Alexandra Barring, Banking Moderator
@alexandra
You can overdraft your PNC Bank account with a recurring debit card payment, ACH transfer, or check by attempting to make a purchase or withdrawal for which your account does not have sufficient funds. If the transaction processes, you have overdrawn your PNC Bank account.
If your account has overdraft capabilities, PNC Bank will authorize recurring debit card transactions, ACH transfers, and checks that would overdraw your account. However, PNC Bank will not authorize any non-recurring debit card purchases or ATM withdrawals that would overdraw your account unless you opt in for this service. If you do not opt in, PNC Bank will decline any non-recurring debit card or ATM transactions that would cause an overdraft, and your account will not be charged.
How to Opt-In to Overdraft PNC Bank Account with Debit Card Purchases and ATM Withdrawals
- Call PNC Bank customer service at 1-877-588-3605 to update your account’s overdraft settings. You’ll need to have your account information handy when you call, as well as any personal information that is required to verify your identity.
- Sign in to your secure online PNC Bank banking account. If you haven’t already, register for an account. Edit your Overdraft Solutions settings.
- Visit your local PNC Bank Speak with a banker to change your checking account’s overdraft settings. Use their branch locator tool to find a location near you.
Note that PNC Bank charges a $36 fee each time they pay for a transaction that overdraws your account. You can be charged up to 4 overdraft fees per day.
It’s also important to remember that PNC Bank pays overdrafts at their discretion, which means they do not guarantee that they will authorize a transaction that exceeds your account balance, even if they have done so before. To avoid overdrafts, consider signing up for PNC Bank’s overdraft protection service.
People also ask
How can I overdraft my account?
Typically, you can overdraft your account after opting in to your bank's overdraft protection service. However, the process is different with each bank. It's best you contact your bank beforehand to find out exactly how you can overdraft your account, and what fees are charged.
Do overdrafts affect your credit score?
No, overdraft fees do not affect your credit score unless you fail to pay them and the debt is sent to collections. Otherwise, checking accounts do not appear on your credit report, so your credit score isn’t affected by the charges.
A debt usually enters collections after 90 to 120 days of non-payment. Collection accounts are listed on your credit report and typically fall off after 7 years. You can see how much a...
read full answer by Lauren Smith, WalletHub Staff WriterHow can I check my PNC account balance?
The best way you can check your PNC account balance online is by logging in to your online account. Alternatively, you can check your balance through mobile banking and from their dedicated mobile app for iOS or Android.
Other ways to check your balance are at the ATM or by calling the bank's customer service department at 1-888-762-2265.
read full answer by Lisa Cahill, Credit Cards ModeratorDid we answer your question?
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