Your account number is on your debit card, checks, and online banking

Your PNC checking account number is a unique identifier for your specific account. You can find it in several places without calling the bank or visiting a branch. The fastest way is to look at your debit card, your checkbook, or log into your PNC online banking account.

PNC uses a 10-digit account number for most checking accounts. It appears in the same places across all their accounts, so once you know where to look, you can find it whenever you need it.

Key Takeaways

  • Your PNC account number is printed on the front of your debit card, usually below your name or in the lower right corner.
  • If you have checks, the account number appears on the bottom left of each check, after the routing number.
  • You can view your account number by logging into PNC Online Banking or the PNC Mobile App under your account details.
  • You will need your account number to set up direct deposit, wire money, or give to employers and other organizations.

Finding your account number on your debit card

The simplest place to look is your PNC debit card. Your account number is printed on the front of the card, usually in the lower right corner or below your name. It is a 10-digit number separate from your 16-digit card number (which is the long number that runs across the middle of the card).

If your debit card is lost, damaged, or you have not received one yet, you can use one of the other methods below. A replacement card takes about 7 to 10 business days to arrive by mail.

Finding your account number on a check

If you have a checkbook, your account number is printed on every check. Look at the bottom of the check. You will see three sets of numbers separated by colons or vertical lines. The first set is your routing number (9 digits), the second set is your account number (10 digits), and the third set is your check number.

The account number is always in the middle. It starts right after the routing number and before your check number. You do not need to write a check to find this information — just open your checkbook and look at any check.

Viewing your account number in PNC Online Banking

Log into your PNC Online Banking account on the PNC website or through the PNC Mobile App. Once you are logged in, go to your account summary or account details page. Your account number will be listed there alongside your account type and balance.

If you do not remember your online banking password, you can reset it on the PNC login page. You will need your username and the answers to your security questions, or you can verify your identity using your Social Security number and other personal information.

Calling PNC to confirm your account number

If you cannot find your account number using the methods above, you can call PNC Customer Service at 1-800-PNC-BANK (1-800-762-2265). Have your identification ready — they will ask for your name, date of birth, and the last four digits of your Social Security number to verify who you are.

Wait times vary depending on the time of day and how busy the branch is. Calling early in the morning on a weekday usually means shorter wait times. You can also visit a PNC branch in person with a photo ID, and a teller can provide your account number when ready.

Why you need your account number

Your account number is required for several common banking tasks. Employers need it to set up direct deposit of your paycheck. If you want to send money to someone else's account or receive a wire transfer, you will need to provide your account number and routing number. Creditors and service providers also ask for it when you set up automatic payments from your checking account.

Keep your account number private, just as you would your debit card number. Do not share it in emails or texts, and only provide it to organizations you trust. Your account number alone cannot be used to withdraw money, but combined with your routing number it can be used to set up transfers.

What to do if you cannot access your account

If you are locked out of your online banking account or cannot reach your debit card or checks, visiting a PNC branch is the fastest way to get your account number. Bring a photo ID — a driver's license, passport, or state ID card will work. A teller can confirm your account number in minutes.

If you do not have a branch nearby, call 1-800-PNC-BANK and ask to speak with a representative. They can verify your identity over the phone and provide your account number. Have your Social Security number and date of birth ready.

Frequently Asked Questions

Is my account number the same as my card number?

No. Your card number is the 16-digit number on the front of your debit card. Your account number is a separate 10-digit number, also on the card but in a different location. The card number is tied to the physical card; the account number is tied to your actual bank account and stays the same even if you get a new card.

Can someone use my account number to steal money?

Your account number alone cannot be used to withdraw money or make purchases. However, combined with your routing number, it can be used to set up unauthorized transfers or automatic payments. Only share your account number with organizations you recognize and trust, such as your employer or a company you are paying intentionally.

What is the difference between my account number and routing number?

Your routing number identifies PNC Bank itself — it is the same for all PNC customers in your region. Your account number identifies your specific account within the bank. Both are needed together for direct deposit, wire transfers, and setting up automatic payments.

Will my account number change if I move or change my account type?

Your account number stays the same for the life of the account, regardless of where you live or whether you change your account features. If you close the account and open a new one, you will receive a new account number.