online and mobile solutions, a dedicated operations center, and our branch locations.
Proud to support active military, veterans and their families with certain rates, discounts and product features:
- Learn how PNC Online, Mobile and ATM banking options can help you to bank how and when you want.[1]
- Take advantage of lower requirements for monthly direct deposit to avoid the monthly service charge on select checking products.
- Earn rewards when you open certain PNC Credit Cards and meet the minimum spend requirements.
- Explore special VA home loan options and rewards on a new mortgage.
Servicemembers Operations Center (SOC)
and Servicemembers Civil Relief Act
The Servicemembers Operations Center (SOC) is the single point of contact for service members requesting Servicemembers Civil Relief Act (SCRA) Program Benefits and/or protections. Recognizing the important contributions that men and women in the Armed Forces make to our society, PNC adheres to the service member eligibility standards and benefits described in the SCRA and similar state laws.
We are committed to providing service members who may be eligible for SCRA and SCRA-like benefits and protections with a simple and user friendly process for inquiring about or requesting SCRA benefits. Contact the SOC at 1-844-PNC-SCRA (1-844-762-7272).
What Others are Saying About PNC
Top Military-Friendly Companies
G.I. Jobs (2018)
Top 25 Military-Friendly Supplier Diversity Programs
National Association for Veteran-Owned Businesses (2018)
Top Veteran-Friendly Companies
U.S. Veterans (2018)
Financial Solutions
Checking & Savings
PNC offers several checking and savings product options. If you select to open a Virtual Wallet® with Performance Spend or a Performance Checking account, you can avoid the $15.00 monthly service charge by establishing a minimum direct deposit of $1,000 per statement cycle[2].
You can earn a higher relationship rate[3] on an eligible savings account or on the Growth account of Virtual Wallet with Performance Spend if you make at least 5 qualifying purchases with your PNC Bank Visa® Debit Card or linked PNC Credit Card or if you set up a qualifying monthly direct deposit.[3] You can also earn a higher relationship rate on a Premiere Money Market linked to a Performance Checking account and meet monthly balance requirements.[3]
Debit Card
Show your support with a military-themed PNC Bank Affinity Visa® Debit Cards.
Credit Card
Earn a $100 cash award when a new PNC Core®Visa® Credit Card, PNC points® Visa® Credit Card, or PNC Cash Rewards® Visa® Credit Card is opened and the minimum spend requirement is met[4].
Home Lending
We offer special VA home loan options for active military, veteran, reservist or National Guard. Open a new PNC mortgage and earn a $300[5] reward.
Business Owners
The SBA Veterans Advantage loan program was designed by the U.S. Small Business Administration to help support veterans and eligible members of the military community establish or expand a business. You may even qualify for a special lending offer for qualified veteran-owned businesses of 0.50% off the current interest rate on all new PNC business loans and lines of credit.[6]
Dollar amounts represented in this image are for illustrative purposes only. Screen enhanced for visual presentation. Carrier fees for data usage may apply.
PNC Online & Mobile Banking[1,7]
Manage your accounts through PNC's digital banking tools.
- Monitor your accounts and check your balance when and where you want to
- Transfer funds[9] between your PNC accounts and from your external accounts
- Schedule and track bill payments
- With PNC Pay℠ you can use your eligible mobile device and PNC cards to make in-store purchases right from the PNC Mobile app
- Make a deposit by using your mobile app and taking a picture of your check with your phone[1]
- Use Zelle® [8] to easily send money. With just an email address or mobile phone number, you can quickly send money to people you trust
Financial Education
Meet Adrianna Domingos-Lupher
Adrianna is an Air Force spouse and mother with over 13 years of experience in financial education and counseling. She is currently the Director of Strategic Communications and Marketing at the U.S. Chamber of Commerce Foundation's Hiring Our Heroes.
Spend
Basic Training: Five-Minute Monthly LES Checklist
Keeping an eye on your LES, or your spouse's LES, is an important and easy item you should put on your money management to-do list each month
Protect
5 Protections Most Military Families Don’t Know About
Military servicemembers and their families are granted a laundry list of benefits and protections, thanks to the Servicemembers Civil Relief Act, or SCRA, on certain loans.
Protect
10 Tips Every Military Family Needs to Follow to Keep Their Finances Safe
Keeping your finances safe online and in real life is extremely important and can be a real challenge for military families when on the move.
Save
8 Ways to Make Your Next Deployment a Win for Your Finances
If you practice smart money management before, during, and after your deployment, you might even be able to set aside a nice chunk of change for a rainy day!
Invest
Our Military Retirement Dream: Young, Fabulous, and Semi-Retired at Age 42
The United States Military has one of the most generous, albeit well-deserved and hard-earned, pensions around.
Save
5 Military Money Truths
Build sustainable budgets that meet the needs of the military lifestyle.
As a service member, you have certain rights and protections.
