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. 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+ | Any qualifying DD, or $500 balance | $5,000 balance or DD |
| 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 | 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 |
|---|---|---|
| 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 | 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
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