In the banking industry, banks, credit unions, and other financial institutions are identified by their routing numbers. They guarantee accurate money transfers between financial institutions and aid in the swift processing of checks.
Routing numbers let banks determine where incoming transactions originated, much how your home address enables online shops to know where to ship your delivery. Moreover, it specifies the location where bank transfers should be deposited.
For example, while sending or receiving ACH and wire transfers, you must utilize the proper PNC Bank ABA transit number. They’re used by the Federal Reserve Banks to process both domestic and foreign Fedwire transfers, so this explains why. Routing numbers are also necessary for the ACH network to handle electronic fund transfers like direct deposits and bill payments.
So what is the routing number for wire transfers and ACH at PNC Bank?
Short Answer: Depending on which state the bank is based in, PNC bank employs different routing numbers for ACH transfers. For instance, the Maryland PNC Bank ABA number is 054000030, but the Illinois PNC Bank check transit number is 071921891.
The state or PNC branch where you initially opened your account is the only one with access to your PNC Bank routing number. There are multiple routing numbers in some states. For instance, there are five PNC bank routing numbers for the state of Alabama. Washington, DC, Maryland, and Virginia all have the same route number, 054000030.
For domestic wire transactions, large national banks like PNC bank utilize a separate transit number, while for international wire transfers, they use a SWIFT code. For instance, the international wire transfer SWIFT code for PNC Bank is PNCCUS33, while the domestic wire transfer routing number for PNC is 043000096.
About PNC Bank
PNC Bank, with its headquarters in Pittsburgh, Pennsylvania, got its name when its two parent companies, the Pittsburgh National Corporation and the Provident National Corporation, merged in 1983. It ranks fifth in terms of branches and sixth in terms of deposits among US banks.
Services provided at the PNC bank include commercial and residential real estate lending, corporate and institutional banking, commercial/consumer loans, mortgage loans, Chip-enabled debit and credit cards, get money orders, a third-party check be cashed, student banking services, and more.
PNC Bank has around 3,000 branches and over 9,000 ATMs that can give out $10 in 21 states and the District of Columbia to serve its customers conveniently.
In order to ensure that your payments arrive safely, if you have a PNC account and live in the US, you must use the correct PNC routing number when sending or receiving wire transfers into or out of your PNC Bank account. Otherwise, the incorrect location will receive your funds.
In most cases, wire transfers are irreversible. People have lost six figures or even seven figures in a in the past. For example, Citibank mistakenly wired , and a judge ruled they can’t get it back! Thus, you must know how to locate and use the correct PNC Bank ACH routing number.
In order to ensure accurate ACH and wire transfers into and out of your bank accounts, this article will assist you in locating the correct PNC bank transit number.
What Is A Routing Number?
- What Is A Routing Number?
- What Are Routing Numbers Used For?
- How Many Digits is PNC Bank Account Number?
- Why Does PNC Bank Have Different Routing Numbers?
- What is my PNC Bank Routing Number?
- How to Find PNC Routing Number By State
- How To Find Bank Routing Number for PNC Bank on a Check?
- Can I Find My PNC Bank Routing Number on my Monthly Statement?
- How To Find Your PNC Bank Routing Number Online?
- How To Get Routing Number on PNC Bank App?
- How Do You Contact PNC Bank For Your Routing or Wire Number?
- What is the PNC Bank Domestic Wire Routing Number?
- What are the PNC Bank Wire Transfer Fees?
- What’s the PNC Bank International Wire Transfer Routing Number?
- What are the PNC Bank International Wire Transfer Fees?
- How Long Do Wire Transfers Take at PNC Bank?
- PNC Routing Number & Wire Transfer Summary
A routing number is a nine-digit code used to identify a specific bank, credit union, or any other financial institution in the United States. Created by the (ABA), routing numbers facilitate the smooth electronic transfer of funds and quick processing of paper checks when transferring funds from one financial institution to another.
There is no distinction between an ABA number and a routing number. ABA transit numbers, check routing numbers, and ABA RTNs are other names for routing numbers. Routing numbers are used to identify which bank the funds have come from and the financial institution where they should be deposited when money is transferred between financial institutions.
Due to the fact that each financial institution has a distinct routing number, payments can be reliably transferred and received across banks without any confusion.
Large banks like Chase Bank, Wells Fargo, and TD Bank have different routing numbers for their different branches in every state that has bank operations. But online-only banks, smaller banks, and credit unions like the The routing number for Navy Federal Credit Union is one and only.
Therefore, if you have moved between states or your state has multiple PNC Bank ACH ABA RTNs, it is possible to become confused about the proper PNC routing number to use.
Finding and using the right ABA number should be your first priority if you want to be sure that your money goes to the right destination. Depending on the state in where your account was first opened, your PNC Bank check transit number is assigned.
