Low Cash Mode®
Take control of your account when your balance is low.
Features & Benefits
Low Cash Mode gives you more choice and control when your available balance is low or negative.
If your Spend account available balance falls below $0, you will have the ability to make certain payment decisions and Extra Time to bring your available balance positive.
Using Low Cash Mode
Before you can use Low Cash Mode, you will need to download the PNC Mobile App.
- Intelligent Alerts
- Extra Time
- Payment Control
- Additional Control
Go to Profile and Settings in the main navigation. Select Low Cash Mode.
Customize your Low Cash Mode threshold and set up your Extra Time alerts.
View your Payment Control history as needed.
Enter the Low Cash Mode dashboard from your Account Summary screen.
See how much time you have to bring your available balance to at least $0 before you’re charged overdraft fees.
If you don’t bring your available balance to at least $0, you’ll see what fees have been charged.
Enter the Low Cash Mode dashboard from your Account Summary screen.
Enter Payment Control to review the transactions available for a pay or return decision.
Select a transaction to return, if desired. Your Projected Available Balance will change based on your decisions.
Review your decision before confirming.
Frequently Asked Questions
Your Extra Time clock starts as soon as your available balance becomes negative.
Your Extra Time ends when you bring your available balance to at least $0 or when your Extra Time expires.
With Extra Time, if your account becomes overdrawn on a business day, you will have until 10 p.m. Eastern Time on the next business day to bring your available balance to at least $0 to avoid an overdraft item fee.
If a transaction occurs on a Friday after 10 p.m. Eastern Time, it will count towards Monday’s activity, meaning your Extra Time will end Tuesday at 10 p.m. Eastern Time.
PNC Extra Time will provide you with additional time to fund your account to avoid overdraft item fees.
Your Extra Time clock would restart when you went back into an overdraft status on Wednesday and you would be charged a fee on Thursday, if you didn’t fund your account by 10 p.m. ET on Thursday.
If you set up Low Cash Mode alerts, you’ll receive alerts when your Extra Time begins and ends.
If you bring your available balance to at least $0 before your Extra Time expires, you won’t be charged an overdraft item fee.
If you have not increased your available balance to at least $0 before your Extra Time period expires, your account may be assessed an Overdraft Item fee for each business day on which the ending available balance is negative and on which you made or authorized new withdrawals from your account that contributed to the negative available balance.
PNC does not charge Returned item (NSF) fees for Low Cash Mode customers.
Only checks and Automated Clearing House (ACH) items made using your account and routing number will be available in Payment Control. Debit Card transactions do not qualify for Payment Control.
Payment Control will only be available when your available balance is negative.
Overdrawing your account, maintaining a negative available balance for any period of time and returning transactions as unpaid may have consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
When you choose to return an Item that has been presented to PNC for payment, we’ll return the Item to the payee’s bank for insufficient funds, and the payee won’t receive payment from PNC. You may still have an obligation to pay the payee for the goods, services or other products. PNC isn’t responsible for satisfying any obligations between the customer and the payee or any other party with respect to an item you decide to return. Before choosing to return an Item, you should consider the rules the payee may have or actions the payee may take on late/returned payments.
Items returned in Payment Control may be resubmitted by the payee up to 2 additional times so you may see them in Payment Control again.
If your available balance is insufficient to cover presented items, PNC will decide, at our discretion, which transactions to pay based on factors that may include things such as account history and customer behavior.
Pay decisions you make aren’t final until 2 p.m. ET the business day after they post to your account.
Overdraft protection in Low Cash Mode will function as it does today. In Low Cash Mode, if you have overdraft protection set up, you will see the balance in your protecting account and have the option to initiate a transfer as soon as the available balance on your account becomes negative.
If you don’t take action to initiate the transfer and your account has a negative balance at the end (10 p.m. Eastern Time) of a business day, we’ll attempt to transfer the balance needed to bring your available balance to at least $0 from your protecting account during nightly processing.
If an overdraft protection transfer brings your account to at least $0, your overdraft event will end and Payment Controls will no longer be available. If the overdraft protection transfer doesn’t bring your account to at least $0, the customer will remain in Low Cash Mode.
For more information on overdraft protection visit pnc.com/overdraftsolutions.
If you have a joint account, both account owners will be able to access the Low Cash Mode dashboard and set up their alert preferences. If your available balance is negative you will both be able to see your Extra Time and any available Payment Control decisions in the PNC Mobile App.
If an item is selected to return, that decision is final and can’t be changed by the other account holders.
If an item is selected to be paid, other account holders can change that decision until 2 p.m. ET the business day after the item posts to the account.
Experience Low Cash Mode
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Low Cash Mode is currently available for all Virtual Wallet Spend products.
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Low Cash Mode is only available on the Spend account of your Virtual Wallet product.
In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees. See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.
PNC will honor decisions to pay items at our discretion and does not guarantee that all items will be paid.
PNC Alerts are free to customers. 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.
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.
PNC Easy Lock is not a replacement for reporting your debit or credit card lost or stolen. If you believe your debit or credit card has been lost or stolen, please contact PNC immediately at 1-888-762-2265 and continue to monitor your account activity for unauthorized transactions.
While purchases, cash advances, and withdrawals are stopped when you lock your debit or credit card, certain transactions will continue, such as transactions identified as recurring by the merchant (both new and previously scheduled), transactions made with other cards linked to a business credit card account, transactions made with other cards linked to your checking/savings account (debit card, banking card and University Affinity Card only), university/college services, including meal plan transactions and dorm access (University Affinity Card only), balance transfers, overdraft protection and payments made to your account (credit card only), reward redemptions, checks, account related fees, interest, dispute adjustments, posting of merchant refunds or other credits to your account, and other exempt transactions.
Also, transactions made and authorized (pending) prior to locking your card will not be blocked.
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.
Low Cash Mode is a registered trademark of The PNC Financial Services Group, Inc.
PNC Easy Lock is a registered mark of The PNC Financial Services Group, Inc.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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