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PNC ATM fees can be a significant concern for bank customers. PNC Bank charges a fee for using non-PNC ATMs, which can range from $2.50 to $3.00 per transaction, depending on the location.
If you're a PNC Bank customer, you can avoid these fees by using PNC ATMs or other ATMs within the MoneyPass network, which offers surcharge-free transactions.
Additionally, PNC Bank offers several options for waiving ATM fees, including maintaining a minimum balance in your account and using your PNC debit card for purchases.
PNC Fees Explained
PNC Bank does not charge its account holders for using their ATMs, but they do charge to have the funds transferred to other ATMs.
Their fees are per withdrawal, deposit, transfer, and inquiry, so be careful.
PNC Bank account holders are charged $3.00 each for using non-PNC Bank ATMs in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands.
Non-PNC Bank ATM fees are $5.00 each for countries other than the ones mentioned above.
You're allowed 2 reimbursements for non-PNC ATM fees per statement period.
PNC Virtual Wallet with Performance Spend account holders pay $3 for out-of-network ATM transactions.
You can get reimbursed for up to 2 out-of-network ATM owner surcharge fees per month.
Foreign ATM fees are 3% of the transaction amount, plus a flat fee of $5.
A VISA debit card is included with PNC Virtual Wallet with Performance Spend accounts.
The foreign transaction fee for debit card transactions is 3% of the transaction amount.
Avoiding PNC Fees
If you're a PNC Bank account holder, you're in luck - PNC Bank doesn't charge its account holders for using their ATMs. However, they do charge to have the funds transferred to other ATMs, so be careful with your withdrawals, deposits, transfers, and inquiries.
To avoid PNC fees, consider choosing a bank that doesn't charge ATM or overdraft fees. Not all banks are like this, so do your research and find a bank that fits your needs.
Here are some tips to help you avoid PNC fees:
- Use PNC Bank's ATM locator to find easily accessible ATMs. This way, you can withdraw money without incurring fees.
- Withdraw more money at once to reduce the number of times you visit an ATM and pay multiple fees.
- Make sure your account has enough money to avoid non-sufficient funds fees when withdrawing money.
PNC Virtual Wallet with Performance Spend has some fees you should be aware of:
If you need to use a non-PNC Bank ATM, be aware that PNC Bank will charge you $3.00 in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands, and $5.00 in all other countries.
PNC Refund Options
PNC Bank doesn't charge its account holders for using their ATMs, but they do charge for transferring funds to other ATMs. This fee is per withdrawal, deposit, transfer, and inquiry.
If you're not careful, you could end up with a hefty bill from PNC Bank. Their fees are assessed to transfer funds from your account to another location.
PNC Bank charges $3 for out-of-network ATM fees, according to a list of national banks' ATM fees. This is a bit higher than some other banks, but it's still a fee you should be aware of.
You can seek a refund from PNC Bank if you're charged an ATM fee, but it's not explicitly mentioned if they offer a fee waiver or refund.
Here's a list of other banks that may offer a fee waiver or refund, including PNC Bank's competitors:
- Citizen's Bank Overdrafts
- Wells Fargo Overdrafts
- Paypal Transfers
- Chase Banks Overdrafts
- TD Bank Overdrafts
- Fifth Third Bank Overdrafts
- Bank of America Overdrafts and ATM fees
PNC Virtual Wallet
PNC Virtual Wallet offers a convenient way to manage your finances, but it's essential to understand the associated fees.
PNC Virtual Wallet account holders don't pay fees for using PNC Bank ATMs, but they do charge for transferring funds to other ATMs.
If you use an out-of-network ATM, you'll be charged a $3 fee, but PNC will rebate up to 2 transactions per month of the ATM owner's surcharge.
The PNC Virtual Wallet debit card is a VISA card, which means you'll be charged a 3% foreign transaction fee, plus a $5 fee, when using an ATM abroad.
