PNC Overdraft Fees and Policies

Jeanne LeeMay 23, 2018
PNC Overdraft Fees and Policies

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What happens when you overdraw your PNC checking account? That depends on the type of transaction and whether you have any optional overdraft services.

Here’s a look at PNC’s overdraft policies.


PNC normally pays overdrafts for these transactions:

PNC authorizes the payments on a case-by-case basis. Whether it pays or declines, these fees and maximums apply:

PNC normally declines these types of transactions without a charge if your balance is too low:

If you want PNC to pay overdrafts on ATM and debit card transactions on a case-by-case basis, you must opt in to Overdraft Coverage.

To sign up for this service, call 1-877-588-3605 or go to You can reverse your decision anytime.

Standard overdraft fees still apply.

If you select this service, you can link one of these accounts to your PNC checking account:

The linked account provides backup for your primary checking account. When your balance is too low, PNC automatically transfers funds to your checking from the linked account — as long as that account has funds available.

You’ll be charged $10 per transfer.

If you link a PNC credit card or personal line of credit, PNC will round up the amount to the nearest dollar and transfer a minimum of $50, plus the $10 transfer fee. That amount is subject to interest.

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PNC allows a $5 margin of error. If you’re overdrawn by $5 or less, PNC will refund any overdraft fees.

Also, if you overdraw your account but then deposit enough money to be within the $5 margin by the end of the business day, you won’t be penalized. PNC will automatically refund any overdraft fees.

Virtual Wallet comes with the Overdraft Protection service. PNC automatically links your Virtual Wallet “Spend” checking account to your “Reserve” short-term savings account for overdraft purposes.

The Spend account is also linked to your “Growth” long-term savings account, which serves as a secondary overdraft account in case neither Spend nor Reserve has enough to cover an item.

Reserve and Growth accounts don’t have either Overdraft Coverage or Overdraft Protection.

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