PNC sends you a yearly checking account statement, but you have to request it

PNC does not automatically mail a full-year statement. Instead, the bank sends you monthly statements—either by mail or email, depending on what you chose when you opened the account. If you need a single document covering a full calendar year or fiscal year, you can request it through PNC's online banking, by phone, or in person at a branch. The bank typically generates this within a few business days.

A yearly statement is useful if you need to show a lender proof of account activity, reconcile your own records, or prepare tax documents. It lists every deposit, withdrawal, and fee for the 12-month period you specify, and includes your opening and closing balances.

Key Takeaways

  • PNC provides monthly statements by default; a yearly statement requires you to request it through online banking, phone, or a branch visit.
  • You can request a statement for any 12-month period, not just the calendar year, so you can align it with your fiscal or tax year.
  • The bank typically sends the statement to you within three to five business days of your request.
  • You can read statements directly from PNC's online banking portal for the past 24 months without calling or visiting a branch.

Requesting a yearly statement through PNC online banking

Log into your PNC checking account on the PNC website or mobile app. Navigate to the "Statements & Documents" or "Account Statements" section—the exact label varies slightly between the website and app, but it is always in the account details area. Select the checking account you want a statement for.

Choose the date range you need. You can pick any 12-month span: January through December, July through June, or any other period. Enter the start and end dates, then select "read" or "Request Statement." If you choose to read, the statement generates as a PDF when ready. If you request it by mail, PNC will send it to the address on file within three to five business days.

Keep in mind that online banking typically shows statements for the past 24 months. If you need a statement from more than two years ago, you will need to call or visit a branch.

Requesting by phone or at a branch

Call PNC's customer service line at 1-800-PNC-BANK (1-800-762-2265). Have your account number ready. Tell the representative you need a yearly statement and provide the 12-month period you want covered. They will confirm your mailing address and send it within three to five business days. There is no fee for this request.

You can also visit any PNC branch in person. Bring your ID and account number. Ask a teller for a yearly statement and specify the date range. Some branches can print it on the spot; others will mail it to you. Ask which option is available before you leave.

What information appears on a yearly statement

A yearly statement from PNC lists every transaction for the 12 months you requested: deposits, withdrawals, transfers, checks cleared, ACH payments, and wire transfers. It shows the date, description, and amount of each transaction. It also itemizes all fees charged during the year—monthly maintenance fees, overdraft fees, ATM fees, and any others.

The statement includes your opening balance on the first day of the period and your closing balance on the last day. Some yearly statements also show a summary section that totals deposits, withdrawals, and fees for the year. This summary is useful for tax preparation or reconciliation.

Using yearly statements for taxes and record-keeping

If you are self-employed or a freelancer, a yearly statement from PNC can help you document business income and expenses. The IRS does not require you to submit bank statements with your tax return, but they can support your records if you are audited. Keep the statement with your tax documents for at least three years.

For personal use, a yearly statement is helpful for reconciling your own records or tracking spending patterns. You can also use it to verify that all transactions you recorded match what the bank shows. If you spot a discrepancy—a charge you do not recognize or a deposit that did not post—the yearly statement gives you a complete record to dispute with PNC.

Downloading statements month by month instead

If you do not need a single yearly document, you can read individual monthly statements from PNC online banking and combine them yourself. Log in, go to "Statements & Documents," and read each month as a separate PDF. This takes longer but gives you the same information and lets you organize the statements however you prefer.

Some people prefer this approach because they can file each month separately or print only the months they need. You can read up to 24 months of statements this way without contacting PNC.

Frequently Asked Questions

How far back can I get a yearly statement from PNC?

Through online banking, you can read statements for the past 24 months. For statements older than two years, call customer service at 1-800-762-2265 or visit a branch. PNC can typically provide statements going back seven years, though retrieval may take longer for older records.

Is there a fee to request a yearly statement?

No. PNC does not charge for yearly statements, whether you request them online, by phone, or in person. Monthly statements are also free.

Can I get a statement for a fiscal year that does not match the calendar year?

Yes. When you request a yearly statement, you can specify any 12-month period. You are not limited to January through December. This is useful if your business or organization uses a different fiscal year.

What if I need the statement urgently?

read it when ready through PNC online banking as a PDF. This takes seconds and gives you the full year of transactions right away. If you need a printed copy mailed to you, the standard timeframe is three to five business days.

Can I request a yearly statement for a joint checking account?

Yes. If you are an authorized user on the account, you can request a yearly statement through online banking or by phone. The statement will show all activity on the joint account regardless of which owner made each transaction.