Your PNC routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit
Every bank in the United States has its own routing number. When someone sends you money — whether through direct deposit, a wire transfer, or an ACH payment — their bank uses your routing number to find PNC and deposit the funds into your account. Think of it like a postal code for your bank: it directs the payment to the right place.
PNC has multiple routing numbers because the bank operates across different regions. The routing number you need depends on which state your account is in and what type of transaction you're making. Using the wrong routing number can delay a payment by several days or send it to the wrong place entirely, so it's worth taking a moment to find the correct one.
Key Takeaways
- PNC's routing number varies by state and account type, so you cannot use the same number for every situation.
- The fastest way to find your routing number is to check the bottom left corner of your checks, where it appears as the first nine-digit number.
- You can also call PNC customer service at 1-800-762-2035 or log into your online account to find the routing number for your specific branch.
- When you give your routing number to someone, always confirm you have the correct one for your state and the type of transfer being made.
Where to find your routing number on a check
If you have a checkbook, the easiest place to find your routing number is printed on the bottom left of any check. You'll see three groups of numbers: the routing number comes first (nine digits), followed by your account number, then the check number on the right.
The routing number is always in the same position on every check from your account. If you don't have checks or they're packed away, you don't need to order new ones just to find this number — there are faster ways.
Finding your routing number online or by phone
Log into your PNC online banking account and go to the account details or settings section. Most banks display the routing number alongside your account number in the account information area. If you can't locate it there, the help section of the website usually has a search function where you can type "routing number" and get directed to the right page.
You can also call PNC customer service at 1-800-762-2035. Have your account number ready, and a representative will give you the correct routing number for your specific branch and account type. This call takes about five minutes and removes any doubt about which number to use.
PNC routing numbers by state
PNC operates in multiple states, and each state has different routing numbers. Some of the most common ones are listed below, but this list is not exhaustive — PNC may have additional routing numbers depending on when and where your account was opened.
| State | Routing Number |
|---|---|
| Pennsylvania | 031000053 |
| New Jersey | 021200025 |
| Ohio | 044000037 |
| Indiana | 074900675 |
| Kentucky | 065000090 |
| Florida | 267084131 |
| Illinois | 071101307 |
If your state is not listed, or if you're unsure which routing number applies to your account, contact PNC directly. The routing number on your checks is always the correct one for your account, so when in doubt, use that number.
When you need your routing number
You'll need your routing number whenever you set up a direct deposit, such as for a paycheck or government benefit. Your employer or the agency sending the payment will ask for both your routing number and your account number.
You also need it when you arrange an ACH transfer — a bank-to-bank transfer that typically takes one to three business days. Wire transfers sometimes require a routing number as well, though some banks ask for a different code called a SWIFT code for international wires.
If you're receiving money from someone else, you give them your routing number and account number so their bank can send the funds to you. You never need to give out your PIN or password along with this information.
What to do if you give out the wrong routing number
If you accidentally provide an incorrect routing number, the payment usually bounces back to the sender within one to three business days. The sender's bank will reject it because the routing number doesn't match any valid account information.
The money returns to the sender's account, and they can try again with the correct routing number. This delay is inconvenient but not dangerous — your account information is not at risk, and no money is lost. Once the correct routing number is used, the transfer goes through normally.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies your bank and branch; your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number appears first (nine digits), then your account number (usually 10 to 12 digits).
Can I use the same routing number for wire transfers and direct deposits?
Usually yes, but not always. Most PNC accounts use the same routing number for both. However, some older accounts or special account types may have different routing numbers for different transaction types. When in doubt, ask PNC which routing number to provide for the specific type of transfer you're making.
What if I moved to a different state — do I need a new routing number?
Not necessarily. Your routing number is tied to the branch where you opened your account, not where you currently live. If you moved but kept the same account, use the original routing number. If you opened a new account at a PNC branch in your new state, that account will have its own routing number.
Is it safe to share my routing number?
Yes. Your routing number is public information — it appears on every check you write and is published by the Federal Reserve. Sharing it does not put your account at risk. However, never share your PIN, password, or full account number with anyone you don't trust completely.
Why does PNC have multiple routing numbers?
PNC acquired banks in different states over time, and each acquisition kept its own routing number. This is common among large regional banks. The routing number you use depends on where your account is held, not on PNC's main headquarters.