To help you navigate these fees, here's a summary of PNC Virtual Wallet's ATM fees:
Understanding PNC Fees
PNC Bank doesn't charge its account holders for using their ATMs, but they do charge to have the funds transferred to other ATMs. Their fees are per withdrawal, deposit, transfer, and inquiry.
If you use a non-PNC Bank ATM, you can expect to pay a fee, which varies depending on the location. In the United States, Canada, Puerto Rico, and the U.S. Virgin Islands, the fee is $3.00, while in all other countries, it's $5.00.
Here's a breakdown of the fees you might incur when using a non-PNC Bank ATM:
- At non-PNC Bank ATMs in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands: $3.00 each
- At non-PNC Bank ATMs in all other countries: $5.00 each
- Number of reimbursements for non-PNC ATM Fees: 2 per statement period
- Other Financial Institutions' ATM Surcharge Fees Reimbursed up to $5.00 at the end of the statement period.
Note that if you have a PNC Virtual Wallet with Performance Spend, you won't be charged for in-network ATM transactions, but you will be charged $3 for out-of-network ATM transactions.
PNC Debit Card Cash Advance Fee
The PNC Debit Card Cash Advance Fee is a flat rate of $3.00 when you obtain funds at a PNC Bank branch. This fee is significantly lower than the $5.00 fee charged by other financial institutions that accept Visa.
You can avoid these fees altogether by obtaining funds from a check at the bank or from inside the bank at the tellers.
If you do need to make a cash advance, be aware that international purchases and cash advances also incur a fee of 3% of the transaction amount.
Here's a breakdown of the fees you can expect to pay:
Types of PNC Fees
PNC Bank charges its account holders for using non-PNC Bank ATMs, with fees of $3.00 in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands, and $5.00 in all other countries.
There are two separate fees you may incur when using a non-PNC Bank ATM: one from your bank (or credit union) for using the ATM, and another from the ATM provider itself.
PNC Bank account holders are also charged per withdrawal, deposit, transfer, and inquiry when using non-PNC Bank ATMs.
If you're a PNC Virtual Wallet with Performance Spend customer, you won't be charged a fee for using in-network ATMs, but you will be charged $3 for out-of-network ATM transactions, with a rebate of up to two transactions per month.
International ATM fees with PNC Bank are 3% of the transaction amount, plus a flat fee of $5.
Here's a breakdown of the types of PNC fees you may encounter:
Frequently Asked Questions
Does PNC no longer reimburse ATM fees?
No, PNC still reimburses ATM fees for eligible customers, including those with Performance Checking, Performance Select Checking, and Free Checking accounts with a high average monthly balance. Eligibility requirements apply, so check your account details for more information.
How much are non-customer ATM fees?
Non-customer ATM fees average $4.73 per transaction, a 1.5% increase from the previous year. Check your bank's policies to avoid these fees and find more affordable options.
Why would a bank charge a fee to non customers who use its ATM?
Banks charge a fee to non-customers who use their ATMs to recoup maintenance and operating costs. This fee is called a "surcharge fee
What ATM fees are waived for PNC?
PNC cardholders have fee-free access to over 55,000 Partner ATMs nationwide. This includes ATMs at 7-Eleven stores and Allpoint ATMs, some with cash deposit functionality.
What ATM will not charge a fee?
ATMs at stores like Walgreens, 7-Eleven, Target, Circle K, and CVS Pharmacy will not charge a fee for withdrawals
Sources
- https://donotpay.com/learn/pnc-bank-atm-fee/
- https://wallethub.com/b/pnc-virtual-wallet-with-performance-spend-1001040b
- https://www.businessinsider.com/personal-finance/banking/bank-atm-fees
- https://www.lanereport.com/115505/2019/07/pnc-bank-expands-no-surcharge-atm-access-for-customers-nationwide-at-7-eleven-stores/
- https://www.discover.com/online-banking/banking-topics/get-cash-without-paying-an-atm-fee-with-these-4-tips/
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