Servicemembers Civil Relief Act (SCRA)
The Servicemembers Civil Relief Act (SCRA) provides financial relief and protections to eligible service members 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. PNC will apply benefits and protections on eligible accounts, including:
- Auto loans
- Mortgage and home equity secured loans
- Line of credit, credit card and installment loans
- Commercial assets where the borrower is eligible for SCRA benefits or the guarantor is is eligible for SCRA protection and PNC seeks recovery from the guarantor
- Equipment loans and leases
- Education loans
- Deposit accounts (in limited situations)
- Safe deposit boxes (in limited situations)
We want you to receive all the benefits you're eligible for as a service member. If you have orders or other documentation reflecting your service commitment, please send a request to servicemembers@pnc.com in order to receive instructions on how to establish a secure email connection with us before sending military documentation via email. Should you prefer to send documentation with personally identifiable information (like your social security number) another route, it can be faxed to 1-855-568-4532 or mailed to:
Mail: PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570
For service member eligibility questions:
Call: 1-844-PNC-SCRA (1-844-762-7272) - Monday - Friday 8:30 AM - 4:30 PM ET
We'll review this information and follow-up with you.
To learn more about SCRA please click here.
SCRA State Laws
Please also be aware that certain states may extend Servicemembers Civil Relief Act (SCRA)-like benefits under state law. The following states may extend SCRA-like benefits regardless of your military status when the debt was originated. If you were denied SCRA benefits based on post-service debt, and had/have an affiliation with one of these states, please notify our Servicemembers Operations Center at 1-844-PNC-SCRA (1-844-762-7272).
- Louisiana
- Ohio
- Pennsylvania
Additionally, the following states may extend SCRA-like benefits to spouses or dependents of service members. If you were denied spousal or dependent SCRA benefits and had/have an affiliation with one of these states, please notify our Servicemembers Operations Center at 1-844-PNC-SCRA (1-844-762-7272).
- California
- Hawaii
- Indiana
- Louisiana
- Ohio
Military Lending Act
The Military Lending Act (MLA) provides certain consumer protections to eligible service members and their dependents. Only certain types of consumer credit are subject to the MLA, including most consumer credit card accounts, unsecured lines of credit, educational loans and unsecured installment loans.
Among the protections afforded by the MLA:
- Limits the amount of interest that a creditor may charge on consumer credit subject to the MLA to a maximum 36%
- Requires creditors to provide certain disclosures
- Prohibits creditors from requiring service members to submit to arbitration
PNC Bank determines eligibility at the time the borrower originates his/her loan, line of credit and/or credit card based on information available in a database maintained by the Department of Defense. Once PNC Bank determines eligibility, protections are afforded automatically. Service members and/or their dependents are not required to take any action.
If you have questions about protections under the MLA, contact our Servicemember Operations Center (SOC). Contacting the SOC can be accomplished in any of the following ways:
Email: servicemembers@pnc.com
Call: 1-844-PNC-SCRA (1-844-762-7272) - Monday - Friday 8:30 AM - 4:30 PM ET
Fax: 1-855-568-4532
Mail: PNC Bank, N.A.
Servicemembers Operations Center, BR-YB58-01-U
P.O. Box 5570
Cleveland, OH 44101-0570
Associated Products & Services
Important Legal Disclosures & Information
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.
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For Performance Checking or Virtual Wallet® with Performance Spend, no monthly service charge is applied if the total amount of all qualifying direct deposits credited to your account during the monthly statement period is at least $1,000. A qualifying direct deposit is defined as a recurring direct deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into a Performance Checking account or the Spend account of Virtual Wallet with Performance Spend. Credit card cash advances transfers, transfers from one account to another, or deposits made at a branch or ATM do not qualify as direct deposits. There are other ways to avoid the monthly service charge. Please see the Consumer Schedule of Service Charges and Fees.
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In order to qualify for a Relationship Rate, you must have a linked Virtual Wallet with Performance Spend or linked Performance Checking and meet one of the following requirements:
- Make a combination of 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the previous calendar month to your account using your Visa® Debit Card or to your linked Visa Credit Card.
- Have $2,000 in qualifying direct deposits ($1,000 for WorkPlace or Military Banking customers) in a linked Virtual Wallet with Performance Spend or Performance Checking during the previous calendar month.
(A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.)
Starting with the calendar month following when you open your Premiere Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined on the first of the month based upon the number of qualifying transactions or direct deposit requirement from the previous calendar month.
If there are changes to your linked checking account (it is closed, changed to a new account type or no longer linked to your Premiere Money Market account), you may no longer qualify for a Relationship Rate, or the rates may otherwise change to those in effect at the time of the change.
We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges, or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applie to all of your PNC accounts.
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To receive the $100, the Military Banking customer must have an eligible Military Banking Performance Checking account, Performance Select Checking account, Virtual Wallet with Performance Spend or Virtual Wallet with Performance Select at the time you submit an application for a new PNC Core, PNC points or Cash Rewards credit card, have your application approved, and make at least $1,000 in qualifying purchases within the first 90 days following credit card account opening.
