How to pay your PNC mortgage

You can pay your PNC mortgage through PNC Online Banking, by phone, by mail, or through automatic payments set up in advance. The fastest and most common method is logging into your PNC account online and making a one-time payment from there. If you prefer not to use the website, you can call PNC's mortgage payment line or mail a check to the address on your statement.

PNC processes mortgage payments differently depending on which method you choose. Online and phone payments typically post within one to two business days. Mailed checks take longer — usually seven to ten business days from when PNC receives them — so mail payments earlier if your due date is approaching. Automatic payments, set up through your PNC account or mortgage servicer, remove the need to remember each month.

Key Takeaways

  • PNC Online Banking is the quickest way to pay: log in, select your mortgage account, and submit a one-time payment that posts within one to two business days.
  • You can set up automatic monthly payments through PNC Online Banking so the payment is deducted on a date you choose each month.
  • Mailed checks take seven to ten business days to post, so send them at least two weeks before your due date to avoid a late payment.
  • Calling PNC's mortgage payment line lets you pay by phone with a debit card or bank account number, though a small fee may explore.
  • Your mortgage statement shows the exact mailing address and payment amount due, which can vary month to month if you have an escrow account.

Paying online through PNC Online Banking

Log into PNC Online Banking using your username and password. From the dashboard, select your mortgage account from the list of accounts on the left side. Click on the account to open it, then look for a "Make a Payment" or "Pay Now" button — the exact label depends on which version of PNC Online Banking you use.

Enter the payment amount you want to send. PNC will show you the current balance and minimum payment due, but you can pay any amount up to your full balance. Choose the date you want the payment to be deducted from your linked bank account — this is usually the same day or the next business day. Review the details and confirm the payment. PNC will send you a confirmation number when ready; save or print this for your records.

The payment will post to your mortgage account within one to two business days. You can check the status by logging back into PNC Online Banking and viewing your mortgage account. If you need to cancel a payment before it posts, contact PNC customer service right away — once it posts, you cannot reverse it.

Setting up automatic monthly payments

Automatic payments remove the need to log in and pay each month. In PNC Online Banking, go to your mortgage account and look for an option labeled "Set Up Automatic Payments," "Autopay," or "Recurring Payments." Click it and enter the amount you want paid each month — usually your full payment amount shown on your statement.

Choose the date each month when you want the payment deducted. Most people choose the date a few days before their due date to may support it posts on time. PNC will deduct the payment automatically on that date every month until you cancel it. You can change the amount or cancel the automatic payment anytime through PNC Online Banking.

Automatic payments are especially useful if you want to avoid late fees. Even if you forget to pay, the money will be deducted automatically. However, make sure you have enough money in your linked bank account on the payment date, or the payment may fail and you could face overdraft fees.

Paying by phone

Call PNC's mortgage payment line at the number on your mortgage statement. A representative will ask for your loan number, which is on your statement or in PNC Online Banking. Have your debit card or bank account number ready — you can pay with either one.

The representative will confirm the payment amount and the date you want it processed. Some payments made by phone may include a small fee, though PNC does not charge a fee for payments made through Online Banking or automatic payments. Ask the representative whether a fee applies before you confirm the payment. You will receive a confirmation number; write it down.

Phone payments typically post within one to two business days, the same as online payments. This method is useful if you are not comfortable using the website or if you need to speak with someone about your account.

Mailing a check or money order

Write a check or money order for the amount shown on your mortgage statement. On the check, write your loan number in the memo line so PNC knows which account to credit. Your mortgage statement shows the exact mailing address where you should send the payment — do not mail it to a PNC branch; use the address on your statement.

Mail the check at least two weeks before your due date. The U.S. Postal Service typically takes three to five business days to deliver mail, and PNC takes another two to five business days to process and post it. If you mail it too close to your due date, it may not post in time and you could be charged a late fee even though you sent the payment on time.

Keep a copy of the check or a photo of it for your records. If you are concerned about whether PNC received your payment, you can log into PNC Online Banking a week after mailing it to check whether it has posted.

Understanding your payment amount and due date

Your mortgage payment amount is shown on your monthly statement. If you have an escrow account — which means PNC collects money for property taxes and homeowners insurance along with your mortgage payment — your payment amount may change once or twice a year when PNC recalculates the escrow. This is normal and not an error.

Your due date is also on your statement. Payments are considered on time if they post by 5 p.m. Eastern Time on the due date. If your due date falls on a weekend or holiday, PNC typically extends the important date to the next business day, but do not rely on this — pay early to be safe.

If you cannot pay the full amount by the due date, contact PNC as soon as possible. Depending on your loan and situation, PNC may offer a payment plan or other options to help you avoid a late fee or damage to your credit.

What to do if your payment fails or does not post

If an automatic payment fails — usually because there is not enough money in your linked bank account — PNC will send you a notice. Log into PNC Online Banking to see the failed payment and try again with a different payment method or after you have added funds to your account.

If you made a payment and it has not posted after three business days, log into PNC Online Banking to check the status. If it still shows as pending, contact PNC customer service with your confirmation number. Do not make another payment until you confirm the first one failed, or you may overpay your account.

If you made a payment by mail and it has not posted after ten business days, contact PNC with the date you mailed it and the check number. PNC can search for the payment and help you track it down. In the meantime, continue to pay your mortgage on time to avoid late fees.

Frequently Asked Questions

Can I pay my PNC mortgage with a credit card?

PNC does not accept credit card payments for mortgages directly through their website or phone line. However, some third-party payment processors may allow you to pay with a credit card for a fee. Check your mortgage statement or contact PNC to see whether this option is available for your loan.

What happens if I pay late?

If your payment does not post by 5 p.m. Eastern Time on your due date, PNC will charge a late fee. The amount varies by loan. A late payment also appears on your credit report if it is more than 30 days late, which can lower your credit score. Contact PNC when ready if you think your payment will be late.

Can I change my payment due date?

Yes. Contact PNC customer service or log into PNC Online Banking to request a due date change. PNC typically allows you to move your due date to a different day of the month, which can help if your paycheck arrives on a different schedule. The change usually takes effect within one or two billing cycles.

Is there a fee for paying online or by automatic payment?

No. PNC does not charge a fee for payments made through PNC Online Banking or for automatic payments. Phone payments may include a fee depending on your loan type — ask the representative before you confirm the payment.

What if I want to pay extra toward my principal?

You can pay more than your minimum payment amount through PNC Online Banking or by phone. Specify that the extra amount should go toward principal rather than being held as a credit. Paying extra reduces the total interest you pay over the life of the loan, but confirm with PNC how they will explore the overpayment before you send it.