Is PNC Bank Open On Columbus Day: PNC’s Operation Schedule

You might be wondering, “ Is PNC bank open on Columbus Day? Maybe you want to deposit a check that falls on the same day or want to make a large withdrawal. 

PNC Bank is a Pittsburgh-based financial institution and is one of the largest banks in the United States. 

However, as with most banks, PNC does not open on certain days spread throughout the year. The bank also has certain hours of operation. 

This article will look at these dates in more detail, so you’re better prepared before heading to the bank.

Is PNC Bank Open On Columbus Day?

No, PNC Bank closes on Columbus Day. Columbus Day is a federal holiday and, therefore, a bank holiday. The majority of American bank holidays coincide with federal holidays observed in the United States.

However, ATMs and online and mobile banking systems are available. If you have any questions or concerns, don’t hesitate to visit the PNC website for more information.

What Is Columbus Day?

Columbus Day is a United States federal holiday that commemorates the landing of Christopher Columbus in the Americas in 1492. Americans observe the day on the second Monday of October.

Many people view it as a celebration of Italian-American heritage, while others see it as a celebration of American history. 

However, most states do not recognize Columbus Day as a state holiday. Some call it a “Day of Recognition” or “Day of Observance.”

Most states that observe Columbus Day will shut down governmental services, while others will continue to function normally. 

President Joe Biden declared October 11th, 2021, to be Indigenous Peoples’ Day by the Federal Government on October 8th, 2021.

What Is PNC Bank?

PNC Financial Services Group, Inc. is an American financial services corporation that has been operational for the last 170 years. 

PNC Bank is the company’s banking business, providing services in more than 2,600 branches in several states and Washington, DC.

PNC Inc has its headquarters in Pittsburgh, Pennsylvania, US, and serves clients worldwide. As of 2021, the company has 59,426 employees in its 2,629 branches. 

With assets of approximately $ 557 billion (2021), PNC is the 7th largest bank by total assets in the US. 

What Services Does PNC Bank Offer?

PNC Bank offers a variety of banking and financial services to its customers. In addition to traditional banking services, PNC also offers online and mobile banking, wealth management, and investment services. 

  • In-person banking allows customers to speak with a banker to get help with their accounts or ask questions.
  • Online and mobile banking allows customers to access their accounts from anywhere.

Other services include:

  • Checking and savings accounts (short-term savings and long-term savings)
  • Loans servicing (it’s among the largest small business administration lenders 
  • Asset-based lending (It lends to private equity firms and middle-market enterprises)
  • Credit cards (it’s one of the largest credit card issuers)
  • Asset management
  • Wealth management
  • Estate planning
  • Information processing

What Are The Hours Of Operation For PNC Bank?

The PNC Bank hours of operation are as follows:

  • Monday-Thursday: 9:00am-5:00pm(some close at 4.00pm)
  • Friday: 9:00am-5.00pm(or 6:00pm)
  • Saturday: 9:00am-12:00pm(Some are closed, some 10.00am-2.00pm)
  • Sunday: Closed

PNC Bank Hours For Holidays

The PNC bank holiday schedule for the year 2022 is as follows:

Closed Holidays:

  • Christmas Day (December Sunday 25th, observed on Monday, December 26th
  • Thanksgiving Day (Thursday, November 24th)
  • Veterans Day (Friday, November 11th)
  • Columbus Day (Monday, October 10th)
  • Labor Day (Monday, September 5th)
  • Independence Day (Monday, July 4th)
  • Juneteenth (Sunday, June 19th; observed Monday, 20th )
  • Memorial Day (Monday, May 30th)
  • Presidents’ Day (Monday, February 21st)
  • Martin Luther King Jr. Day (Monday, January 17th)
  • New Year’s Day (Saturday, January 1st)

Working Holidays:

  • PNC opens on Christmas Eve (Saturday, December 24th) from 11 a.m. to 2 p.m.

Where Is PNC Bank Located?

The PNC Bank Locator is a free, easy-to-use tool that helps you find PNC Bank branches and ATMs near you. 

You can get branch and ATM information with the locater, including hours of operation and services offered. You can also view interactive maps and driving directions.

The locater is available on the PNC Bank website and is a free app for Android and iOS devices. 

Simply enter your ZIP code or city and state to use the locater. You can also search by browsing the listed states.

The locater will then list the nearest PNC locations and their hours and services offered. Customers can also search for specific services, such as night depositories and drive-thru ATMs.

