PNC Bank has branches and ATMs across 21 states, concentrated in the Northeast and Midwest
PNC operates physical branches and ATMs in the Northeast, Mid-Atlantic, Midwest, and Southeast. The bank's largest presence is in Pennsylvania, New Jersey, Ohio, Kentucky, and Indiana, where you will find the most branch locations. If you live outside these core states, PNC still serves parts of Florida, Illinois, Michigan, New York, Virginia, and a dozen others, but with fewer physical locations.
The exact number of branches and ATMs changes as PNC closes, opens, and relocates locations. Rather than relying on a fixed count, your best approach is to search PNC's branch locator tool on their website or call their customer service line to confirm whether a branch or ATM exists near your address.
Key Takeaways
- PNC has the most branches in Pennsylvania, New Jersey, Ohio, Kentucky, and Indiana, with smaller networks in 16 other states.
- The PNC branch locator on their website shows current locations, hours, and services available at each branch.
- PNC ATMs are available at many of their branches, and PNC customers can also use ATMs in the Allpoint network without fees.
- If no PNC branch is near you, you can open an account and bank entirely online, or use their customer service phone line for most transactions.
How to find a PNC branch or ATM near you
Go to pnc.com and use the "Find a Branch or ATM" tool. Enter your address, city, or ZIP code, and the tool will show you the nearest locations, their hours, and what services each one offers. Some branches offer full services (new accounts, loans, safe deposit boxes), while others are smaller and handle basic transactions only.
You can filter results to show only branches, only ATMs, or both. The tool also shows whether a location is open on the day and time you plan to visit. If you do not have internet access, call PNC customer service at 1-888-762-2265 and they can tell you the nearest branch or ATM.
PNC's ATM network and surcharge-free withdrawals
PNC operates its own ATM network at most branches and many standalone locations. PNC customers can withdraw money at any PNC ATM without paying a surcharge. If you use an ATM that is not owned by PNC, you may be charged a fee by both PNC and the ATM operator, typically $2 to $3 per transaction.
PNC is part of the Allpoint network, which means PNC customers can use over 55,000 Allpoint ATMs worldwide without paying PNC's surcharge. You will still see a fee from the ATM operator if they charge one, but PNC will not add its own fee. Check the Allpoint locator on pnc.com to find participating ATMs near you.
Banking without a physical branch
If you live in a state where PNC has no branches, or if no branch is convenient to you, you can open a PNC account online and conduct most banking through their website or mobile app. You can deposit checks by photographing them with your phone, transfer money between accounts, pay bills, and contact customer service by phone or chat.
Some services still require a physical branch or a notary — for example, opening a safe deposit box, obtaining a cashier's check, or handling complex loan applications. If you need these services and have no nearby branch, PNC customer service can sometimes arrange alternatives or direct you to a partner location.
States where PNC operates
| Core presence (most branches) | Secondary presence (fewer branches) |
|---|---|
| Pennsylvania, New Jersey, Ohio, Kentucky, Indiana | Florida, Illinois, Michigan, New York, Virginia, Connecticut, Delaware, Maryland, Massachusetts, Missouri, North Carolina, South Carolina, West Virginia, Wisconsin, and Washington DC |
PNC does not have branches in Alaska, Hawaii, Montana, North Dakota, South Dakota, Vermont, Wyoming, or most of the Mountain West and Great Plains. If you are in one of these states, you can still open an online account with PNC, but you will not have access to a physical branch for in-person services.
What to bring when you visit a PNC branch
For most transactions, bring a valid government-issued photo ID. If you are opening a new account, bring your ID, Social Security number, and proof of your current address (a utility bill, lease, or bank statement dated within the last 60 days). If you are depositing a check, bring the check and your account number or debit card.
For more complex services — such as explore for a loan, setting up a safe deposit box, or handling a dispute — the branch may ask for additional documents. Call ahead to confirm what you need to bring, because requirements vary by service and by branch.
Frequently Asked Questions
Can I open a PNC account if there is no branch near me?
Yes. You can open most PNC accounts online through their website or mobile app without visiting a branch. You will need a valid ID, Social Security number, and an initial deposit. Some account types require a phone call to verify your identity, but you do not need to visit a physical location.
Do I have to pay a fee to use a PNC ATM?
No. PNC customers do not pay a surcharge when they withdraw money at a PNC ATM. If you use a non-PNC ATM, both PNC and the ATM operator may charge you a fee. Using an Allpoint ATM avoids PNC's surcharge but may still incur a fee from the ATM operator.
What if I need to deposit cash and have no nearby branch?
You can deposit checks by mobile app, but cash deposits typically require a physical branch or ATM. Some PNC ATMs accept cash deposits. If neither is available near you, contact PNC customer service to discuss alternatives, which may include mailing a check or using a partner location.
Is PNC available in my state?
PNC operates in 21 states plus Washington DC. The strongest presence is in the Northeast and Midwest. Use the branch locator on pnc.com or call 1-888-762-2265 to confirm whether PNC serves your area. If PNC has no branches in your state, you can still open an online account.