Your PNC routing number is a nine-digit code that tells other banks where to send money to your account
PNC Bank uses different routing numbers depending on which state your account is held in and what type of account you have. The routing number appears on the bottom left of your checks, but if you do not have checks or need to verify the number, you can find it through your online banking portal, by calling PNC customer service, or by looking it up on the PNC website using your state and account type.
The routing number is not the same as your account number. Your account number identifies your specific account at PNC; the routing number identifies PNC itself (or a specific PNC branch location) to the banking system. You need both numbers to set up direct deposit, wire transfers, or automatic bill payments.
Key Takeaways
- PNC routing numbers vary by state, so you must use the routing number for the state where your account is located, not where you live or work.
- The routing number appears on the bottom left of your checks, printed before your account number.
- You can find your routing number by logging into PNC Online Banking, calling PNC at 1-888-PNC-BANK, or searching the PNC routing number lookup tool on their website.
- When you set up direct deposit or automatic payments, you will need both your routing number and your account number.
Where to find your routing number on a check
If you have PNC checks, the routing number is printed on the bottom left edge of the check. It is the first set of nine digits, followed by your account number (which is longer), followed by the check number on the far right. The routing number always has exactly nine digits.
If your checks are new or you have not ordered them yet, this method will not work. In that case, use one of the other methods below.
How to look up your routing number online
Log into PNC Online Banking with your username and password. Once you are logged in, go to the account details or account information section—this is usually found under "Account Services" or "My Accounts." Your routing number will be listed there alongside your account number.
If you do not have online banking set up, you can also visit the PNC website and use their routing number lookup tool. You will need to enter your state and select your account type (checking, savings, or money market). PNC will then display the routing number for that combination.
Calling PNC customer service for your routing number
Call PNC customer service at 1-888-PNC-BANK (1-888-762-2265). Have your account number ready. A representative can confirm your routing number over the phone and answer questions about which routing number to use if you have multiple accounts.
PNC customer service is available Monday through Friday during business hours, with extended hours on some days. Wait times vary, especially during peak banking hours.
Why PNC has different routing numbers by state
PNC operates in multiple states, and the Federal Reserve assigns different routing numbers to different regions and branches of the same bank. This routing number system helps the banking network direct money to the correct location. Your routing number corresponds to the state where your account was opened or is maintained, not where you currently live.
If you moved to a different state after opening your PNC account, your routing number does not change. It remains tied to the original state. This is important to know if you are setting up direct deposit or payments—use the routing number for the state associated with your account, not your current location.
Using your routing number for direct deposit and bill pay
When your employer sets up direct deposit, they will ask for your routing number and account number. Provide the routing number that matches your account's home state, not your current state. The same applies when you set up automatic bill payments through PNC or through a third-party service.
Double-check both numbers before submitting. A wrong routing number will cause the deposit or payment to go to the wrong bank or account, which can delay your money by several days and may trigger fees. If you make a mistake, contact your employer or the service provider immediately to correct it.
What to do if you cannot find your routing number
If you have tried the online lookup tool and it is not working, or if you are unsure which state your account is registered in, call PNC customer service. They can confirm your routing number and explain which one to use if you have accounts in multiple states.
Do not guess or use a routing number from someone else's check or account. Using the wrong routing number will cause the transaction to fail or go to the wrong place, and you may not discover the error until days later.
Frequently Asked Questions
Is my PNC routing number the same as my account number?
No. Your routing number identifies PNC Bank (or a specific PNC location) to the banking system. Your account number identifies your specific account within PNC. You need both numbers for direct deposit and bill pay.
Do I use the same routing number for checking and savings accounts?
Most PNC customers use the same routing number for both checking and savings accounts held in the same state. However, some account types or older accounts may have different routing numbers. Check the PNC lookup tool or call customer service to confirm.
What if I moved to a different state after opening my PNC account?
Your routing number does not change when you move. It stays tied to the state where your account was originally opened. Use that routing number for all transactions, even if you now live elsewhere.
Can I find my routing number on my debit card?
No. Routing numbers do not appear on debit cards. They appear only on checks, in online banking, or through the PNC lookup tool. Your debit card shows your card number and expiration date, but not your routing number.
What happens if I use the wrong routing number?
The transaction may be rejected, delayed, or sent to the wrong bank or account. If this happens, contact the sender or the service provider immediately to correct it. Do not assume the money will find its way to you—it may sit in a holding account or be returned after several days.