How to close PNC bank account? A complete guide in 2023

It is simple to close your PNC Bank account. You can do it in person by visiting a local branch, phoning customer care, or filing an online request through your PNC online banking site.

To close your account, you must submit specific information, such as your name, address, social security number, and date of birth. In addition, when you close your PNC bank account, you must pay a $25 account termination charge. There will be no fee if you close the account within 180 days of opening it.

If you're leaving PNC Bank, consider DNBC Financial Group services instead. It is a cheap and simple way to transfer money over the world, from or to 170 nations and territories. We have both personal and business accounts for you to choose from. More on it later; for now, let's look at how to close the PNC bank account.

How to close PNC bank account? A complete guide in 2023

First, we take a quick look at PNC Bank open bank account, requirements to open a PNC Bank Account

Only US nationals over the age of 18 are eligible to open a PNC Bank account online. Other new consumers will have to go to their local branch. A legitimate address in the United States, as well as two kinds of identification, are required. It should be mentioned that only three types of identification are accepted by online applications:

• Driver's licenses in the United States
• IDs issued by the state
• Military identification cards

Next, we’ll find out methods of closing the PNC bank account

How to close PNC bank account

In-Person At Branch: The simplest method is to visit a local branch and ask a banker to assist you with the procedure. You may have varied reasons for wanting to shut your PNC checking account, so make sure to inform the representative so they can assist you in resolving those difficulties.

Phone: If calling PNC customer care is more convenient for you, do so. Customer care representatives are usually available around the clock and will be pleased to hear from you and walk you through the process of canceling your bank account.

Semi-Online: Another excellent option is online banking: simply connect to your account dashboard and select the "Close Account" button. You will only need to submit basic information like your name and address. Then, to complete the transaction, you must call customer service.

5 steps to close PNC bank account

Closing an account at PNC Bank doesn’t have to be difficult if you properly follow these five procedures. Remember to gather all required documentation ahead of time and to keep track of existing and new accounts after filing your request.

Nothing will fall between the gaps this way. Finally, if you have any problems or queries, contact customer service.

This tutorial was developed to make the procedure as easy and stress-free as possible. To terminate your PNC Bank account online, follow these five steps.

Collect Important Documents

Before you begin, you must obtain all of the relevant documentation. The following items are included:

• Identification from the government, such as a driver's license, passport, or state ID card
• Social Security Number
• Your postal and phone numbers, as well as your email address
• Any unpaid checks or deposits
• A copy of your most recent statement or checkbook register

Request Account Closure Using the PNC Portal

Then, using your user ID and password, log in to your PNC Bank online banking account. After logging in, go to the "Accounts" tab and choose "Close Accounts & Cards" from the dropdown menu.

Select the type of account you want to close (in this case, a checking account) from the drop-down menu.

Select A Funding Disbursement Option

If money remains in your account after you close it, you must specify how it should be distributed.

You have two choices: direct deposit or paper check. Direct deposit transfers funds immediately into another PNC Bank qualifying account between 1-3 business days.

The bank will mail a check to the address on your account within 7-10 business days if you choose the paper check option.

Verify Details & Submit Request

Finally, before submitting your request, double-check all of the information supplied. When you submit your request, the bank will send you a confirmation message.

The closure procedure may take several business days depending on the account type and in-process transaction. As a result, give this step enough time before anticipating any changes to take effect on your accounts or cards.

Contact PNC Customer Service

After filing your request to close an account via the PNC Bank online banking interface, you must monitor your previous account for any abnormalities, such as unlawful transactions or erroneous balance information.

What Happens If Your Account Is Closed By PNC Bank?

If PNC Bank has closed your account, it is critical that you understand why this occurred and your alternatives for resolving the situation.

Security or regulatory organizations may have highlighted your account in some situations owing to suspected activity or other abnormalities.

However, there may be additional circumstances that lead to account cancellation, therefore let's look at some common ones:

You haven't used the account in a long time—If you haven't deposited funds into your PNC Bank savings or checking accounts in several months, the bank may place them on dormancy. This is referred to as "dormant status" and is meant to prevent accounts from being exploited fraudulently.

You have a negative balance—If you don’t keep an adequate balance in your PNC Bank account, you may be unable to access or use the funds. In some situations, this may result in the closure of your account entirely. If this is the case, make sure to pay it on time to avoid harming your credit score.

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