PNC's routing number depends on which state your account is in
PNC Bank does not have a single routing number for the entire company. Instead, routing numbers are assigned by state or region, because PNC operates through different legal entities in different parts of the country. The routing number you need is the one tied to the state where your account was opened, not where you live now or where you're sending money.
If you use the wrong routing number, your transfer may be delayed, rejected, or sent to the wrong account. The bank will not automatically correct it. That's why it's important to find the exact number for your account before you initiate a wire transfer, set up direct deposit, or arrange an ACH payment.
Key Takeaways
- PNC routing numbers vary by state, so you must match the number to the state where your account is held, not your current location.
- Your account statement, online banking portal, and the PNC website all display your routing number within seconds.
- Wire transfers and ACH payments use the same routing number, but the consequences of using the wrong one differ slightly.
- If you send money to the wrong routing number, contact PNC immediately; recovery depends on whether the receiving bank has already processed the transfer.
Where to find your routing number on your account statement
The fastest way to locate your routing number is to look at a check from your PNC checking account. The routing number appears at the bottom left of the check, printed as a nine-digit code before your account number. This number is specific to your account's state and branch type.
If you don't have a check handy, look at any recent bank statement from PNC. Most statements print the routing number near the account summary section or in the account details area. The exact location varies depending on whether you receive paper or electronic statements, but it will be labeled as "routing number" or "ABA number" (ABA stands for American Bankers Association, the organization that assigns routing numbers).
How to find it through PNC online banking
Log into your PNC online banking account and navigate to your account details or account information section. The exact path depends on which PNC platform you use, but it's typically found under "Account Services," "My Accounts," or "Account Settings." Once you're there, your routing number will be displayed alongside your account number.
If you can't locate it in your account details, call PNC customer service at 1-888-762-2265. Have your account number ready. A representative can confirm your routing number in under a minute and can also tell you whether you need a different routing number for a specific type of transaction.
PNC routing numbers by state
| State | Routing Number |
|---|---|
| Pennsylvania | 031000503 |
| New Jersey | 021200025 |
| Ohio | 044000024 |
| Indiana | 074900675 |
| Kentucky | 083000137 |
| Michigan | 072000326 |
| Illinois | 071101307 |
| Florida | 267084131 |
| North Carolina | 053000219 |
| Virginia | 051000017 |
| Delaware | 031000503 |
| Connecticut | 021200025 |
This table covers the states where PNC has the largest presence. If your account is in a state not listed here, contact PNC directly or check your account statement, because PNC may operate under a different routing number in that region or may have acquired a bank with its own routing number.
The routing numbers in this table are current as of the time of writing, but PNC occasionally updates them when it acquires other banks or restructures its operations. Always verify the routing number on your account statement or through online banking before sending money, rather than relying solely on this table.
What happens if you use the wrong routing number
If you use an incorrect routing number for a wire transfer, the sending bank will route your money to the wrong financial institution. That institution may reject the transfer and send it back to you, which takes three to five business days. In some cases, the receiving bank accepts the transfer but deposits it into the wrong account, and recovery becomes much harder.
For ACH transfers (like direct deposit or bill payments), using the wrong routing number usually causes the transaction to fail before any money moves. The receiving bank's system will not recognize the combination of routing number and account number, and the transfer will bounce back with an error code. This is slower than a wire rejection—it can take five to ten business days—but it's also safer because your money doesn't end up in an unknown account.
If money has already been sent to the wrong routing number, call PNC immediately and provide the transaction details. PNC can attempt to recall the transfer, but success depends on whether the receiving bank has already processed and released the funds. The sooner you report it, the better your chances.
Routing numbers for wire transfers versus ACH payments
PNC uses the same routing number for both wire transfers and ACH payments. You do not need to look up a separate number for each transaction type. However, the consequences of an error differ: a wire transfer moves money immediately and is harder to reverse, while an ACH transfer is slower but more likely to fail safely if the routing number is wrong.
Some businesses or government agencies may ask you which type of transfer you're setting up. If they do, tell them ACH unless they specifically request a wire. ACH is cheaper for PNC and for you, and it's the standard method for payroll, bill payments, and most peer transfers.
International transfers and PNC's SWIFT code
If you're receiving money from outside the United States, you will need PNC's SWIFT code instead of a routing number. SWIFT codes are used for international wire transfers and are different from routing numbers. PNC's SWIFT code is PNCCUS33, and it's the same regardless of which state your account is in.
For international transfers, you'll typically need to provide both the SWIFT code and your full account number. Some banks also ask for an IBAN (International Bank Account Number), but PNC accounts in the United States do not have IBANs. If a sender asks for an IBAN, tell them you have a U.S. account and provide your account number instead.
Frequently Asked Questions
Can I use any PNC routing number, or does it have to match my state?
You must use the routing number for the state where your account is held. Using a routing number from a different state will cause the transfer to fail or be sent to the wrong location. Check your account statement or online banking to confirm which state your account is registered in.
What if I moved to a different state after opening my PNC account?
Your routing number does not change when you move. It remains tied to the state where you originally opened the account. You continue using the same routing number for all transactions, even if you now live elsewhere.
Is the routing number the same for savings and checking accounts?
Yes. Both your PNC checking and savings accounts use the same routing number. The routing number identifies the bank and the state; the account number identifies which specific account you're using.
What's the difference between a routing number and an account number?
The routing number identifies PNC Bank and the state where your account is held. Your account number identifies your specific account within PNC. Both are required for transfers. The routing number appears first on a check, followed by your account number.
Can I find PNC's routing number on their website?
PNC's website lists routing numbers by state, but it's faster to check your account statement or online banking. If you use the website, make sure you select the correct state for your account, because selecting the wrong state will give you an incorrect number.