The one thing that you need to keep in mind is that overdraft protection is not available for reserve or growth accounts. If you overdraw your Spend account using Virtual Wallet, PNC will move available cash from your Reserve and/or Growth accounts to even out your balance. A PNC savings account or money market deposit account.This way, any available funds can be used to cover overdrafts. To shield your PNC checking account from overdrafts, link another PNC account of yours. If you decide to close only one of your multiple PNC accounts, this is how you can protect yourself from a surprising overdraft. If you have an overdraft or additional fees that you need to pay, make sure you pay them before closing the account. This way, you will ensure that your paycheck is sent to the correct location. This means handing your employer a voided check from your new account or permission paperwork. Review your Direct Depositīe sure to change your direct deposit to your new account if you have one set up. It may be beneficial to review your most recent billing statement to check that you have covered all the bases. For example, consider your electric bill, credit card payments, auto payments, etc. If you have any automated transactions set up, make sure to transfer them to your new account. To avoid this, it's a good idea to cancel your account on the same day you move your money. If you empty your account without closing it, you may be charged a balance limit fee. When closing your PNC account, you'll need to transfer all funds from that account to your new account.Ĭheck with your bank for withdrawal/transfer limitations. Switch Over Subscriptions and Auto Payments If you go in person, be sure to bring a government-issued ID (such as a driver's license, passport, or military ID), your Social Security number, your physical and mailing address, an initial deposit (if required). Tip: You can usually open a new account online or at a physical branch. If you haven't yet found a new bank, check out some of our picks below: That way, you'll have an active account where you can transfer your monthly subscriptions and your paychecks. Open Another Bank Account firstīefore closing your PNC account, you need to open another account in a different bank. They will help you avoid additional charges and overdrafts.
You'll need to take a few steps before closing your PNC account. This way, you'll make sure the process goes smoothly. However, before closing your account, there are a few things that you'll need to do. Submitting an online request using chat.You can close your account in four ways by: Learn what to do before you close your account and the steps to take afterwards. This guide will take you through the entire process of closing your PNC bank account. What to Do Before Closing Your PNC Account.
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