The following states have PNC Bank branches:

  1. New York
  2. Tennessee
  3. Michigan
  4. Virginia
  5. New Mexico
  6. District of Columbia
  7. Wisconsin
  8. Texas
  9. West Virginia
  10. Pennsylvania
  11. Ohio
  12. North & South Carolina
  13. Missouri
  14. Colorado
  15. Minnesota
  16. Illinois
  17. Massachusetts
  18. Kansas
  19. Delaware
  20. New Jersey
  21. Arizona
  22. Kentucky
  23. Maryland
  24. Indiana
  25. Georgia
  26. California
  27. Florida
  28. Alabama

What Are The Rates For PNC Bank Products?

PNC bank offers a variety of products and services to its customers. Personal Banking services include checking and savings accounts, certificates of deposit (CDs), mortgages, and home equity lines of credit (HELOCs).

PNC also offers a variety of products for businesses, including business checking and savings accounts, lines of credit, and loans.

The rates for each product vary, so it is important to compare what is available before deciding. You can find the rates for PNC Bank products on the bank’s website. 

How To Contact PNC Bank

If you need to contact PNC Bank customer service, there are several ways. You can call the bank’s toll-free customer service number and chat online with a customer service representative.  

The automated online chat service is available 24 hours, 7 days a week. Customer service representatives are available during specific hours. On weekdays, 7 a.m.- 10 p.m. ET, and 8 a.m. – 5 p.m. ET on weekends.

To call PNC Bank customer service, dial (1-800-762-2265). The following is the list of numbers to call:

  • 1-888-762-2265 ( general account information)
  • 412-803-7711 (international)
  • 1-800-531-1648 (deaf and callers with hearing problems)
  • 1-800-558-8472 (personal credit cards)
  • 1-800-822-5626 (mortgages)
  • 1-800-762-1001 (student lending)

Alternatively, you can visit a branch in person. To visit a PNC Bank branch, use the bank’s branch locator to find the nearest location. Branches are open Monday through Friday from 9:00 a.m. to 4:00/5.00 pm. 

Overdraft Charges

It’s no secret that PNC Bank has some of the highest overdraft fees in the country. However, what may surprise some is that PNC also offers a Low Cash Mode program that counteracts it.

PNC Bank will charge you a $36 overdraft fee if you overdraw your account by even a small amount. In some cases, they can charge you overdraft 4 times a day! 

If you are a customer of PNC Bank, it is important to be aware of these fees. You should also monitor your account balance closely to avoid overdrafts. You may also consider enrolling in PNC Bank’s overdraft Low Cash Mode protection program.

If you attach a backup account to your PNC account, you won’t be charged for overdraft transfers. 

The program will automatically transfer funds from your savings account to your checking account if you overdraw your account. 

Further, the daily maximum overdraft charge is reduced to one charge. Low Cash Mode allows customers 24 hours to pay off the balance to $0, thus avoiding pesky overdraft fees. 

You may use Intelligent Alerts, Payment Control, and Extra Time in Low Cash Mode to help you avoid overdraft fees.

Virtual Wallet Spend

The Spend account in PNC Bank’s Virtual Wallet is a great way to keep your money organized. 

The Spend account is a checking account with free mobile banking and online bill pay. You can use it to pay for groceries, gas, and restaurant meals.

You can also set up alerts to notify you when you’ve reached a certain threshold in a category. 

For instance, when you’ve reached your budget for the month for dining out. This way, you can avoid going over budget and keep your spending under control.

To open an account, you must deposit at least $25.00. Although if you open a Spend account online, the minimum deposit is $0 to get started.

The monthly service charge is $15.00. However, you can avoid the monthly charges if you match any of the following criteria:

  • There’s a monthly average balance of $2,000 in your Spend and Reserve accounts
  • You have deposited $2,000 in qualifying monthly direct payments to your Spend account during the statement period. However, for WorkPlace or Military Banking clients, it’s only $1,000.


So, is PNC bank open on Columbus Day? As you’ve learned,  PNC Bank is not open on Columbus Day because Columbus Day is a federal holiday. Federal holidays are days when most government offices are closed. 

If you need to conduct transactions on Columbus Day, you may want to consider online or mobile banking.

John Taylor
John Taylor
John Taylor is a seasoned writer with more than 10 years of experience as a professional. He has written professionally for many different organizations, such as The Atlantic and the Boston Globe. John can write on any topic you need him to cover, from business writing to creative nonfiction pieces. His portfolio speaks for his skills; he's not only an experienced writer but also an excellent editor and researcher!


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