Your checking account number is a 10-digit code unique to your account, printed on the bottom left of your checks and visible in PNC Online Banking
Your checking account number is the identifier PNC uses to route deposits and withdrawals to your specific account. It appears in several places, and the easiest one depends on what you have access to right now.
If you have a checkbook, look at the bottom left of any check. You will see three groups of numbers separated by colons. The middle group is your account number — it is always 10 digits for PNC.
If you do not have checks handy, log into PNC Online Banking or the PNC Mobile App. Your account number appears on the account summary page, usually labeled "Account Number" or "Checking Account." You can also call PNC customer service at 1-800-622-4PNC (1-800-622-4762) and provide your Social Security number and date of birth to confirm it over the phone.
Key Takeaways
- Your PNC checking account number is a 10-digit code printed on the bottom left of your checks, between two other number groups.
- You can find your account number by logging into PNC Online Banking or the PNC Mobile App without needing a check.
- PNC customer service can confirm your account number over the phone if you verify your identity with your Social Security number and date of birth.
- You will need your account number to set up direct deposit, arrange wire transfers, or provide banking details to employers or creditors.
Finding it on a check
The bottom of a PNC check shows three separate number sequences. Read from left to right: the first is your bank's routing number, the second is your account number, and the third is the check number itself. Your account number is always 10 digits.
If your checks are old or you are unsure which number is which, the account number is the longest of the three groups on the bottom line. It sits in the middle position.
Finding it in PNC Online Banking
Log into PNC Online Banking using your username and password. Once you are signed in, you will see your account summary on the main dashboard. Your checking account number is displayed next to your account name, usually in a section labeled "Accounts" or "Account Details."
If you use the PNC Mobile App instead, tap the account you want to view, then look for "Account Details" or an information icon. Your account number will be shown there. You can usually copy it to your clipboard by tapping the number itself.
Finding it through PNC customer service
Call PNC customer service at 1-800-622-4PNC (1-800-622-4762). A representative will ask you to verify your identity by providing your Social Security number, date of birth, and possibly the last four digits of the phone number on file. Once verified, they will read your account number to you.
This method works if you have lost your checks and do not have online banking set up yet. Customer service is available during business hours, and wait times vary depending on call volume.
What you need your account number for
Your checking account number is required for several common banking tasks. If your employer offers direct deposit, you will need to provide your account number and PNC's routing number (which is 043000096 for most PNC accounts). You will also need it to set up automatic bill payments, arrange wire transfers, or provide banking details to creditors or government agencies.
When you share your account number, you are generally safe doing so — the account number alone cannot be used to withdraw money without additional verification. However, do not share it with anyone you do not trust, and never provide it in response to an unsolicited email or phone call claiming to be from your bank.
The difference between your account number and routing number
Your routing number identifies which PNC branch or processing center handles your account. Your account number identifies your specific account within PNC's system. You need both pieces of information to set up direct deposit or wire transfers.
For most PNC accounts, the routing number is 043000096. However, some PNC accounts use different routing numbers depending on the state or account type. If you are setting up direct deposit or a wire transfer, ask your employer or the receiving bank which routing number to use, or check your most recent bank statement — both numbers are printed there.
If you cannot find your account number
Check your most recent bank statement. Your account number is printed at the top of the statement, usually near your name and address. Statements are mailed monthly or available in PNC Online Banking under "Statements" or "Documents."
If you have not received a statement yet because your account is brand new, the fastest option is to log into PNC Online Banking or call customer service. You do not need a check or statement to find this information.
Frequently Asked Questions
Is my account number the same as my debit card number?
No. Your debit card number is a 16-digit number printed on the front of your card. Your checking account number is a 10-digit code used for banking transfers and deposits. They are separate identifiers for the same account.
Can someone withdraw money from my account if they only have my account number?
Not without additional information. Your account number alone is not enough to withdraw money. A person would also need your routing number, your name, and usually your signature or online banking password. Still, do not share your account number with strangers or in response to unsolicited requests.
What if I see multiple account numbers in PNC Online Banking?
You may have more than one account with PNC — for example, a checking account and a savings account. Each one has its own 10-digit account number. Make sure you are using the number for the correct account when you set up direct deposit or provide banking details.
Do I need my account number to use my debit card?
No. Your debit card works with just the card number, expiration date, and CVV code. You only need your account number when you are setting up direct deposit, arranging transfers between banks, or providing banking details in writing.