PNC Routing Number by State (ACH, Wire Transfers and Direct Deposit)

Last reviewed: May 2026

Quick answer: PNC routing numbers vary by state for ACH transfers, direct deposit, and checks. For domestic wire transfers, PNC uses 043000096. For international wires, PNC uses SWIFT code PNCCUS33. Your exact routing number is shown inside the PNC Mobile app, PNC Online Banking, and on the bottom-left corner of any PNC paper check.

OnlineBankingHelp.com is an independent educational resource and is not affiliated with PNC Bank. Always verify your routing number directly inside your PNC account before sending money or setting up direct deposit.

Routing Number Data Source

Routing numbers on this page are compiled from publicly available ACH network records, check-formatting standards, and PNC account tools where available. PNC does not appear to publish one single official state-by-state routing table, so independent verification inside your PNC account is recommended before every use.

If your state lists more than one routing number, confirm the number inside the PNC Mobile app, PNC Online Banking, or on your paper check before submitting payment details.

PNC Routing Numbers by State

Use the list below to find the PNC routing number commonly associated with the state where your account was originally opened.

• Alabama: 043000096
• Delaware: 031100089
• District of Columbia: 054000030
• Florida: 267084199
• Georgia: 053100850 or 061192630
• Illinois: 071921891
• Indiana: 043000096
• Kentucky: 083000108
• Maryland: 054000030
• Michigan: 041000124
• Missouri: 071921891
• New Jersey: 031207607
• North Carolina: 043000096
• Ohio: 042000398 or 041000124
• Pennsylvania: 043000096
• South Carolina: 053100850
• Virginia: 054000030
• West Virginia: 271971560
• Wisconsin: 071921891

Some states list more than one routing number because PNC absorbed legacy regional banks during past acquisitions. If your state shows two options, verify which routing number applies to your specific account before using it.

Which PNC Routing Number Should You Use?

Transaction Type	Routing Information to Use
Direct deposit	Your state ACH routing number
ACH transfer	Your state ACH routing number
Paper check	The routing number printed on your check
Domestic wire transfer	043000096
International wire transfer	SWIFT code PNCCUS33

Your routing number is usually based on where your account was originally opened. Moving to another state does not automatically change the routing number tied to your existing PNC account.

What Routing Numbers Actually Do

Routing numbers identify the financial institution responsible for processing a transaction. They help ACH networks, check-processing systems, direct-deposit systems, and wire-transfer networks route payments to the correct bank and regional processing system.

When you submit a direct deposit, ACH transfer, bill payment, or paper check, the routing number tells the banking system which financial institution should receive and process the transaction.

This is why using the wrong routing number can cause a transfer to fail, return to the sender, or remain pending longer than expected.

Why ACH and Wire Transfers Use Different Routing Information

ACH transfers and wire transfers move through different payment networks. ACH payments move through automated batch-processing systems, while wire transfers move through banking networks designed for faster, higher-value transfers.

Because these systems process payments differently, PNC uses state-based routing numbers for ACH transfers and direct deposit, but uses 043000096 for domestic incoming wire transfers.

ACH transfers usually move in scheduled processing batches instead of instantly. This is why direct deposits, external transfers, and bill payments may appear pending overnight, over weekends, or during holidays before final settlement completes.

For more detail, see how ACH transfers work, how long bank transfers take, and ACH vs wire transfers explained.

PNC Routing Number for Wire Transfers

Wire transfers require different routing instructions than standard ACH transfers, direct deposits, and paper checks.

• Domestic incoming wire routing number: 043000096
• International SWIFT code: PNCCUS33

Do not use your state ACH routing number for a domestic wire unless PNC specifically instructs you to do so. Using the wrong routing information can delay or reject the wire.

For international wires, SWIFT codes are used for global bank-to-bank identification and work differently than domestic routing numbers. International wires may also require your account number, recipient information, and sometimes intermediary-bank details depending on the sending bank.

How To Find Your PNC Routing Number

The safest way to confirm your routing number is to check directly inside your PNC account before using it.

1. PNC paper check: look at the bottom-left corner before your account number
2. PNC Mobile app: sign in, select your account, then choose Account and Routing Numbers
3. PNC Online Banking: sign in, select your account, and view account/routing details
4. PNC customer service: call 1-888-762-2265 and ask a representative to confirm your routing number

What Happens If You Use the Wrong PNC Routing Number?

