PNC Bank's wire routing number depends on which state your account is in
PNC Bank does not use a single routing number for all wire transfers. The number you need is determined by the state where your account was opened or is maintained. PNC operates under different routing numbers in different regions, so you must identify your account's home state first.
The most common PNC wire routing number is 043000096, which covers accounts in many states including Pennsylvania, New Jersey, Ohio, Kentucky, Indiana, and others. However, if your account is in Florida, Georgia, or North Carolina, the routing number is different. If your account is in Delaware or Nevada, you will have a third routing number.
Using the wrong routing number will not send your money to the wrong place — the Federal Reserve will reject the transfer or route it back to you — but it will delay your wire by one or more business days. Getting it right the first time means your money arrives on schedule.
Key Takeaways
- PNC Bank's wire routing number is 043000096 for most states, but Florida, Georgia, and North Carolina accounts use a different number.
- Your account's home state determines which routing number you use, not the state where you are sending money from.
- You can find your correct routing number on the bottom left of your checks, in your online banking portal, or by calling PNC customer service.
- The routing number for wire transfers is different from the routing number for ACH transfers (direct deposit, bill pay), so do not assume they are the same.
Where to find your PNC wire routing number
The fastest way to find your routing number is to look at a check from your PNC account. The nine-digit number on the bottom left of the check, before your account number, is your routing number. This number is printed on every check PNC issues, so if you have even one check in your possession, you have the answer.
If you do not have a check, log into your PNC online banking account and go to the Account Information or Account Details section. Most banks display the routing number alongside your account number in this area. The exact location varies depending on whether you use PNC's website or mobile app, but it is usually under a heading like "Account Details" or "Routing and Account Information."
You can also call PNC customer service at 1-888-762-2265 and ask for your wire routing number. Have your account number ready when you call. A representative will confirm your account's home state and give you the correct number over the phone.
The difference between wire routing numbers and ACH routing numbers
PNC uses different routing numbers for wire transfers and for ACH transfers (the system used for direct deposit, bill pay, and transfers between banks). If you are setting up a wire transfer, you must use the wire routing number, not the ACH routing number. Using the ACH number for a wire will cause the transfer to fail.
The wire routing number is the one printed on your checks. The ACH routing number is different and is used only for automated clearing house transactions. When you set up direct deposit at your employer or arrange bill pay through PNC, you use the ACH number. When you send a wire transfer, you use the wire number.
If you are unsure which number to use, ask the person or organization receiving your wire transfer. They will tell you whether they need a routing number and which type. If they ask for a "routing number" without specifying, it is safe to assume they mean the wire routing number.
PNC wire routing numbers by state
| State or Region | Wire Routing Number |
|---|---|
| Pennsylvania, New Jersey, Ohio, Kentucky, Indiana, and most other states | 043000096 |
| Florida | 043000124 |
| Georgia | 043000125 |
| North Carolina | 043000126 |
| Delaware, Nevada | 043000127 |
This table covers the most common PNC wire routing numbers. If your state is not listed, it almost certainly uses 043000096. PNC's footprint has expanded over the years through acquisitions, and most acquired banks were consolidated under the main routing number.
If you are not certain which state your account belongs to, check your account paperwork or log into online banking. The state listed on your account opening documents or in your profile is the one that determines your routing number, even if you have moved since opening the account.
What information you need to send a wire transfer
To send a wire from your PNC account, you will need to provide your bank with the recipient's information. Have the following details ready before you contact PNC or log into online banking to initiate the transfer:
- The recipient's full name, exactly as it appears on their bank account
- The recipient's bank name and location
- The recipient's account number
- The recipient's bank's routing number (not PNC's routing number)
- The amount you want to transfer
- The reason for the transfer (optional but helpful for record-keeping)
PNC charges a fee for outgoing wire transfers. The fee varies depending on whether the wire is domestic (within the United States) or international. Check your account agreement or call customer service to confirm the current fee before you send the wire.
How to send a wire transfer through PNC
You can send a wire transfer through PNC online, through the mobile app, or by calling customer service. Online and mobile transfers are usually processed the same business day if you submit them before the cutoff time, which is typically 2 p.m. Eastern Time on business days.
To send a wire online, log into your PNC account, find the Wire Transfer or Send Money section, and select "Send a Wire." You will enter the recipient's information, the amount, and your PNC account to debit. Review all details carefully before confirming, because wire transfers cannot be reversed once they leave PNC's system.
If you prefer to send a wire by phone, call PNC at 1-888-762-2265 and ask to speak with a representative who handles wire transfers. They will walk you through the process and confirm all details before processing the transfer. Phone wires may take longer to process than online wires.
Common mistakes when sending a PNC wire transfer
The most common mistake is entering the recipient's routing number incorrectly. A single digit wrong will send the wire to the wrong bank, and recovering the money can take weeks. Double-check the routing number against the document where you found it before submitting the transfer.
Another frequent error is transposing digits in the recipient's account number. Like a wrong routing number, this will send the money to the wrong account at the correct bank. Ask the recipient to read the account number to you out loud, or have them send it to you in writing, so you can enter it exactly.
A third mistake is missing the cutoff time. If you submit a wire after 2 p.m. Eastern Time on a business day, it will not process until the next business day. If you submit it on a Friday after 2 p.m., it will not leave until Monday. Plan ahead if you need the money to arrive by a specific date.
Frequently Asked Questions
Is PNC's wire routing number the same as the routing number on my checks?
Yes. The nine-digit number printed on the bottom left of your PNC checks is your wire routing number. It is the same number you use to send a wire transfer from your account.
Can I use my PNC wire routing number for direct deposit at my job?
No. Direct deposit uses the ACH routing number, which is different from the wire routing number. Ask your employer or payroll department which routing number they need, or contact PNC to confirm your ACH routing number.
What happens if I use the wrong routing number for a wire?
The wire will either be rejected by the Federal Reserve or routed to the wrong bank. Either way, the transfer will not reach the intended recipient on time. Contact PNC when ready if you realize you used the wrong number, and ask whether the wire can be recalled.
How long does a PNC wire transfer take?
Domestic wire transfers sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Transfers sent after the cutoff or on weekends and holidays will process the next business day. International wires typically take one to three business days.
Does PNC charge a fee to send a wire transfer?
Yes. PNC charges a fee for outgoing wire transfers. The amount depends on whether the wire is domestic or international. Check your account agreement or call PNC customer service at 1-888-762-2265 to confirm the current fee.