How to Close a PNC Bank Account Effortlessly

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How to Close a PNC Bank Account Effortlessly

Pittsburgh National Bank — the largest branch of the Pittsburgh National Corporation (PNC) has been a Pennsylvania institution since the 1850s. And it's growing. Most recently, in June 2021, BBVA USA banks became PNC. If you're unhappy about the change or want to for any reason, the DoNotPay App can help!

DoNotPay is the world's first AI Consumer Champion. You can use it for all kinds of paperwork.

You can close any bank account with DoNotPay, including:

This article explores how to using DoNotPay. PNC will not charge you any extra fees for closing an account this way, and it works for all sorts of accounts. You can close a business account, personal account or joint account with DoNotPay. We'll even explain how to close a PNC account for a deceased family member.

How to Close a PNC Bank Account Using DoNotPay

If you want to Quickly/Easily Close a PNC Bank Account but don't know where to start, DoNotPay has you covered. Create your own cancellation letter in 6 easy steps:

  1. Go to the Close Bank Accounts product on DoNotPay.

  1. Select which bank the account was opened under, and enter the account type, account number, and your local branch location.

  1. Indicate who this account belongs to. If the owner or co-owner has passed away, upload a death certificate or other formal evidence. If you are not the original account owner, upload evidence of your relationship to the owner.

  1. Tell us why you need to close this account.

  1. Enter your contact information, including email, phone number, and the address you want any remaining funds to be sent to.

  1. Submit your task! DoNotPay will mail the request letter on your behalf. You should hear back from the bank with confirmation or a request for more information within a few weeks.

It only takes a few minutes to close a PNC account with the DoNotPay App successfully. Of course, you can always try to handle it yourself. It takes much longer. And if you're not an attorney, there's a chance you might miss an important detail on the paperwork. But let's check it out.

How to Close a PNC Bank Account by Yourself

Essentially, there are two ways to close a PNC account by yourself. You can visit PNC in person or send them a correctly written cancellation letter. Let's explore those two options.

How to Cancel a PNC Bank Account in Person

This method only works if you live near a PNC branch.

  1. Use PNC bank's branch locator tool to find the closest branch office.
  2. Contact the branch to verify the hours because banking hours have been funky since COVID-19.
  3. Pack up your paperwork (ID, bank account number, certified copy of a death certificate)
  4. Head to the bank
  5. Stand in line
  6. Talk to a teller — who will probably then send you to a manager — to cancel your PNC bank accounts

You see, it's not terribly hard to cancel a PNC bank account by yourself if you live near one. You need to take a few hours out of your day to get it done. The DoNotPay App is a much faster option! You can cancel a PNC bank account in minutes, with no need to visit a branch. That's why it's the preferred way to cancel a bank account if you don't live near that particular bank.

You can also write a letter to cancel a PNC checking or savings account.

Write a Cancellation Letter to PNC (Or Any Bank)

You can write a letter to any bank to cancel an account. Type it or write it in ink.

Be sure to:

  • Include the bank's name, account numbers, and the branch with which you usually do business
  • Include your name, address, phone numbers and email
  • Date and sign the letter
  • Include a reason why you're canceling the account
  • If someone has passed away and you're closing their account, include the certified copy of the death certificate.

Closing a PNC Account if Someone Passed Away

Remember, your letter must include a certified copy of a death certificate. An informational copy of a death certificate or a "xeroxed" "copy of a copy" will not work for this. The official document is numbered and includes a raised/embossed seal.

By the way, DoNotPay can help you acquire death certificates if you need them, too.

Other Information About Closing PNC Bank Accounts

Some people wonder if their credit will be affected by closing a bank account. Generally, no. If your PNC bank account is in good standing, it will not affect your credit score. If you owe money to the bank, overdraft the account, or write a bad check, your credit might be affected.

People also worry that their credit will be affected if PNC closes the account for them. If the bank closed the account because you had a negative balance, you owe PNC bank some money, and it will affect your credit if you don't pay them back.

Before you formally close your account, there are a few things to cross off your list if you've decided to break up with PNC.

Open your new accountFirst and foremost, you must decide where you wish to establish your new account. Concentrate on the things that are most important to you. For some, it's the no-fee policy or the incredible mobile capabilities that allow them to bank on the move. After you've made your selection, follow the steps to create a new account.
Transfer your moneyThe next step is to transfer all of your funds from your old account to your new one. Make sure you discuss withdrawal/transfer limitations with your bank. If you empty your account but don't close it, you can be charged a balance limit fee.
Change any automatic paymentsMake sure you transfer any automated transactions to your new account. Consider your power bill, credit cards, auto payments, and so forth. It's a good idea to double-check your most recent billing statement to be sure you've covered everything.
Switch your direct depositChange your direct deposit to your new account if you have one set up. This normally entails giving your employer a voided check or a permission paperwork from your new account. This will ensure that your paycheck is sent to the correct location.
Confirm everything has clearedCheck to see whether your account has any pending transactions. This indicates that your deposits have cleared and that any money you've spent has been deducted from your account.

You'll be able to close the account once you've completed these procedures. Keep track of everything, including receipts, billing statements, and so on. This will allow you to double-check that you switched your account correctly.

What Else Can DoNotPay Do for You?

In addition to closing bank accounts and finding death certificates, the DoNotPay App can help you with all kinds of paperwork. Use it to get pet licenses in your city, cancel timeshares and stop getting junk mail, too. Try it today!

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