PNC Bank routing number

PNC answers this itself. Its routing-number page says the code “can differ depending on where you opened your account and the type of transaction you make”, then adds that “incoming wire transfers have a different routing number than the one displayed on your account”.

1. 1

   Open the PNC Mobile app

   Select the account, then Account and Routing Numbers. PNC sends a one-time passcode before showing the full number.

2. 2

   Or sign on to Online Banking

   Select the checking or savings account, then View Account/Routing Number below the account name.

3. 3

   Or read the bottom of a check

   Routing number first, nine digits; the PNC account number second, eleven digits.

4. 4

   No chequebook? Use a posted check

   Open a posted check in Online Banking and read both numbers off the image.

The repository snapshot contains 89 routing entries under PNC Bank, National Association, and every one passes the ABA check-digit test. That test can catch many transcription errors, but it does not tell you which valid PNC number belongs to your account.

The Federal Reserve key organizes routing symbols by Reserve district and office. It also identifies a parallel range for thrifts and credit unions: in Districts 1 through 9, those routing numbers begin with 2. Those structural rules do not explain which historical entry belongs to a PNC customer.

In the repository snapshot, PNC’s 89 entries span routing prefixes associated with seven of the twelve districts: twenty begin 06, sixteen begin 07, fifteen begin 04, and eighteen are in the 23, 24, 26, 27 and 28 thrift ranges. This describes the file, not a customer routing guide.

0430

Fed routing symbol — District 4, Pittsburgh office

0009

Institution identifier for PNC Bank

6

Check digit used by the ABA checksum

Figures as published in PNC’s Consumer Schedule of Service Charges and Fees, effective 31 May 2026. Performance Select Checking pays no PNC fee for incoming or outgoing domestic wires; other listed consumer accounts pay the rates below.

PNC lists foreign-currency exchange as “dependent upon current applicable PNC exchange rate” and says incidental or correspondent-bank costs may also apply. Ask for the current rate and total charges before authorizing a transfer.

For an incoming international wire, PNC instructs the sender to use your account number and PNC’s SWIFT code, PNCCUS33, which its wire page also calls a routing BIC.

• Outbound: 180+ countries, in US dollars or one of 20+ foreign currencies.
• Inbound: your account number plus PNCCUS33 — PNC asks senders to verify details with you rather than reuse an old record.
• A domestic wire needs four things: name, address, US routing number, account number.

For ten Latin American countries — Mexico, the Dominican Republic, Guatemala, El Salvador, Honduras, Panama, Colombia, Ecuador, Peru and Bolivia — PNC runs a cheaper remittance product instead: $5 from the app, $10 in a branch, expected within one business day, free to cancel within thirty minutes.

Most employers want two numbers and nothing else — PNC’s own wording is that “some employers only need your full account and routing number”. Give the number on your account, not 043000096. The app also has a Manage Direct Deposit flow that finds your payroll provider and files the switch for you.

PNC’s current direct-deposit page says funds are available when deposited, usually at midnight on payday. A new setup can still take from a day to a few weeks depending on the payer.

• For direct deposit, provide the routing and account numbers PNC displays for your account.
• For an incoming domestic wire, PNC publishes routing number 043000096.
• For an incoming international wire, PNC publishes SWIFT code PNCCUS33.