Banking and Finance

How to Waive your PNC Overdraft Fee?

July 27, 2021

About overdraft fee

PNC Bank, commonly known as Personal Banking, is an online bank that involves PNC checking, credit card and auto loan services for users to bank easily from home. What if you spent more money than what you have in your debit card? In some cases, the bank will still pay for bill. However, the bank will charge you an overdraft fee.

Every bank charge different overdraft fee. This graph shows the overdraft fees of some top banks in the US (2020):

overdraft fee

PNC Bank Overdraft Fees and Policies 

There are two situations that PNC Bank will authorize and pay overdrafts.

1. Checks and other transactions made using your checking account number.

2. Automatic bill payments.

However, PNC Bank may reject to pay overdrafts based on specific situation. There are two situations that the bank will not authorize and pay overdrafts unless you ask them to.

1. ATM transactions. The standard PNC checking account has an ATM withdraw limit of $500.

2. Everyday debit card transactions.

PNC Overdraft Fee: $36 each item

PNC Bank will charge you a fee of $36 each time they pay an overdraft. The daily maximum charges are 4 times per day. Thus, you won’t be charged over $144 overdraft fee per day. If you didn’t notice there was an overdraft shown in your account over 5 days, the bank would start to charge $7 fee for per day and the maximum charge is $98.

Check the details of PNC Bank overdraft service here.

How to Get Your PNC Bank Overdraft Fee Waived?

If you find out that you have been charged an overdraft fee, don’t worry. There may be a chance to waive the overdraft fee and get refund. Here are some useful ways to get you overdraft fee waived:

Call the bank customer service:

PNC Bank ( understands that everyone will make a mistake. If this is your first time charged an overdraft fee, just call the PNC Bank customer service phone number 1 (888) 762-2265 and ask about waiving the overdraft fee.

If it is not the first time, you will need to negotiate with customer service. Here are some tips telling you how to negotiate with customer service.

An example of the phone conversation as follows:

  • Customer: Hi, there is an overdraft fee charged in my bank account and I would like to have it waived.
  • Bank: I see the fee. Unfortunately, we are not able to waive the fee because xxx
  • Customer: I am sorry that I didn’t pay attention to my balance in my account before. I have been a good customer for xx years and the overdraft is a rare occurrence. Could you please help me to waive it? I will be happy to stay with PNC Bank.
  • Bank: OK. Let me check. One sec please.

What Should Do If a Call Doesn’t Work?

Just try to call the customer service first, if it doesn’t work, try other ways:

1. Walk in bank and talk to the banker;

2. Make an appointment with bankers in your local branch here:

3.     PNC Does not provide direct customer service email addresses, but you can:

Contact PNC Bank Customer Experience Director/EVP

Michelle Neidhardt

Customer Experience Director/EVP

300 Fifth Ave. the Tower at PNC Plaza, PIttsburg, PA 15222-2401


5.     Contact the Chief Customer Officer

Karen L. Larrimer

Executive Vice President, Head of Retail Banking & Chief Customer Officer

300 Fifth Ave. the Tower at PNC Plaza

PIttsburg, PA 15222-2401

6.     Contact the Chief Executive

Michelle Neidhardt

Customer Experience Director/EVP

300 Fifth Ave. the Tower at PNC Plaza

PIttsburg, PA 15222-2401


How to Avoid an Overdraft Fee from PNC Bank?

Most people don’t want to deal with bank about the overdraft fee at all. It is time consuming and might make you exhausted. The easiest way is to track your money occasionally to make sure you won’t spend more than what your account has. Moreover, you can take actions to prevent overdraft fee. 

1.     Set up PNC Alerts

With PNC Alerts, if your balance in checking account falls below a certain minimum that you selected, you will get a notification. To register for text or email PNC Alerts, visit Online Bank and enroll through Online Banking Service.

2.     Set up Overdraft Protection

Overdraft Protection means that you can link another PNC account to your PNC checking account. When your checking account doesn’t have enough fund, the linked account will automatically transfer the money to your checking account. There are four accounts you can link to:

-       A secondary PNC checking account

-       A PNC savings account or money market deposit account

-       Any PNC credit card

-       A PNC personal line of credit

3.     Buy Overdraft Coverage

Overdraft Coverage covers ATM and everyday (one-time) debit card transactions. If overdraft happens to your account, you can choose Overdraft Coverage for each PNC checking account that you have. If you want to add or cancel the Overdraft Coverage, just let the bank know.

Here is the link that contains more details.

Try Debit Cards Without an Overdraft Fee

Are there debit cards that do not have any overdraft fee? 

Fortunately, yes. With Cheese Debit Card, you will never worry about getting charged by the bank if you spent more than your savings.

Not only are you able to get a Cheese Debit Card without a SSN, but it’s also designed with lots of perks to help you save your hard-earned cash.

From our $5 signup bonus and the chance to earn up to 10% cash back at your favorite stores to our commitment to offering fee-free banking to everybody regardless of their immigration status, we’re dedicated to serving you. 

❌ No Monthly Fee                                     🧀️ No SSN Required    

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❌ No Overdraft Fee                                  🧀️ $5 Signup Bonus

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❌ No Minimum Balance Requirement      🧀️ Early Paycheck

To enjoy NO annual fees, minimum balance, or ATM fees on top of your daily savings, get your Cheese Debit Card now. Download the Cheese Mobile Banking App for iOS or Android to get started. Cheese debit card comes with up to 10% Cash Back, up to 3% Deposit Bonus. You can also purchase up to 40% discounted gift cards in the Cheese app!

About PNC Bank

PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. PNC is ranked 9th on the list of largest banks in the United States by assets. It is the 5th largest bank by number of branches, 6th largest by deposits, and 4th largest in number of ATMs.

Here is a quick snapshot about PNC Bank:

Headquarters: 300, Fifth Avenue The Tower at PNC Plaza Pittsburgh, PA 15222, United States.

Revenue: US$16.329 billion (2017)

Founded: 1845


Customer Service: 1 (888) 762-2265

Resource: Wikipedia