PNC Bank

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PNC Bank

Basic information
Founded	1983
Legal Structure	Public
Industry	Banking
Also known as
Official website	https://www.pnc.com/en/personal-banking.html

PNC Bank is a banking subsidiary of PNC Financial Services and the product of a merger of two Pennsylvania-based banks in 1983, Pittsburgh National Corporation and Provident National Corporation. This bank operates in twenty-seven states of the U.S.A. and is one of the largest banks in the country. PNC Bank in continuation to its precursor corporations has been in business for around 160 years.

Consumer impact summary

Forced arbitration: With the signing of a new DSA after 26 Oct 2025, users of PNC Online Banking services will be forced to relinquish their rights to a "Jury Trial" in the event of a party (users or PNC) disputing with another. This clause effectively relinquishes a user's rights to a trial in a court bound by law and instead bestows that authority onto a third-party organization, which is not necessarily bound by the same laws and might be biased towards the benefit of PNC Bank.

• "May Require" in the 2025 DSA seems to warrant that any party's request for Arbitration will override the other's desire for "Jury Trial", and as such will be treated in this writing as to say Arbitration 'will be required' as a worst case scenario between a dispute between a user and PNC — this "worst case scenario" statement is based on the disparity in benefit a company like PNC would receive from such arbitration over a user's benefit.

Incidents

Forced arbitration (2025)

PNC Online Banking Service Maintenance Email (Screen Capture) Sent Oct 17, 25 and Oct 22, 25 Pt1

PNC Online Banking is set to require the signing of a forced arbitration clause in their newly named Digital Services Agreement after their coming "Banking Upgrade" set to take place Friday, Oct 24, 10:00 pm ET through to (at the latest) Sunday, Oct 26 (of year 2025) in order to use their online services. Whether or not access to funds will be disabled before signing is unknown.

From the 2025 DSA:

"YOUR ATTENTION IS DRAWN TO ANY ARBITRATION PROVISIONS IN YOUR ACCOUNT AGREEMENT(S. YOUR

USE OF THE DIGITAL SERVICES IS SUBJECT TO ANY DISPUTE RESOLUTION PROVISIONS GOVERNING YOUR

ELIGIBLE ACCOUNTS. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED

THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL."

PNC Online Banking Service Maintenance Email (Screen Capture and Censor) Sent Oct 17, 25 and Oct 22, 25 Pt2

(See Reference For PDF)

Prior agreements with PNC bank for use of their online banking software (PNC Virtual Wallet) (latest found agreement was August 2025) also included an Arbitration Clause (Arbitration Provision) along with a "YOUR RIGHT TO OPT OUT; EFFECT OF ARBITRATION" clause, allowing users to opt out of this provision upon mailing to PNC a letter as described on page 17 in PNC August 2025 Virtual Wallet Fine Print within 45 days of either notice of the arbitration clause or opening of the account, whichever is later (see reference below).

Although the Digital Services Agreement (DSA) states on its first page that it is "Effective July 25, 2025", it seems PNC Bank will require a signature from its users to legitimize its new policy. This new agreement, contrary to the agreement found in the PNC August 2025 Virtual Wallet Fine Print does not appear to include an OPT OUT provision.

References

https://consumerrights.wiki/images/b/b5/PNC_Bank_2025_digital_services_agreement.pdf (Archived)

https://consumerrights.wiki/images/c/c8/PNC_Bank_2023_olb_service_agreement.pdf (Archived)

https://consumerrights.wiki/images/1/15/PNC_Bank_Aug_2025_Virtual_Wallet_Fine_Print.pdf (Archived)

https://www.pnc.com/en/personal-banking.html (Archived)