Using an incorrect routing number is one of the most common causes of failed deposits, rejected transfers, and delayed payments.

ACH Transfers and Direct Deposit

If you use the wrong state routing number or enter a routing number with a digit error, the transfer may be rejected and returned to the sender. ACH returns commonly take 1 to 3 business days, which can delay paychecks, tax refunds, bill payments, or external transfers.

Wire Transfers

If you use a state ACH routing number instead of PNC’s domestic wire routing number, the wire may be rejected or misrouted. Wire-transfer errors can take longer to resolve than ACH errors because they may require manual bank review or a recall request.

Paper Checks

If the routing number printed on a check does not match the account being used, the check may be returned unpaid. This can happen if you use checks from an old or closed account.

Most common mistake: using PNC’s domestic wire routing number, 043000096, for an ACH transfer or direct-deposit setup when your account requires a different state routing number.

Why PNC Routing Numbers Vary by State

PNC routing numbers vary because banks often assign routing numbers by region, legacy institution, or state where the account was opened.

PNC expanded over time through regional banking acquisitions, including institutions such as National City and Riggs Bank. As a result, PNC inherited multiple regional routing numbers that continue to be used for certain accounts and processing systems.

This is why two PNC customers can sometimes have different routing numbers even if they currently live in the same state. The number depends on the original account-opening location and the regional system tied to that account.

In most cases, your PNC routing number does not change just because you move to another state.

Common PNC Routing Number Mistakes

• Using a wire routing number for direct deposit
• Using a state ACH routing number for a domestic wire
• Choosing a routing number based on current location instead of account-opening state
• Assuming your routing number changed after moving
• Confusing the routing number with the account number
• Using an outdated number from an unreliable source
• Failing to verify the number inside the actual PNC account

If a transfer is already pending because of routing-number confusion, see the PNC transfer pending guide and bank processing times explained.

Other Bank Routing Numbers

• Chase routing numbers by state
• Navy Federal routing number
• Routing numbers directory

Related PNC Guides

• PNC transfer pending
• PNC deposit limits
• PNC app not working
• PNC login guide
• PNC password reset
• PNC online banking help

Frequently Asked Questions

What is the PNC routing number for direct deposit?

PNC routing numbers for direct deposit vary by the state where your account was originally opened. Pennsylvania and several other states commonly use 043000096. Florida uses 267084199. Illinois uses 071921891. Ohio uses 042000398. New Jersey uses 031207607. Always confirm your exact number inside the PNC Mobile app or Online Banking before setting up direct deposit.

Does PNC use the same routing number for all states?

No. PNC routing numbers vary by state and, in some cases, by the legacy regional bank connected to your account. Your routing number is tied to where your account was originally opened, not your current location.

What routing number does PNC use for domestic wire transfers?

PNC uses 043000096 for domestic incoming wire transfers. This is different from many state routing numbers used for ACH transfers, direct deposit, and paper checks.

What is the PNC SWIFT code for international wire transfers?

PNC uses SWIFT code PNCCUS33 for international wire transfers. SWIFT codes are used for global bank-to-bank transfers and work differently than domestic ACH routing numbers.

How do I find my PNC routing number?

You can find your PNC routing number on the bottom-left corner of a paper check, inside the PNC Mobile app under account and routing details, or in PNC Online Banking. If you cannot access your account, call PNC customer service at 1-888-762-2265.

Can I use the same PNC routing number for ACH and wire transfers?

No. PNC uses 043000096 for domestic incoming wire transfers, while ACH transfers, direct deposit, and checks generally use state-specific routing numbers. Using the wrong routing number type can cause delays or rejected transactions.

Does my PNC routing number change if I move?

No. Your PNC routing number is usually tied to the state where your account was originally opened and does not change just because you move to another state.

What happens if I use the wrong PNC routing number?

Using the wrong routing number can cause direct deposits, ACH transfers, bill payments, or wires to be rejected, delayed, or returned. ACH returns often take 1 to 3 business days, while wire-transfer errors may require manual bank review.

Bottom Line

PNC routing numbers vary by state for ACH transfers, direct deposit, and checks. The domestic wire routing number is 043000096, and the international SWIFT code is PNCCUS33.

Your routing number is usually based on where your account was originally opened and does not change when you move. Always verify the routing number tied to your specific account inside the PNC Mobile app, in Online Banking, or on a paper check before sending money or setting up direct deposit.