How to Find your PNC Routing Number

How to Find your PNC Routing Number

Navigating the world of banking can be confusing, especially when it comes to identifying and using routing numbers. These nine-digit codes are essential for a variety of transactions, from direct deposits to wire transfers. In this guide, we’ll explore the PNC routing number, how to find it, and why it’s crucial for your banking needs.

What is a Routing Number?

A routing number, also known as an ABA (American Bankers Association) routing transit number, is a nine-digit code used to identify a specific financial institution in the United States. This code is vital for ensuring that money is sent to the correct bank during transactions.

Importance of Routing Numbers

Routing numbers are essential for several reasons:

  • Direct Deposits and Withdrawals: Employers use routing numbers to deposit salaries directly into employees’ bank accounts. Similarly, businesses use these numbers to withdraw payments for services.
  • Wire Transfers: These numbers are necessary for transferring funds between banks, especially for international transactions.
  • Automatic Bill Payments: Many service providers require your bank’s routing number to set up automatic bill payments.
  • Check Processing: Routing numbers are printed on checks to facilitate the accurate and efficient processing of check payments.

Understanding PNC Bank Routing Numbers

PNC Bank, like all banks, has its own set of routing numbers. However, PNC’s routing numbers can vary based on the location of your account. This can sometimes lead to confusion, but once you understand how they are structured, finding the correct one is straightforward.

PNC Bank Overview

PNC Bank is one of the largest banks in the United States, offering a wide range of financial services to individuals and businesses. Due to its extensive network and multiple branches across different states, PNC uses various routing numbers to streamline operations and ensure the accuracy of transactions.

How to Find Your PNC Routing Number

Finding your PNC routing number is relatively simple if you know where to look. Here are several methods you can use:

1. Check Your Checkbook

One of the easiest ways to find your routing number is to look at your PNC checkbook. The routing number is usually printed at the bottom left corner of each check. It’s the first nine-digit number in the sequence, followed by your account number and the check number.

Example of Check Layout:

  • Routing Number: 031300012
  • Account Number: 123456789
  • Check Number: 0001

2. Log in to PNC Online Banking

If you don’t have your checkbook handy, you can find your routing number by logging into your PNC online banking account. Here’s how:

  • Go to the PNC Bank website and log in to your account.
  • Navigate to the “Account Summary” page.
  • Select the account for which you need the routing number.
  • Your routing number should be displayed along with your account details.

3. Use the PNC Mobile App

For those who prefer using mobile devices, the PNC Mobile App provides a convenient way to access your routing number. Follow these steps:

  • Open the PNC Mobile App and log in.
  • Tap on the account you want the routing number for.
  • Your routing number will be listed in the account details section.

4. Contact PNC Customer Service

If you’re unable to find your routing number using the methods above, you can always contact PNC customer service for assistance. The representatives can provide you with the routing number specific to your account’s location.

PNC Customer Service Contact:

  • Phone Number: 1-888-PNC-BANK (1-888-762-2265)
  • Available Hours: Monday to Friday, 7:00 AM to 10:00 PM ET; Saturday and Sunday, 8:00 AM to 5:00 PM ET.

5. Visit Your Local PNC Branch

Another reliable method is to visit your local PNC branch. Bank representatives can provide you with your routing number and answer any other banking questions you might have.

State-Specific PNC Routing Numbers

PNC routing numbers can vary by state. Here’s a list of some state-specific PNC routing numbers:

  • Alabama: 062000080
  • California: 031207607
  • Florida: 043002900
  • Illinois: 071921891
  • New Jersey: 031207607
  • Ohio: 041000124
  • Pennsylvania: 031000053
  • Texas: 122106183

It’s important to use the correct routing number based on your account’s location to ensure your transactions are processed accurately.




PNC Alabama


PNC Washington DC


PNC Georgia

053100850/ 061192630

PNC Indiana


PNC Maryland


PNC Missouri


PNC North Carolina


PNC Pennsylvania – Pittsburgh


PNC Virginia


PNC Wisconsin


PNC Delaware


PNC Florida


PNC Illinois


PNC Kentucky


PNC Michigan


PNC New Jersey


PNC Ohio

042000398/ 041000124

PNC South Carolina


PNC West Virginia


Why It’s Important to Use the Correct Routing Number

Using the correct routing number is crucial for several reasons:

Ensures Accurate Transactions

Routing numbers ensure that funds are transferred to the correct bank. Using an incorrect routing number can result in delays or failed transactions, which can be inconvenient and potentially costly.

Prevents Fraud

Using the correct routing number helps protect your account from fraudulent activities. Misrouting funds can expose your account to unauthorized access or loss of funds.

Facilitates Smooth Banking Operations

Banks rely on routing numbers to process transactions efficiently. Correct routing numbers help maintain the smooth operation of banking systems and prevent errors that could disrupt services.

Common Mistakes to Avoid

When dealing with routing numbers, it’s easy to make mistakes. Here are some common errors and how to avoid them:

Mistaking Account Number for Routing Number

Your account number and routing number are different. The routing number is a nine-digit code, while your account number varies in length. Ensure you’re using the correct one for your transactions.

Using the Wrong State Routing Number

As mentioned earlier, PNC routing numbers vary by state. Always use the routing number that corresponds to the state where your account was opened.

Typing Errors

A single digit mistake can cause transaction failures. Double-check the routing number before submitting any forms or making transactions.

FAQs About PNC Routing Numbers

What is the PNC routing number for international wire transfers?

For international wire transfers, PNC uses a different routing number and a SWIFT code. You’ll need to contact PNC customer service or check your online banking account for this information.

Can I use the same routing number for all my PNC accounts?

No, routing numbers can vary based on the type of account and its location. Ensure you use the correct routing number for each specific account.

How do I find the routing number for my PNC savings account?

The routing number for your savings account is usually the same as your checking account if they are in the same state. You can verify this by checking your account details online or contacting customer service.

Is the routing number the same for all PNC branches in a state?

Generally, yes. However, it’s always a good idea to verify the routing number specific to your account’s location.


Understanding and locating your PNC routing number is crucial for managing your financial transactions effectively. Whether you’re setting up direct deposits, making wire transfers, or paying bills, having the correct routing number ensures that your transactions are processed smoothly and accurately.

By following the methods outlined in this guide—checking your checkbook, using online banking, accessing the PNC Mobile App, contacting customer service, or visiting a local branch—you can easily find your PNC routing number and use it confidently. Remember to always double-check the routing number to avoid any errors that could disrupt your financial activities.

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