PNC Bank is one of the largest banks in the United States, serving customers primarily across the eastern half of the country and in select midwestern states. PNC uses different routing numbers for each state, largely due to its growth through acquisitions of regional banks like National City Corporation (2008) and BBVA USA (2021).
PNC Routing Numbers by State
Your PNC routing number is based on the state where you opened your account.
| State | Routing Number |
|---|---|
| Alabama | 043000096 |
| Delaware | 031100089 |
| District of Columbia | 054000030 |
| Florida | 043000096 |
| Georgia | 043000096 |
| Illinois | 071921891 |
| Indiana | 043000096 |
| Kentucky | 083000108 |
| Maryland | 054000030 |
| Michigan | 041000124 |
| Missouri | 071921891 |
| New Jersey | 031207607 |
| New York | 021272655 |
| North Carolina | 043000096 |
| Ohio | 042000398 |
| Pennsylvania (Pittsburgh area) | 043000096 |
| Pennsylvania (Philadelphia area) | 031000053 |
| South Carolina | 043000096 |
| Virginia | 054000030 |
| West Virginia | 043000096 |
| Wisconsin | 071921891 |
Pennsylvania has two distinct PNC routing numbers — one for the Pittsburgh area (where PNC is headquartered) and another for the Philadelphia region. This split dates back to PNC’s original operations in western Pennsylvania and its later expansion to the eastern part of the state. If you’re unsure which applies, check your PNC checks or the mobile app.
PNC expanded significantly in 2021 when it acquired BBVA USA. If you were a former BBVA customer, your routing number likely changed during the transition to PNC. Verify your current routing number through the PNC app.
PNC Wire Transfer Routing Number
| Transfer Type | Routing Number |
|---|---|
| Domestic wire transfer | 043000096 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | PNCCUS33 |
For receiving international wire transfers at PNC:
| Information | Details |
|---|---|
| SWIFT/BIC code | PNCCUS33 |
| Bank name | PNC Bank, N.A. |
| Bank address | 300 Fifth Avenue, Pittsburgh, PA 15222 |
| Your account number | Your PNC account number |
| Your name and address | As it appears on your account |
PNC charges fees for incoming and outgoing wire transfers. As with most banks, fees vary depending on your account type and whether the wire is domestic or international. See the wire transfer guide for tips on minimizing costs.
How to Find Your PNC Routing Number
1. PNC Mobile App
Open the PNC Mobile app → tap your account → select “Account details.” Your routing number and account number are both displayed.
2. PNC Online Banking
Log in at pnc.com → click on your account → look for “Routing Number” in the account details section.
3. On a PNC Check
The first 9 digits on the bottom-left of your PNC check are the routing number, followed by your account number and check number.
4. Customer Service
Call PNC at 1-888-762-2265. A representative can confirm your routing number after identity verification.
Which PNC Routing Number Do I Need?
| Transaction | Which Number |
|---|---|
| Employer direct deposit | State-specific ACH number |
| IRS tax refund | State-specific ACH number |
| Automatic bill pay | State-specific ACH number |
| Linking to external apps | State-specific ACH number |
| Domestic wire (sending or receiving) | 043000096 |
| International wire | SWIFT: PNCCUS33 |
For everyday banking transactions — including setting up direct deposit, paying bills online, and transferring money to or from accounts at other banks — use the state-specific routing number from the table above. Wire transfers require the dedicated number, and international wires need the SWIFT code.
Former BBVA USA Customers
PNC completed its acquisition of BBVA USA in October 2021. If you were a BBVA customer, your accounts were migrated to PNC and your routing number changed.
| Previous Bank | New Bank | Routing Number |
|---|---|---|
| BBVA USA (Alabama) | PNC | 043000096 |
| BBVA USA (Arizona) | PNC | 043000096 |
| BBVA USA (California) | PNC | 043000096 |
| BBVA USA (Colorado) | PNC | 043000096 |
| BBVA USA (Florida) | PNC | 043000096 |
| BBVA USA (New Mexico) | PNC | 043000096 |
| BBVA USA (Texas) | PNC | 043000096 |
If you still have any autopay or direct deposit arrangements using the old BBVA routing number, update them as soon as possible. BBVA routing numbers may still work temporarily through bank forwarding, but they will eventually stop processing.
Bottom Line
| Question | Answer |
|---|---|
| How many routing numbers does PNC have? | ~12 (varies by state) |
| Most common PNC routing number | 043000096 (Pittsburgh/headquarter states) |
| Wire transfer routing number | 043000096 |
| SWIFT code | PNCCUS33 |
| Pennsylvania: which number? | 043000096 (Pittsburgh) / 031000053 (Philadelphia) |
| Best way to verify | PNC app → Account details |