The certification process physically marks the check indicating it is now a certified check and earmarks the funds for that check. Bank deposit products and services provided by PNC Bank, National Association. In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related surcharge fees, and any related reimbursements must be repaid. Many branches only allow account holders access to this service, though some locations will allow non-account holders to purchase a cashier’s check . Why Your Company Needs to Accept Mobile Payments, Getting Started with our Online & Mobile Banking, Outsourced Chief Investment Officer Services, Read a summary of privacy rights for California residents, No monthly service charge for the first 6 years, Reimbursement of the fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend, Reserve or Growth accounts per statement period, $5.00 reimbursement of other banks’ ATM surcharge fee per statement period. Also, for PNC account holders, some branches may not ask for IDs, but there are those, which cannot complete your check cashing transactions minus your IDs, irrespective of your customer status at PNC. No charge for Signature Advantage, Advantage or Exclusive checking accounts. ( * % 4 7 , & - . ' The check is considered certified because the bank and customer are certifying there are funds available in the account and the check is authentic. This can help ease your mind when exchanging goods or services in a large transaction. All financial products, shopping products and services are presented without warranty. A certified check is a personal check guaranteed by the check writer’s bank. By using your zip code, we can make sure the information you see is accurate. As your family's needs grow and change, so will your grocery list. Cashier’s checks: Free for holders of certain accounts, including Performance Checking, Performance Select Checking and Foundation Checking. Fee is waived for military customers. 3 % 4 5 ( + 6 & 2 7 / . ) If multiple accounts are opened with the same signers, only one account will be eligible for the premium. PNC Bank: Free for all customers as long as account has certain balance. Else, $10 per check. PNC does not charge a fee for the SmartAccess Mobile App. We’ll show you how you can save the most money by ordering PNC checks. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The bank then draws the funds from its own account when the cashier’s check is deposited. Still, like any other form of payment, cashier’s checks and certified checks are vulnerable to fraud, and it’s your responsibility to make sure the check you receive is legitimate and not counterfeit. There are numerous banks and credit unions that don’t use ChexSystems. You will be responsible for paying the overdraft balance. User IDs potentially containing sensitive information will not be saved. A certified check can reduce risks for everyone in such a transaction. By using your zip code, we can make sure the information you see is accurate. In today's world, you need more than just a checking account. If you transfer this account to a different product or account type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to transfer back to the Virtual Wallet Student account. However, third party message and data rates may apply. A PNC cashiers check can be purchased at any branch during normal business hours by entering the lobby and talking to a teller. Be part of our inclusive culture that strives for excellence and rewards talent. Whether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving and protection, Virtual Wallet works as a powerful solution for today's banking needs. To get the most of this PNC experience, Check with your bank before you need the money. * 8 * ( & 9 - . $10 fee per check for all other accounts. PNC product and feature availability varies by location. How can I find my account and routing number? Makes your financial life simpler! Checking, money market and credit card. How do I dispute a transaction I do not recognize? Member FDIC. ( * % & ( * / 0 1 ( . ) Many banks and credit unions offer certified checks and cashier's checks, though not all offer both, and some differ on terminology, calling them "official checks." The reason you’re probably here is because you want to know, “does PNC Bank use ChexSystems?” Unfortunately, the answer is, yes, they do. As a PNC customer, you can access your money fee-free at nearly 18,000 ATMs across the country, as listed on our ATM locator, Digital tools to plan and track your spending and automate your savings, Students AND parents can enroll to receive account alerts when balances are low, Load funds to your card and use everywhere Visa debit cards are accepted. A certified check is a personal check that the bank will confirm has the proper amount of funds in the account to cover the check and has a genuine signature. A certified check is a safe payment option available at banks and credit unions. You will only be considered for one reward amount, which is based on the product type you open. Not all banks will verify a check over the phone, but many do -- and it is sure worth a try. SunTrust Bank: $8 for customers and $15 for non-customers: TD Bank: $8, but fee is waived if customer has Select or Signature Advantage checking account. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Most banks won’t release those funds for any other reason. A certified check is a personal check that the bank has certified and it’s drawn on personal funds. Earn up to $400 when you open and use a select new Virtual Wallet✝ product, Summary of Fees & Schedule of Fees Funds are drawn against the bank, not against a personal account, as is the case with a certified check. But as with any situation involving money, be careful to avoid falling victim to counterfeiters. Most banks will let you get one in person, and many banks will let you order one online and send to a recipient of your choice. Our partners compensate us. PNC can help make it easy to manage your money with our financial tools and technology. ✝You may earn a $400 reward if you open a new Virtual Wallet with Performance Select. Accounts are available in all 50 states. Cashier's checks are checks that are drawn against a bank's funds rather than the money in your account. However, as we mentioned, you still have options. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Second Chance Checking Accounts Across the U.S. Second chance checking is an option if you've been rejected for an account due to a bad banking history. Enroll in email and text alert notifications for certain card activity. At the end of the six years, your account will be converted to Virtual Wallet and subject to the Virtual Wallet Features and Fees in effect at that time. However, fraudulent certified bank checks have been a large problem in recent years. And keep in mind that you might have to deposit the funds with the closer the day before closing. Virtual Wallet starts with Spend, which is a checking account, and digital tools to help you manage your money and stay on track. Notify PNC Bank immediately of any unauthorized use. Keep in mind that you can’t verify a cashier’s check online, but other options are available. Terms & Conditions. A certified check is a personal check guaranteed by the check writer’s bank. Do you need to order PNC Bank checks? However, this does not influence our evaluations. Compare PNC Cashier Check’s Fees with Other Banks. U.S. Bank: $7 for cashier's check only. We have tools to help you bank when and where you want. Here is a list of our partners. Find out which checking account is best suited for your lifestyle and banking needs. NerdWallet strives to keep its information accurate and up to date. PNC Bank was founded on January 1, 1804 and has been serving the financial needs of their customers for over 217 years. 8 Best Bank Bonuses and Promotions of January 2021, Overdraft Fees: Compare What Banks Charge, Best High-Yield Online Savings Accounts of January 2021. Learn how long it takes a check to clear at the top banks and when check deposit funds will be available for withdrawal. A cashier’s check is a check backed by the bank. we recommend upgrading your browser. OR, Call us at 1-888-PNC-Bank M- F: 7am - 10pm ET Sat-Sun: 8am to 5pm ET; We Also Recommend. But as with any situation involving money, be careful to avoid falling victim to counterfeiters. Checking account does not download but the other two are good. ( ) * + ) , + ' ) - . You may be asked to provide proof of active enrollment in a qualifying educational institution. Learn More » Digital Payments. Both certified and cashier's checks can be considered "official checks." With cashier’s checks, you make a payment to the bank in the amount of the check. When you open and use a new, qualifying business checking account. Learn More » Digital Banking. Don’t call the number printed on the check, though; it could be phony, too. If you do not have your Online Access PIN call us at 1-888-PNC-BANK (762-2265). Virtual Wallet is a registered trademark of The PNC Financial Services Group, Inc. PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. Visa is a registered trademark of Visa International Service Association and used under license. Below is a list of what we believe are the top 3 options. 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