PNC Bank, N.A. is one of the largest banks in the United States, with approximately 2,300 branches and about 60,000 fee-free PNC and partner ATMs, according to PNC. As of September 2026, PNC’s checking lineup is PNC Simple Checking ($5/month), Virtual Wallet ($7/month, lower than Chase’s $15 or Bank of America’s $12), and Virtual Wallet with Performance Select ($25/month) — anchored by Virtual Wallet, PNC’s signature three-account budgeting system. PNC’s standard overdraft fee is $36 per item.
PNC at a Glance
| Feature | PNC Simple Checking | Virtual Wallet | Virtual Wallet with Performance Select |
|---|---|---|---|
| Monthly fee | $5 | $7 | $25 |
| Fee waiver | Any qualifying DD, or under 25/62+ | $500 DD, $500 balance, or age 62+ | $5,000 balance or DD, or $25,000 linked |
| Overdraft fee | $36 | $36 (Low Cash Mode) | $36 (Low Cash Mode) |
| ATM limit | Confirm at pnc.com | Confirm at pnc.com | Up to $2,500 |
| ATM fee reimbursement | None | None | Up to $10 per statement cycle |
| FDIC insured | Yes — $250,000 | Yes | Yes |
| Branches | ~2,300 | Same | Same |
| ATMs | ~60,000 PNC and partner | Same | Same |
Fee Summary
| Fee | Amount |
|---|---|
| Monthly maintenance (Standard/Virtual Wallet) | $7 (waivable) |
| Monthly maintenance (Performance Select) | $25 (waivable) |
| Overdraft fee | $36 (max 1/day) |
| Non-PNC ATM | $3.00 |
| International ATM | $5.00 |
| Outgoing domestic wire | $25 self-service, $30 agent-assisted |
| Outgoing international wire | $40 self-service (USD), $50 agent-assisted |
| Stop payment | $33 |
ATM Limits by Account
| Account | Daily ATM Limit | ATM Fee Reimbursement |
|---|---|---|
| PNC Simple Checking (new) | Confirm at pnc.com | None |
| PNC Simple Checking (established) | Confirm at pnc.com | None |
| Virtual Wallet | $500–$1,000 | None |
| Virtual Wallet with Performance Select | Up to $2,500 | Up to $10 per statement cycle |
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
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