The $100 will be in the form of a credit to the eligible checking account provided within 90 days following the qualifying purchase that enabled you to meet the $1,000 minimum requirement. The $100 credit may be subject to tax reporting. Limit one $100 credit per Military Banking checking account. If multiple credit cards are opened with the same primary borrower, only one credit card account will be eligible for the $100 offer.
As used in this offer, the term “qualifying purchases” has the same meaning as in the PNC points Program Terms and Conditions, and the same meaning as "net purchases" in the Cash Rewards Terms and Conditions, or qualifies as a "purchase" under the account terms for PNC Core. That means that, in general, as used in this offer, "qualifying purchases" does not mean all transactions you may make with your credit card account. Some limited transactions are excluded, such as the purchase of a gift card or other cash equivalent product, a purchase made using a convenience check, a cash advance or a balance transfer.
PNC Bank, National Association ("PNC Bank"), is the issuer of the credit cards referenced in this offer. Obtaining a PNC Bank credit card account is subject to credit approval. For details on reward programs, please refer to the applicable reward terms and conditions, which are available at pnc.com/creditcards. This offer may be modified or discontinued at any time and without notice. PNC Cash Rewards, PNC Core and PNC points are registered marks of The PNC Financial Services Group, Inc. Visa is a registered trademark of Visa International Service Association and used under license.
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To qualify for the $300 mortgage account reward, at the time of mortgage application the PNC Military Banking customer must have an eligible Military Banking Performance Checking account, Performance Select Checking account, Virtual Wallet with Performance Spend or Virtual Wallet with Performance Select and must establish a qualifying, automatic mortgage payment that must occur within 180 days following the mortgage application.
A qualifying, automatic mortgage payment is defined as a recurring PNC Mortgage loan payment electronically deducted from an eligible PNC Military Banking account. This includes recurring payments set up via Online Bill Pay. Mortgage payments initiated from a PNC Checking account via online transfers do not qualify as automatic payments. The Military Banking checking account must remain open in order for you to receive the $300 reward, which will be credited to the eligible checking account within 90 days after conditions have been met and will be identified as “Credits Workplace MORTG” on your monthly checking account statement. $300 reward may be subject to tax reporting. Limit one mortgage premium per PNC Military Banking checking account.
If multiple mortgage accounts are opened with the same signer (or signers), only one account will be eligible for the cash offer. For this offer, signing authority will be defined by the customer name(s) and Social Security number(s) registered on the account.
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All loans and lines of credit are subject to credit approval. Requires automatic deduction from a PNC business checking account. Offers may be extended, modified or discontinued at any time without notice.
Available for: Commercial Real Estate Purchase or Renovations; Leasehold Improvements; Business Expansion, Acquisition, Start-up, Partner-Buyout; Franchise Financing; Equipment or Inventory; Working Capital
To qualify for this offer, the business applicant must be at least 51% owned and controlled by an individual or individuals in one of the following groups: Veterans (other than dishonorably discharged); Service-Disabled Veterans; Active-duty military participating in the Transition Assistance Program (TAP); Reservists and National Guard members; Current spouse of any Veteran; Active Duty service member, or any Reservist or National Guard member; Widowed spouses of service members or veterans who died during service or as a result of service-related disabilities; all as evidenced by documentation acceptable to PNC Bank, National Association, in its discretion. Promo Code 117
A preferred interest rate that is 0.50% lower than our standard interest rates available on business term loans and lines of credit. Your actual rate will be based on a review of your credit application, the loan product you select and the loan amount, and will be set at time of approval. Other fees may apply. Offer not to be combined with other offers. Offer not available to tax free or tax reduced entities. Promo Code 117
Online Banking is free to customers with an eligible account; however there may be a fee for certain optional services. We reserve the right to decline or revoke access to Online Banking or any of its services. All online banking services are subject to and conditional upon adherence to the terms and conditions of the PNC Online Banking Service Agreement.
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Zelle should only be used to send to or receive money from people you trust. If you are unsure of a recipient’s email address or mobile phone number, before using Zelle to send money to that person, you should contact the recipient to confirm the information. Neither Zelle nor PNC offer a protection program for goods or services purchased or sold in which Zelle is used for payment. Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle, it could take 1 to 3 business days to receive the money once the enrollment is complete.
Federal regulation prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third parties each month by check, through point-of-sale purchase transactions with a banking card, by preauthorized or automatic agreements, telephone, or online. See your account agreement for more information. Other limits may apply to your account. Excessive transactions may result in changing your Money Market or Savings account to a non-interest bearing checking account.
PNC is a registered service mark of The PNC Financial Services Group, Inc. ("PNC"). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc.
Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Google Pay and Google Play™ store are trademarks of Google Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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