PNC's wire routing number is 043000096
When you send a wire transfer through PNC Bank, you use 043000096 as the routing number. This nine-digit code tells the Federal Reserve and other banks where to send your money. PNC uses the same routing number for all wire transfers, regardless of which branch you bank at or which state you live in.
The routing number is different from your account number. Your account number identifies which specific PNC account the money goes into; the routing number identifies PNC itself as the receiving bank. You will need both pieces of information to complete a wire transfer to your PNC account.
Key Takeaways
- PNC's wire routing number is 043000096, and it is the same for all PNC customers and all branches.
- You provide this routing number to someone else who is sending you money by wire, not when you are sending money out.
- Your account number must accompany the routing number so the wire reaches the correct account inside PNC.
- You can find your account number on your debit card, checks, or by logging into PNC Online Banking.
When to give out PNC's wire routing number
You give PNC's routing number to someone who is sending you money by wire transfer. This might be your employer sending a paycheck, a family member sending funds, or a business paying an invoice. They will ask you for the routing number and your account number so they can instruct their bank to move the money to your PNC account.
Do not give out your routing number when you are the one sending money. When you initiate a wire transfer from your PNC account to someone else, you will provide their bank's routing number and their account number instead.
Where to find your PNC account number
Your account number appears in several places. The easiest is the bottom left of any check you have — it is the middle set of numbers between the routing number and the check number. If you do not have checks, look at your PNC debit card; the account number is printed on the front or back depending on your card design.
You can also find your account number by logging into PNC Online Banking or the PNC Mobile App. Once you are signed in, your account number will display on your account summary page. If you cannot locate it, call PNC customer service at 1-800-PNC-BANK (1-800-762-2265) and they will provide it over the phone.
How to provide your information safely
When you share your routing number and account number with someone, you are sharing the same information that appears on your checks — information that is already semi-public. However, you should still be cautious about who you give it to. Only provide these details to people or organizations you trust.
Never share your PIN, password, or full debit card number along with your routing and account numbers. The routing number and account number alone are sufficient for someone to send you money. If someone asks for additional security information to send you a wire, that is a red flag.
What happens after you provide the information
Once you give someone your routing number and account number, they will enter this information into their bank's wire transfer system. Their bank will send the wire to the Federal Reserve, which routes it to PNC using the routing number 043000096. PNC then deposits the funds into the account number you provided.
Wire transfers typically arrive within one business day, though some arrive the same day if sent early enough. You will see the deposit in your PNC account once it arrives. PNC will not hold the funds or require you to take any action — the money is yours to use when ready.
Wire routing number versus ACH routing number
PNC has different routing numbers depending on the type of transfer. The wire routing number is 043000096. If someone is sending you money through an ACH transfer (a slower, cheaper method often used for payroll or bill payments), they may need a different routing number depending on which PNC region you bank in.
When someone asks you for a routing number, ask them whether they are sending a wire transfer or an ACH transfer. If it is a wire, give them 043000096. If it is an ACH transfer, you can provide the same number or check your PNC statements and online banking, which may list an ACH-specific routing number for your region. Most of the time, 043000096 works for both, but confirming with the sender prevents delays.
Frequently Asked Questions
Can I use PNC's wire routing number to send money out of my account?
No. You use PNC's routing number only when someone is sending money to you. When you send a wire from your PNC account, you provide the receiving bank's routing number and the recipient's account number. Your PNC banker or online banking platform will guide you through entering that information.
Is 043000096 the same for every PNC customer?
Yes. All PNC customers use the same wire routing number regardless of which branch they use, which state they live in, or what type of account they have. The routing number identifies PNC as the bank; your account number identifies your specific account within PNC.
What if I give someone the wrong account number with the correct routing number?
The wire will go to PNC, but it will land in the wrong account. Contact PNC when ready and explain the error. PNC can sometimes recover the funds, but the process takes time. It is better to double-check your account number before giving it out.
Do I need to do anything to receive a wire transfer?
No. Once you provide your routing number and account number, the sender's bank handles everything. The money arrives in your account automatically, and you do not need to take any steps to accept it or set up it.
What if I do not have a PNC account yet but need to receive a wire?
You must open a PNC account before you can receive a wire transfer to PNC. Once your account is open, you will receive an account number, and you can then provide that number along with the routing number 043000096 to anyone sending you money.