Unfortunately, the bank does not offer a grace period for overdrafts. Usually the bank first posts deposits and then subtracts any checks, withdrawals and other payments. The bank’s cut-off time for branches will not be earlier than 2pm local time, but may vary by branch. The cut-off time for PNC Bank ATMs will be no earlier than 12pm local time, but may vary by location. The cut-off time for non-PNC Bank ATMs is 3pm local time. The cutoff time for a mobile device and a remote deposit scanner is 10pm local time. Deposits made through the bank’s night depository after 6am may be processed on the next business day.
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