See our guide on Number for Wells Fargo routing
What Are Routing Numbers Used For?
In the US, financial institutions are identified by their routing numbers. When transferring money between banks and other financial institutions, they aid in the quicker processing of paper checks and the precise transfer of ACH and wire transfers.
While you might believe that your bank handles routing numbers, there are various instances where you need to combine the correct PNC bank routing number with your account number in order to start or finish ACH and wire transfers.
Let’s say your grandma wants wire funds as a holiday gift or a wedding gift. You’ll need to provide her the correct PNC bank wire transfer routing number along with your account number, bank address, contact information, your full name, and other details. You can then withdraw the money and enjoy your holiday by eating out at restaurants or booking cash-accepting hotels.
You’ll also need your PNC bank routing number when making large lump sum purchases with a check, like buying income-producing assets.
The following is a list of frequent banking transactions that call for the usage of your PNC Bank ABA RTN:
- Funds are paid into your account, including pensions, tax refunds, and salaries.
- Pay with ACH within the US.
- Making a check payment
- executing domestic and international wire transfers
- transferring funds across accounts at several banks or investment firms
- setting up direct transfers and automatic bill payments
How Many Digits is PNC Bank Account Number?
Your PNC account number has a series of 10 digits, while your PNC Bank ABA number consists of nine digits. You’ll find both the routing number and account number printed at the bottom of your PNC personal checks on the MICR line.
PNC credit cards, however, employ a 16-digit account number. The same function as your bank’s routing number is served by this single number, which is essentially your routing number and account number combined.
If your account number is less than ten digits, simply prefix it with zeros to make it ten digits in length. Contact your local PNC Bank location if you run into any issues or have any questions.
Why Does PNC Bank Have Different Routing Numbers?
PNC Bank has 34 different routing numbers because of the mergers and acquisitions as it’s grown over the years. For instance, PNC bank has about 2,300 branches and over 9,000 $1, $5, $50, and $100 cash withdrawals from ATMs in 21 states.
The bank undertook some of the biggest mergers in American history in order to expand to this size. First National Bank & Trust, Peoples-Pittsburgh Trust Company, Fidelity Trust Company, Provident National Corporation, Midlantic Bank, Hillard Lyons, United National Corporation, Riggs National Corporation, and many others were among the larger and smaller financial institutions that PNC Bank merged with or acquired.
As the banking institutions merged or were acquired, each had its own routing number. Routing numbers are kept while mergers and acquisitions are added to the current PNC bank infrastructure rather than the current financial infrastructure being completely overhauled.
You’ll discover that several states use multiple routing numbers for the same purpose. For instance, Florida has two, Georgia has four, while Alabama has five routing numbers. With up to six digits, Pennsylvania has the most difficult PNC bank routing numbers. It is as a result of PNC Bank’s acquisition of numerous local minor financial institutions.
States that use PNC Bank routing numbers can also be found. For instance, the check transit number 054000030 is shared by Washington, DC, Virginia, and Maryland. It’s because the bank PNC acquired had locations in those states. So, you can utilize PNC Bank routing numbers to track back its mergers and acquisitions if you take your time and do your homework.
What is my PNC Bank Routing Number?
Based on the state in where you first opened your account, your PNC Bank ACH routing number was generated. Your money could be sent to the incorrect location if you don’t know where to look for and how to use the correct routing number, which the bank has approximately 34 of.
Your PNC routing number can be located in a number of methods, including:
- PNC routing number state search
- the check’s PNC Bank routing number
- On the statement, you can find the PNC Bank routing number.
- look for the route number on the
- making a customer support call to PNC Bank
Do you have a Chase Bank Account? See our guide on your Chase routing number can be found here.
How to Find PNC Routing Number By State
Due to its prior acquisitions and mergers, PNC Bank has a number of routing numbers. States like Washington, DC, Maryland, and Virginia all use the same route number, 054000030, as you can see in the table below. However, some states have multiple routing numbers, including Pennsylvania, Ohio, New York, Indiana, Georgia, Florida, and Alabama.
Verify your accurate PNC Bank ABA number in the table below if you can recall where you created your account.
|PNC Florida||043002900, 267084199||*|
|PNC Georgia||053100850, 061192630, 043002900, 061119639||*|
|PNC Indiana||43000096, 083009060, 083000108, 071921891||*|
|PNC New Jersey||31207607||*|
|PNC New York||Contact your local branch||*|
|PNC North Carolina||43000096||*|
|PNC Ohio||042000398, 041000124||*|
|PNC Ohio – Youngstown||43000096||*|
|PNC Pennsylvania – Central North||43000096||*|
|PNC Pennsylvania – Central South||31312738||*|
|PNC Pennsylvania – Northeast||31300012||*|
|PNC Pennsylvania – Northwest||43300738||*|
|PNC Pennsylvania – Philadelphia||31000053||*|
|PNC Pennsylvania – Pittsburgh||43000096||*|
|PNC South Carolina||53100850||*|
|PNC Washington DC||54000030||*|
|PNC West Virginia||271971560||*|
*Using your statement, app, branch, or client service professional, always confirm the numbers.
