The PNC overdraft fee is $36 per transaction that overdraws your account, if you have a PNC checking account that allows overdrafts. Some PNC accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined. 

Key Things to Know About PNC Overdraft Fees

• Not all accounts are eligible for overdraft services. While most of PNC's checking accounts come with overdraft capabilities, not all of them do. For example, any transaction that would overdraw the Foundation Checking or Virtual Wallet Reserve and Growth accounts will automatically be declined. Therefore, the Foundation Checking or Virtual Wallet Reserve and Growth accounts will never be charged overdraft fees.
• Overdraft fee waivers could be available. If this is your first time overdrawing your account, your bank may agree to waive the overdraft fee as a courtesy. Call PNC at 1 (888) 762-2265 to request to have your overdraft fee waived.
• You must opt-in to some overdraft services. By default, checks and recurring debit card transactions may go through even if you don't have sufficient funds in your account, resulting in an overdraft fee. However, you must opt-in to allow your account to be overdrawn by individual ATM or debit card transactions. If you do not opt-in to this service, any requested ATM or debit card transactions for which you do not have sufficient funds will be declined, and your account will not be charged.
• You can set up overdraft protection to prevent fees. If you're concerned about overdraft fees, PNC offers a service called overdraft protection that allows you to link up to two of your eligible PNC accounts, such as savings or money market deposit accounts, credit card or line of credit, to your main checking account. In the event that your account does not have sufficient funds for a requested transaction, funds will be transferred from the linked account to the main account to cover the purchase.
• PNC will only charge you up to 4 overdraft fees per day. Even if you attempt transactions that would overdraw your account more than 4 times in a day, you will only be charged 4 overdraft fees.
• Excessive overdrafts could have other consequences. Fees aren't the only way banks punish you for overdrawing your checking account. If you have too many overdrafts, PNC may report it to ChexSystems. ChexSystems is like the credit reporting agencies, but for bank accounts. If you've ever mishandled a bank account in the past – by bouncing checks, having too many overdrafts or failing to pay fees, for example – you may have a ChexSystems report. Based on the information contained in this report, a bank may refuse to accept you as a customer in the future.

PNC's overdraft fee of $36 per transaction is above average. According to WalletHub's latest Banking Landscape Report, the average overdraft fee for checking accounts in the United States is $27.79.

PNC offers several options for overdraft protection to help you manage your account and avoid fees. Here's a breakdown:

• Overdraft Protection: You can link a secondary PNC account (like a savings or another checking account) to your primary checking account. If you overdraw your primary account, funds will be transferred from the linked account to cover the shortfall.
• Overdraft Coverage: This service covers ATM and debit card transactions on a...

PNC does not specify an overdraft limit for their accounts. However, they do mention that if you have overdraft coverage they pay any overdraft at their discretion.

If you opt-in for overdraft protection, another PNC account is linked to your checking account, and the overdraft limit becomes the balance of the linked account.

The minimum balance required for PNC checking accounts ranges from $0 to $10,000, it depends on the specific account you have. Here's a breakdown:

• PNC Virtual Wallet Student - $0 minimum balance.
• PNC Virtual Wallet - $500 minimum balance.
• PNC Business Checking - $500 minimum balance.
• PNC Virtual Wallet® with Performance Select - $5,000 combined average monthly balance in your Spend and up to 7 PNC Bank consumer checking accounts you have chosen to link (including Reserve) OR $25,000 combined average monthly balance across PNC Bank consumer deposit and/or PNCI investment accounts you have chosen to link.
• PNC Business Checking Plus - $5000 minimum balance.
• PNC Virtual Wallet® with Performance Spend - $10000 minimum balance.

It's important to note that these requirements can change over time. For the most accurate and...

There are two main reasons why you can't overdraft your PNC checking account, including haven't opted into "Overdraft Coverage", and account restrictions.

• Overdraft Protection Opt-In: You might not have opted into PNC's overdraft protection services. PNC offers options like linking your checking account to another account (savings, secondary checking, or a credit card) to cover overdrafts.
• Account Restrictions: There might be specific restrictions or holds on your account that prevent overdrafts. Some account types,...

Basic checks from PNC are free. However, prices may vary if you choose to order from alternative suppliers like Costco, Vistaprint, or Walmart.

To get the most accurate and up-to-date pricing information, you can either visit the PNC website and look for their check ordering service, or reach out to your local PNC branch and inquire about the cost of checkbooks.

If you opted in for a PNC overdraft solution you should be able to use it the following business day.