The Easiest Way to Waive PNC Bank Overdraft Fees

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How to Get PNC Bank Overdraft Fees Refunded Easily

We've all been there. There has been a time in our lives we have experienced an overdraft fee. Using debit cards may have added to the problem by using your card without keeping appropriate records of each expenditure made.

Finding a bank that doesn't charge an overdraft fee is difficult. PNC normally covers overdrafts for a check, a payment using your account number, and automatic bill pays. In exchange, for any debit that brings your account more than $5 overdrawn. Can you dispute the fee? Absolutely! DoNotPay has the best solution when it comes to fighting and waiving overdraft fees.

What Are Overdraft Fees?

An overdraft happens when you write a check or pay a bill online, in a higher amount than your current account balance. Your bank is taking a chance by paying the bill and hoping you will return your balance to the plus side. While there are banks that don't charge an overdraft fee, it is general policy to charge the fee. There are, however, banks that will waive a first-time overdraft charge.

Overdrafts don't affect your credit score. The only way it affects you is by adding to your already negative balance. The fees are expensive and can affect your credit rating if not paid in a timely fashion, can affect your credit rating.

Overdraft fee examples include

PNC Bank$36
Bank of America$35
Chase Bank$34
Citi Bank$34
Citizens Bank$37
US Bank$36
Wells Fargo$35

PNC's Overdraft Policies

PNC looks at any potential overdraft on a case-by-case basis. The $36 fee is the same whether the bank covers your overdraft or declines the payment while charging a returned item fee. In addition, there is a maximum of four overdraft or returned item fees per day, equaling $144. The bank will also decline ATM and one-time debit card transactions if your balance is too low without any fee charged.

PNC Bank does offer overdraft coverage. You can sign up for the service by phone, 1-877-588-3605, or visit on the web.

You can also choose to receive overdraft protection through a variety of other PNC options including

  • Another PNC checking account
  • A PNC Bank savings or money market account
  • A personal line of credit through PNC Bank
  • A PNC credit card

PNC's virtual wallet is equipped with a Low Cash Mode allowing you the choice of going through with a transaction that could bring your balance in the negative. This also allows you at least 24 hours to bring your account to at least zero or above before being charged an overdraft fee.

Does PNC Ever Refund Overdraft Fees?

It may, under certain circumstances. As mentioned, you should not receive an overdraft fee if your overdraft is less than $5. If it happens, you can get it reversed.

In addition, if you do experience an overdraft but are able to bring your account current or within the limit of less than $5 within 24 hours, you can ask to get the overdraft reversed.

Other overdraft refunds would be at the discretion of your branch manager. You may be able to negotiate an overdraft fee that was charged over the weekend when banks are closed, although the bank could argue ATMs are available 24/7.

How to Ask for a PNC Bank Overdraft Fee Refund Yourself

There are a few ways to ask for special requests or file a complaint. You should politely present your case and ask for a solution.

  1. By Phone - Call the bank's customer service department at 1-888-762-2265 and follow prompts by pushing various keypad options until you reach the right department or can talk with a real person. Note the customer service phone number is operational 24/7, but to reach a service agent daily, you must call between 7 A.M. – 10 P.M., Monday through Friday, or 8 a.m. – 5 p.m., Saturday or Sunday.
  2. Over the Internet - PNC Bank has a customer service option on its website. Visit and browse through all of the Frequently Asked Questions to see if you can find an answer.
  3. Twitter - PNC has a Customer Support Twitter Account
  4. Visit Your Local Branch - Probably the most direct way, and the most effective would be to go to your branch during regular bank hours. Realize that the individual you need to see may not be available at the time you choose to visit. But maybe you can make an appointment to see them.

Have DoNotPay Request PNC Bank to Refund Your Overdraft Fees

This is the easiest and least frustrating way to handle your request for a . Login to the DoNotPay app and follow these four easy steps:

  1. Open the DoNotPay Fight Bank Fees product.

  2. Enter the name of your bank.

  3. Verify the last 4 digits of your bank account.

  4. Choose which fees you want to waive, including overdraft, ATM, and transaction fees.

That's it. You can get on with taking care of something else while DoNotPay handles your refund request and gets you an answer quickly and efficiently.

DoNotPay Addresses Other Bank Fees With Any Bank

Using the same simple steps, you can request an overdraft refund with any bank across the country. And that's not all. You can also ask to waive your monthly service charge fees, wire transfer fees, or international debit fees. Here are some other examples:

DoNotPay Offers More Than Banking Solutions

Fighting bank fees is just one small portion of what DoNotPay can do for you. The app can also:

And there is a lot more. We suggest you have a look around DoNotPay and see all the problems it can help you solve simply through the touch of a button.

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