It’s important to keep in mind that your PNC routing number and account number are dependent on the state or branch where you first created your account, not where you presently reside.
For instance, the routing number is 071921891 if I opened my account in Illinois. I won’t utilize the routing number for Michigan, whose routing number is 041000124, if I move there. Yet, since my account is permanently based in Illinois, I’ll continue to utilize that routing number for sending or receiving ACH transfers.
Only 21 states are served by PNC Bank’s branches. Because of this, if your state isn’t shown in the table above, the bank doesn’t have any branches there. PNC, however, has a variety of routing numbers in several states, as you can see.
You might have opened your account online or forget the state it was affiliated with. In that scenario, you’ll have to look up the correct PNC Bank check transit number in another means.
To learn how to locate the precise ACH ABA transit number, continue reading below.
How To Find Bank Routing Number for PNC Bank on a Check?
Every piece of information that banks require to cash a personal check is included, including the routing number, account number, and check number. You should have access to one because most banks give new account holders at least one checkbox.
Your PNC Bank check transit number is located on the MICR line at the bottom of the check. Your routing number, account number, and check number are the three sets of numbers printed in that order from left to right.
To better comprehend the various digits on the bottom of the check, see our personal check infographic.
The first nine digits on the bottom left of the check are the routing number. Your account number is immediately below it in the bottom center. The check number, which enables you to track your check payments, is the final set of four digits in the bottom right.
Can I Find My PNC Bank Routing Number on my Monthly Statement?
Your PNC bank routing number can be found on the printed monthly statements, yes. Monthly statements provide information on your bank’s routing number and account number, just like personal checks do. Your PNC ABA number can be found by simply looking at the top of any monthly statement.
How To Find Your PNC Bank Routing Number Online?
That you might not have a checkbook or printed monthly statements is not surprising. Hardly everyone maintains a checkbook or printed bank statements on hand in the age of internet and mobile banking. You can conduct business online while reading all of your bank statements without having to write a check.
To avoid disclosing bank information, many users have migrated to secure digital wallets like PayPal, Venmo, Zelle, and mobile payment methods. Therefore, your best bet is to locate your PNC bank routing number online if you don’t have a check or bank statement.
If you have already signed up for online banking, follow these steps to locate your PNC Bank ABA number:
For Checking and Savings accounts
- Log in to online banking, then choose your account.
- A link to Display Account & Routing Number should be clicked.
- Go to Account Activity and click the Get to the Account and Routing Number option for virtual wallet accounts.
- You’ll receive a one-time passcode in the mail.
- Follow the prompts to access your PNC bank routing number and complete account number online after entering the passcode to confirm your identification.
For SmartAccess Prepaid Visa Card
- Access your PNC online account.
- Click the Sign In to SmartAccess link after selecting SmartAccess Card.
- Your account number and PNC bank routing number can be found in the Direct Deposit Information section on the Account Summary Page.
Opening any of your online statements will also reveal your PNC routing number. Consider clicking the Print Statement link on the Account Activity page after choosing the Online Statements link. The top right corner of the statement will have your PNC Bank ABA RTN and account number.
If you aren’t enrolled in online banking, use the to find your PNC Bank routing number online. You can search by state or city or enter the routing number on the ” Routing Number” field to find a financial institution’s name by the routing number.
Alternatively, use the to search or confirm the validity of doubtful routing numbers.
Once you find the correct PNC Bank, check the transit number, save it on your phone or print it out. Make a copy and keep it in a safe place so that you don’t have to search every time you need it. After all, searching online with a laptop consumes a lot of data, and if you don’t at home, access free or inexpensive internet service..
How To Get Routing Number on PNC Bank App?
Consider getting your routing number on the PNC app if you aren’t lucky enough to secure Free government laptops and internet access for low-income families. It’s a less costly option because mobile banking consumes little data.
You must first download and install the PNC Bank mobile app on your smartphone in order to view your PNC Bank routing number while on the go.
Once the app is set up, follow these instructions to find your routing number:
- Open the PNC Mobile App and log in.
- Select your account
- Select Account Actions
- select Routing and Account Numbers
- You’ll be given a unique passcode.
- To prove your identity, enter the passcode.
- Look up your account and routing numbers.
How Do You Contact PNC Bank For Your Routing or Wire Number?
