PNC Bank, N.A. is the sixth-largest bank in the United States with approximately 2,600 branches and 9,000 ATMs concentrated in the eastern and midwestern states. PNC’s fee structure sits in the middle of major banks — a $7 monthly checking fee (lower than Chase or Bank of America), a $36 overdraft fee, and a tiered product lineup anchored by Virtual Wallet, its signature three-account budgeting system.
PNC at a Glance
| Feature | Standard Checking | Virtual Wallet | Performance Select |
|---|---|---|---|
| Monthly fee | $7 | $7 | $25 |
| Fee waiver | $500 balance or DD | $500 balance or DD | $5,000 balance or mortgage |
| Overdraft fee | $36 | $36 (Low Cash Mode) | $36 (Low Cash Mode) |
| ATM limit | $500–$1,000 | $500–$1,000 | Up to $2,500 |
| ATM fee reimbursement | None | None | Unlimited |
| FDIC insured | Yes — $250,000 | Yes | Yes |
| Branches | ~2,600 | Same | Same |
| ATMs | ~9,000 | Same | Same |
Fee Summary
| Fee | Amount |
|---|---|
| Monthly maintenance (Standard/Virtual Wallet) | $7 (waivable) |
| Monthly maintenance (Performance Select) | $25 (waivable) |
| Overdraft fee | $36 (max 4/day) |
| Non-PNC ATM | $3.00 |
| International ATM | $5.00 |
| Outgoing domestic wire | $30 |
| Outgoing international wire | $45 |
| Stop payment | $33 |
ATM Limits by Account
| Account | Daily ATM Limit | ATM Fee Reimbursement |
|---|---|---|
| Standard Checking (new) | $500 | None |
| Standard Checking (established) | $500–$1,000 | None |
| Virtual Wallet | $500–$1,000 | None |
| Virtual Wallet with Performance Spend | $1,000–$1,500 | 4 per month |
| Virtual Wallet with Performance Select | Up to $2,500 | Unlimited |
Routing Numbers — Quick Reference
| State | Routing Number |
|---|---|
| Pennsylvania (Pittsburgh) | 043000096 |
| Pennsylvania (Philadelphia) | 031000053 |
| Ohio | 042000398 |
| Michigan | 041000124 |
| New Jersey | 031207607 |
| New York | 021272655 |
| Kentucky | 083000108 |
| Maryland / DC / Virginia | 054000030 |
| Illinois / Missouri / Wisconsin | 071921891 |
| Most other PNC states | 043000096 |
| Wire transfers (all states) | 043000096 |
| SWIFT code (international) | PNCCUS33 |
All PNC Bank Guides
- PNC Bank Fees 2026 — monthly fees, overdraft charges, wire fees, Virtual Wallet explained
- PNC ATM Withdrawal Limit 2026 — daily limits by account tier, how to increase, fee reimbursements
- PNC Routing Number by State 2026 — full state-by-state list, wire routing, SWIFT code PNCCUS33
- PNC Bank Customer Service 2026 — phone numbers, how to reach a live person, specialized departments
- PNC Bank Hours 2026 — branch hours, Saturday hours, holiday closures, 24/7 options
- PNC Minimum Balance Requirements 2026 — Virtual Wallet tiers, Performance Select, how to avoid fees
- PNC Mobile Deposit Limit 2026 — daily caps by account, 10 PM ET cutoff, funds availability
- PNC Transfer Limits 2026 — Zelle, ACH, wire limits by tier, routing numbers, SWIFT code
- PNC vs Chase 2026 — fees, branches, Virtual Wallet, Zelle limits compared head-to-head
See also:PNC Bank Fees 2026: Complete Fee Schedule for Checking & Savings·PNC ATM Withdrawal Limit 2026: Limits by Account Type·PNC Routing Number by State 2026: Complete List
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