PNC Bank routing numbers

The ACH and direct-deposit number depends on the U.S. state where you opened your account; domestic wires use 043 000 096. The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Yes. PNC Bank assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a PNC Bank check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.

Your routing number is the first 9 digits in the bottom-left of a PNC Bank check, or in your online and mobile banking under account or routing details. You can also call the number on the back of your card. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Per PNC Consumer Schedule of Service Charges and Fees (checked July 6, 2026), for PNC consumer accounts (Standard Checking schedule, effective August 17, 2025; PNC's consumer wire table is shared across checking products): domestic wire — self-service (online) $25 each; domestic wire — agent-assisted $30 each; international wire — self-service, in usd $40 each (agent-assisted international is $50); international wire — self-service, in foreign currency $5 each (via International Money Transfer where available; exchange-rate spread applies); incoming wire — domestic or international $15 each. Fees vary by account type — confirm your own account's fee schedule before sending.

PNC Bank, National Association is a bank headquartered in Wilmington, DE.

Every number passes the standard ABA checksum. 1 number is confirmed against an official PNC Bank source. 133 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with PNC Bank before sending money.

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by PNC Bank, National Association.