Having multiple routing numbers for a state can be confusing. To obtain the correct routing number, you might need to get in touch with PNC Bank customer support. If you are unsure, it is best to call and verify the proper number. Your hard-earned money shouldn’t go to the wrong place, of course!
Calling PNC Bank’s nationwide customer service helpline at (888) 762-2265 is the simplest way to get in touch with them. The right number can also be obtained by calling the nearest branch office and asking the teller there.
What is the PNC Bank Domestic Wire Routing Number?
You can only send and receive ACH transfers using your state-based routing numbers. They are sometimes referred to as ACH ABA routing numbers for this reason. Large national banks, such as PNC Bank, conduct international wire transfers using a SWIFT code and utilize a distinct routing number for domestic wire transfers.
The domestic wire routing number for PNC Bank is 043000096. You will set up incoming wire transfers using this number. Give it and your account number to anyone who wants to wire money to you. You can either use one of the techniques listed above or simply copy and save it right here.
When you need to move money quickly, wire transfers are useful. The following are some ways that a wire transfer differs from an ACH transfer:
- Faster: Depending on the bank’s direct deposit policies, money may be available for withdrawal by the recipient of a wire transfer minutes or hours after it is initiated.
- Wire transfers are more secure since they take place directly between banks and only become official after each bank has given its approval. Contrarily, ACH transfers are handled by independent clearinghouses, and the money is automatically cleared without verification.
- Simple routing numbers: For domestic wire transfers, there is only one PNC Bank routing number, and for cross-border transactions, there is only one SWIFT code, unlike ACH transfers, which utilize various routing numbers in each state.
The convenience, speed, and security of Fedwire transfers come at a price. PNC Bank charges anywhere between $15 and $45 depending on whether you send or receive domestic or international wires. Due to the added cost of wire transfers, frugal consumers like me need to weigh their options when deciding between ACH and wire transfers. Every dollar counts for someone trying to $10,000 per year in savings!
Use ACH transfers for your regular, non-urgent transactions instead of wire transfers to reduce costs.
What are the PNC Bank Wire Transfer Fees?
Depending on whether you’re making or receiving a wire transfer, PNC Bank charges different domestic wire transfer costs. Processing fees for outgoing wires are typically higher than those for incoming wires.
Below is an estimate of domestic wire transfer fees for PNC Bank:
- Domestic wires received: $15
- Domestic wire transfers: $30
What’s the PNC Bank International Wire Transfer Routing Number?
The international routing number for PNC Bank wire transfers is PNCCUS33. Because banks use SWIFT codes rather than routing numbers to identify themselves globally, it differs from other routing numbers in appearance.
Therefore, in place of your ACH routing number or the domestic wire transfer routing number above, you will provide the sender with the PNC Bank SWIFT code PNCCUS33 when receiving international wire transfers.
Any of the methods mentioned above can be used to verify the SWIFT code or the domestic bank wire transfer number if you have any questions.
What are the PNC Bank International Wire Transfer Fees?
Depending on whether you are sending or receiving money, PNC Bank charges different international wire transfer costs. Incoming wires are more expensive than outgoing wires.
Below is an estimation of the international wire transfer fees charged by PNC Bank:
- International wires received: $15
- Sending wire transfers abroad: $45.
How Long Do Wire Transfers Take at PNC Bank?
Whether a wire transfer is domestic or international will affect how long it takes at PNC Bank. However, the recipient will typically be able to withdraw the funds from the wire transfer within a few minutes or hours.
The customary time frame is often one to three days. Domestic wire transactions may take PNC Bank 1-2 days to process, while international wire transfers may take up to 3 days to clear. Weekends, holidays, and cutoff times may also affect the waiting period.
For example, the deadline for domestic and international wire requests at PNC Bank is 6 p.m. EST. A wire request submitted after the deadline will therefore be processed the following business day.
PNC Routing Number & Wire Transfer Summary
As you can see, because of its previous mergers and acquisitions, PNC bank has a convoluted routing number system. Hence, the state where you first created your account determines your unique PNC Bank ACH routing number.
Your ACH routing or wire number can be located by using the table above on a check, monthly statement, online, the PNC app, local branch, or by contacting a customer service person.
If you started your account online or in a state with many routing numbers, it may be more challenging to locate the correct number.
Recall that ACH transfers are the only time you would utilize a PNC Bank ACH routing number. Use the PNC Bank domestic wire transfer number 043000096 to set up incoming domestic wire transfers, and the PNC bank SWIFT code PNCCUS33 to set up outgoing international wire transfers.
Wire transactions are typically irreversible. Take your time to double-check the information, particularly the account number and the routing number, with your bank, the recipient, or the sender to make sure it is accurate. In this approach, you can avoid costly wire transfers gone wrong as well as unneeded delays and rewiring fees.